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2405 Underwood Ave, Saint Cloud, FL 34771 Property Records

Osceola County property record for 2405 Underwood Ave, Saint Cloud, FL 34771

Property Summary

Property TypeSingle Family Home
Details3 ba · 2,875 sqft · built 1972
Lot Size1.38 acres (60,156 sqft)
OwnerTrust Name on File
Last Sale$140,000 (Dec 2011)
Tax Bill$6,595 (2025)
Deeds & MortgagesNov 2023 Transfer
Nov 2021 Transfer
Flood ZoneZone X (minimal risk)
APN17-25-31-4260-0001-0112

Property Details

APN / Parcel Number

Primary APN17-25-31-4260-0001-0112
Alternative APNs
  • 253117426000010112
  • 91065

Interior

Full Baths3 Baths
Stories1 Story
Building Area2,875 sqft Living Area
1st Floor Area2,875 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1972
Effective Year BuiltEffective 1995
Architectural StyleCustom Design
Exterior MaterialConcrete Block
Construction TypeMasonry / Concrete Block
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area60,156 sqft (1.38 acres)
Lot Dimensions283 ft deep x 186 ft wide
Garage Area500 sqft
Parking Spaces2 Parking Spaces
PorchMetal Porch
Porch Area312 sqft
Patio Area140 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address2405 UNDERWOOD AVE
CitySAINT CLOUD
StateFL
Zip34771-7868
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeOR1C
Legal DescriptionNEW MAP OF NARCOOSSEE PB 1 PG 74 S 186 FT LOTS 11 & 12 LESS E 11 FT LOT 12
Legal Range31E
Legal Township25S
Legal Section17
Legal SubdivisionNARCOOSSEE NEW MAP OF
Legal Tract4260
Legal Block112
Legal Lot Number112
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1018
Census Tract43700

Owner

2405 Underwood Ave is held in a trust since November 2023.

Source: Osceola County records, as of November 26, 2025

Owner of RecordTrust Name on File
Mailing Address18115 N US HIGHWAY 41, 600, LUTZ, FL 33549-6473
Owner TypeCompany
VestingTrust

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

DateDocument
Nov 28, 2023Quit Claim Deed, Transfer
ACCOMODATION, ACCOMMODATION
Nov 8, 2021Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed NamesName on Deed
Last SaleDec 14, 2011 · Amount on File
Deed SaleDec 14, 2011 · Amount on File
Prior SaleMay 27, 2011
Deed Document Number2011172223
Deed Book / Page4208 / 2498
Last Transfer DateNov 3, 2023
Transfer Doc0065102150
Record UpdatedSep 20, 2026

November 2023: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionOSCEOLA FL
Recording DateNov 28, 2023
Property Address2405 UNDERWOOD AVE, SAINT CLOUD, FL 34771-7868
Document Number0065102150
Book / Page6510 / 2150
Map ReferenceMB 1 PG 74
Instrument DateJul 12, 2023
Instrument2023155383
Transaction TypeTransfer
Record UpdatedDec 20, 2023
Title CompanyACCOMODATION, ACCOMMODATION

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address2405 UNDERWOOD AVE, SAINT CLOUD, FL 34771-7868

Transferred To (Grantee/Buyer)

NameVerified Name
Address18115 N US HIGHWAY 41 STE 600, 600, LUTZ, FL 33549-6473

November 2021: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionOSCEOLA FL
Recording DateNov 8, 2021
Property Address2405 UNDERWOOD AVE, SAINT CLOUD, FL 34771-7868
Document Number0060812882
Book / Page6081 / 2882
Map ReferenceMB 1 PG 74
Instrument DateNov 3, 2021
Instrument2021173386
Transaction TypeTransfer
Record UpdatedAug 1, 2022

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address3616 HOLDEN DR, 3616, SAINT CLOUD, FL 34772-8215

Transferred To (Grantee/Buyer)

NameVerified Name
Address2405 UNDERWOOD AVE, SAINT CLOUD, FL 34771-7868

Tax Assessment & Valuation

The 2025 property tax bill for 2405 Underwood Ave was $6,595, up 8.4% from the year before.

Source: Osceola County assessment roll, as of November 26, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$6,595.00 (+8.42%)$465,500 Land $96,400 Building $369,100$465,500 Land $96,400 Building $369,100
2024$6,083.00 (+36.42%)
2023$4,459.00 (+3.96%) Homeowner's exemption$314,974 (+3%)$351,600 (+14.98%) Land $66,700 Building $284,900
2022$4,289.00 Homeowner's exemption$305,800 Land $66,700 Building $239,100$305,800 Land $66,700 Building $239,100

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

Flood

FEMA maps place 2405 Underwood Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone A, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 330 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies330 in force
Nearby Flood Claims18 (2004–2022)
Claims Outside the SFHA1 of 18
Most Recent ClaimOct 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 2405 Underwood Ave is moderate, ranking above 59% 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 RiskModerate
above 59% of the US · lower than 67% of Florida
Wildfire Likelihood0.2% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 SystemTOHO WATER AUTHORITY-POINCIANA SYSTEM
public/private · serves 69,447 people · EPA ID FL3494429
Water SourceGroundwater
Last State InspectionMar 2024
LeadUnder 1 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 108 locations within half a mile, as of December 31, 2025

ProviderMax 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
T-Mobile
Fixed Wireless		100 / 20

May also be available: AT&T, CenturyLink, Hotwire Communications.

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