2342 Symphony Cir, Saint Cloud, FL 34771 Property Records

Osceola County property record for 2342 Symphony Cir, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 5.5 ba · 3,664 sqft · built 2021
Lot Size	0.28 acres (12,196 sqft)
Owner	2 Individual Names on File
Last Sale	$690,028 (Dec 2021)
Tax Bill	$9,823 (2025)
Deeds & Mortgages	Dec 2021 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`17-25-31-4899-0001-0050`

Property Details

APN / Parcel Number

Primary APN	`17-25-31-4899-0001-0050`
Alternative APN	`253117489900010050`

Interior

Bedrooms	4 Beds
Full Baths	5.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,664 sqft Living Area
Gross Area	4,647 sqft
1st Floor Area	3,000 sqft
Flooring	Tile

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Concrete
Lot Area	12,196 sqft (0.28 acres)
Garage Type	Attached
Garage Area	506 sqft
Porch	Finished/Open Porch

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	2342 SYMPHONY CIR
City	SAINT CLOUD
State	FL
Zip	34771-8928
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SERENITY RESERVE PB 25 PGS 122-123 LOT 5
Legal Range	31E
Legal Township	25S
Legal Section	17
Legal Subdivision	SERENITY RESERVE
Legal Block	50
Legal Lot Number	5
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1009
Census Tract	43600

Owner

Source: Osceola County records · APN 17-25-31-4899-0001-0050

Assessment roll updated November 26, 2025 · Last verified April 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	2342 SYMPHONY CIR, SAINT CLOUD, FL 34771-8928
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 20, 2021 · Amount on Record
Deed Sale	Dec 20, 2021 · Amount on Record
Deed Document Number	2021196198
Deed Book / Page	6112 / 173
Last Transfer Date	Mar 26, 2024
Transfer Doc	0065702437
Record Updated	Jun 08, 2026

December 2021: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 20, 2021
Property Address	2342 SYMPHONY CIR, SAINT CLOUD, FL 34771-8928
Document Number	0061120173
Book / Page	6112 / 173
Map Reference	MB 25 PG 122
Instrument Date	Dec 10, 2021
Instrument	2021196198
Transaction Type	Transfer
Record Updated	Jan 10, 2023
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$4,830.70
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2354 SYMPHONY CIR, SAINT CLOUD, FL 34771-8928

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2342 SYMPHONY CIR, SAINT CLOUD, FL 34771-8928

Mortgage

Document Number	0006112174
Date	Dec 20, 2021
Instrument	6112/174

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 01, 2052

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$9,823.00 (+4.01%)	$698,454 (+5.99%)	$711,900 (+8.03%) Land $90,000 Building $621,900
2024	$9,444.00 (+1.95%)
2023	$9,263.00 (+3.72%) Homeowner's exemption	$659,000 (+10.24%) Land $75,000 Building $584,000	$659,000 (+10.24%) Land $75,000 Building $584,000
2022	$8,931.00	$597,800 Land $65,000 Building $532,800	$597,800 Land $65,000 Building $532,800

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), as of September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970436001, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 278 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	278 in force
Nearby Flood Claims	24 (1994–2022)
Claims Outside the SFHA	2 of 24
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Ian, Sep 2022 · 4 claims Hurricane Ian, Sep 2022 · 3 claims Hurricane Irma, Sep 2017 · 6 claims

Wildfire

Wildfire Risk	Moderate above 63% of the US · lower than 60% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, Lumen Technologies.

Based on FCC filings for 314 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System, water system FL3491373, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	ST. CLOUD, CITY OF (3 WPS) serves 82,752 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.