2362 Symphony Cir, Saint Cloud, FL 34771 Property Records

Osceola County property record for 2362 Symphony Cir, Saint Cloud, FL 34771 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 3,309 sqft · built 2019
Lot Size	0.29 acres (12,632 sqft)
Owner	2 Company Names on File
Last Sale	$720,000 (Apr 2022)
Tax Bill	$7,582 (2025)
Deeds & Mortgages	Sep 2025 Transfer Apr 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`17-25-31-4899-0001-0490`

Property Details

APN / Parcel Number

Primary APN	`17-25-31-4899-0001-0490`
Alternative APN	`253117489900010490`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	3,309 sqft Living Area
Gross Area	3,863 sqft
1st Floor Area	3,309 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Concrete
Lot Area	12,632 sqft (0.29 acres)
Garage Type	Attached
Garage Area	506 sqft
Porch	Finished/Open Porch
Porch Area	48 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	2362 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 49
Legal Range	31E
Legal Township	25S
Legal Section	17
Legal Subdivision	SERENITY RESERVE
Legal Block	490
Legal Lot Number	49
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1009
Census Tract	43600

Owner

Source: Osceola County records · APN 17-25-31-4899-0001-0490

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

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

Owner of Record	2 Company Names on File
Mailing Address	2362 SYMPHONY CIR, SAINT CLOUD, FL 34771-8928
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Sep 05, 2025	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Apr 08, 2022	Warranty Deed, Transfer · Conventional Mortgage TOWER FCU
Aug 20, 2019	Grant Deed, Transfer STEWART TITLE

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 08, 2022 · Amount on Record
Deed Sale	Apr 08, 2022 · Amount on Record
Prior Sale	Aug 20, 2019 · Amount on Record
Deed Document Number	202256672
Deed Book / Page	6190 / 2474
Last Transfer Date	Sep 03, 2025
Transfer Doc	0068451653
Record Updated	Sep 20, 2026

September 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Sep 05, 2025
Property Address	2362 SYMPHONY CIR, SAINT CLOUD, FL 34771-8928
Document Number	0068451653
Book / Page	6845 / 1653
Map Reference	MB 25 PG 122&123
Instrument Date	Sep 03, 2025
Instrument	2025110886
Transaction Type	Transfer
Record Updated	Sep 29, 2025
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2362 SYMPHONY CIR, SAINT CLOUD, FL 34771-8928

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2362 SYMPHONY CIR, SAINT CLOUD, FL 34771-8928

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 08, 2022
Property Address	2362 SYMPHONY CIR, SAINT CLOUD, FL 34771-8928
Document Number	0061902474
Book / Page	6190 / 2474
Map Reference	MB 25 PG 122&123
Instrument Date	Apr 07, 2022
Instrument	2022056672
Transaction Type	Transfer
Record Updated	Apr 26, 2022
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATL TTL OF FL INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$5,040.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

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

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2362 SYMPHONY CIR, SAINT CLOUD, FL 34771-8928

Mortgage

Document Number	0061902476
Date	Apr 08, 2022
Instrument	6190/2476

Lender

Name	TOWER FCU
Type	Credit Union

Agreement

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

August 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 20, 2019
Property Address	2362 SYMPHONY CIR, SAINT CLOUD, FL 34771-8928
Document Number	0055761908
Book / Page	005576 / 001908
Instrument Date	Aug 15, 2019
Instrument	108040
Transaction Type	Transfer
Record Updated	Sep 05, 2019
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Tax	$3,902.40
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	17 PHAETONS DR MELVILLE NY 117472019, MELVILLE, NY 11747-2019

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified August 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	$7,582.00 (+4.23%)	$536,718 (+2.9%)	$634,700 (+2.49%) Land $90,000 Building $544,700
2024	$7,274.00 (+1.99%) Homeowner's exemption	$521,592 (+3%)	$619,300 (+22.29%) Land $90,000 Building $529,300
2023	$7,132.00 (+11.25%) Homeowner's exemption	$506,400 (+10.66%) Land $75,000 Building $431,400	$506,400 (+10.66%) Land $75,000 Building $431,400
2022	$6,411.00 Homeowner's exemption	$457,600 Land $65,000 Building $392,600	$457,600 Land $65,000 Building $392,600

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970436001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 278 individual NFIP policies nearby
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, river or lake flooding, Hurricane Ian
Claims By Storm	Hurricane Ian, Sep 2022 · 4 claims Hurricane Ian, Sep 2022 · 3 claims Hurricane Irma, Sep 2017 · 6 claims

Wildfire

Wildfire Risk	Moderate above 57% of the US · above 29% of Florida
Wildfire Likelihood	About 1 in 725 per year
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, availability as of December 31, 2025 · Published October 2026 · based on 314 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20

May also be available at this address: Lumen Technologies, AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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