2340 Underwood Ave, Saint Cloud, FL 34771 Property Records

Osceola County property record for 2340 Underwood Ave, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	6 bd · 5 ba · 5,296 sqft · built 2017
Lot Size	0.369 acres (16,117 sqft)
Owner	Individual Name on File
Last Sale	$645,900 (Jun 2021)
Tax Bill	$9,007 (2025)
Deeds & Mortgages	Aug 2024 Line of Credit Jun 2021 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`172531537400010290`

Property Details

APN / Parcel Number

Primary APN	`172531537400010290`

Interior

Bedrooms	6 Beds
Full Baths	5 Baths
Stories	2 Stories
Building Area	5,296 sqft Heated Area
Gross Area	6,961 sqft
1st Floor Area	2,822 sqft
Upper Floors Area	2,474 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	16,117 sqft (0.369 acres)
Garage Type	Finished
Garage Area	658 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	521 sqft
Porch	Porch
Porch Area	407 sqft
Deck Area	1,440 sqft
Fence	Fence
Shed	1 Shed
Shed Area	160 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	2340 UNDERWOOD AVE
City	SAINT CLOUD
State	FL
Zip	34771-7705
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	UNDERWOOD ESTATES PB 24 PG 1-4 LOT 29
Legal Range	31E
Legal Township	25S
Legal Section	17
Legal Subdivision	UNDERWOOD ESTATES
Legal Tract	5374
Legal Lot Number	29
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1027
Census Tract	43700

Owner

2340 Underwood Ave is owned and occupied by an individual who bought it in June 2021.

Source: Osceola County records, as of December 11, 2025

Owner of Record	Individual Name on File
Mailing Address	2340 UNDERWOOD AVE, SAINT CLOUD, FL 34771-7705
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 26, 2024	Deed of Trust, Mortgage · Line of Credit US FIRE INSURANCE CO
Jun 14, 2021	Warranty Deed, Transfer FIDELITY NATIONAL TITLE, FIDELITY NATL TTL OF FL INC
May 4, 2017	Grant Deed, Subdivision Related Transfer · FHA Mortgage CALIBER HM LOANS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 14, 2021 · Amount on File
Deed Sale	Jun 14, 2021 · Amount on File
Prior Sale	May 4, 2017 · Amount on File
Deed Document Number	2021092540
Deed Book / Page	5980 / 2379
Record Updated	Jun 8, 2026

August 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2340 UNDERWOOD AVE, SAINT CLOUD, FL 34771-7705
Transaction Type	Mortgage
Record Updated	Dec 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2340 UNDERWOOD AVE, SAINT CLOUD, FL 34771-7705

Mortgage

Document Number	0066551254
Date	Aug 26, 2024
Book Page	6655/1254
Instrument	2024110648

Lender

Name	US FIRE INSURANCE CO
Type	Insurance Company
Address	HOUSTON, TX 77252

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 14, 2021
Property Address	2340 UNDERWOOD AVE, SAINT CLOUD, FL 34771-7705
Document Number	0059802379
Book / Page	5980 / 2379
Map Reference	MB 24 PG 1
Instrument Date	Jun 9, 2021
Instrument	2021092540
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATL TTL OF FL INC

Transaction

Amount	Amount on Record
Tax	$4,521.30
Amount Accuracy	Full Amount Stated
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2340 UNDERWOOD AVE, SAINT CLOUD, FL 34771-7705

May 2017: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 4, 2017
Property Address	2340 UNDERWOOD AVE, SAINT CLOUD, FL 34771-7705
Document Number	0051421238
Book / Page	005142 / 001238
Instrument Date	Apr 28, 2017
Instrument	65829
Transaction Type	Subdivision Related Transfer
Record Updated	Jun 26, 2017
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE/FL INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,322.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2340 UNDERWOOD AVE ST CLOUD FL 347717705, ST CLOUD, FL 34771-7705

Mortgage

Document Number	51421240
Date	May 4, 2017
Book Page	005142/001240
Instrument	65830

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 3, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 2340 Underwood Ave was $9,007.

Source: Osceola County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$9,007.00	$598,700 Land $75,000 Building $523,700	$598,700 Land $75,000 Building $523,700
2023	$8,517.00 (+23.18%)	$585,400 (+29.08%) Land $75,000 Building $510,400	$585,400 (+29.08%) Land $75,000 Building $510,400
2022	$6,914.00	$453,500 Land $65,000 Building $388,500	$453,500 Land $65,000 Building $388,500

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 2340 Underwood Ave in Zone X, an area of minimal flood risk, though there have been 18 flood claims nearby since 2004.

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 330 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	330 in force
Nearby Flood Claims	18 (2004–2022)
Claims Outside the SFHA	1 of 18
Most Recent Claim	Oct 2022 · Hurricane Ian
Claims by Event	Hurricane Ian, Oct 2022 · 2 claims Hurricane Ian, Sep 2022 · 5 claims Hurricane Frances, Sep 2004 · 6 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 2340 Underwood Ave is moderate, ranking above 52% of the US, with a 0.2% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 52% of the US · lower than 77% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ST. CLOUD, CITY OF (3 WPS) serves 82,752 people · EPA ID FL3491373
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	2 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 259 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
CenturyLink DSL · Fiber in parts of the area	140 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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