Osceola County property record for 2451 2nd St, Saint Cloud, FL 34769 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 1972 |
| Square Footage | 1,356 sqft Heated Area |
| Lot Size | 9,583 sqft (0.219 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $196,000 (2018) |
| Tax Bill | $2,654.00 (2025) |
| Primary APN | 80380 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,356 sqft Heated Area |
| Gross Area | 1,416 sqft Gross Area |
| 1st Floor | 1,356 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Tile Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 1972 |
|---|---|
| Exterior Material | Concrete Block Exterior |
| Foundation Type | Footing Foundation |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 9,583 sqft (0.219 acres) |
| Depth X Width | 150 ft x 62.5 ft Depth x Width |
| Garage Area | 288 sqft Garage |
| Fence | Fence |
|---|---|
| Shed | 1 Shed |
| Shed Area | 120 sqft Shed |
| Porch | Open Porch |
| Porch Area | 348 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Account Number | 80380 |
|---|---|
| Street Address | 2451 2ND ST |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-2115 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LAKE FRONT ADDN PB B PG 61-62 BLK 446 N 62.5 FT LOT 10 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD 2ND AND 3RD STREETS |
| Legal Tract | 1 |
| Legal Block | 446 |
| Legal Lot Number | 10 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 3 |
| Census Block | 3015 |
| Census Tract | 43400 |
Source: Osceola County records · APN 80380
Assessment roll updated July 1, 2025 · Last verified December 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 308 ALABAMA AVE, SAINT CLOUD, FL 34769-2643 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Mar 02, 2021 | Deed of Trust, Mortgage · Conventional Mortgage NATIONS LENDING CORP |
| May 06, 2020 | Deed of Trust, Mortgage · Conventional Mortgage with Private Mortgage Insurance (PMI) NATIONS LNDG |
| May 13, 2019 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage NATIONS LNDG |
| May 18, 2018 | Warranty Deed, Transfer · Conventional Mortgage with Private Mortgage Insurance (PMI) NATIONS LNDG |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | May 18, 2018 · Amount on Record |
| Deed Sale | May 18, 2018 · Amount on Record |
| Prior Sale | Jan 12, 2015 · Amount on Record |
| Deed Doc Number | 0053362057 |
| Deed Book / Page | 5336 / 2057 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 2451 2ND ST, SAINT CLOUD, FL 34769-2115 |
| Transaction Type | Mortgage |
| Record Updated | Mar 26, 2021 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|---|
| Address | 2451 2ND ST, SAINT CLOUD, FL 34769-2115 |
| Document Number | 0059020137 |
|---|---|
| Date | Mar 02, 2021 |
| Book Page | 5902/137 |
| Instrument | 2021030317 |
| Name | NATIONS LENDING CORP |
|---|---|
| Type | Mortgage Company |
| Address | INDEPENDENCE, OH 44131 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 2451 2ND ST, SAINT CLOUD, FL 34769-2115 |
| Document Number | 0057201787 |
| Instrument Date | May 06, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 26, 2020 |
| Title Company | STEWART TITLE |
| Name | Verified Name |
|---|---|
| Address | 2451 2ND ST ST CLOUD FL 347692115, ST CLOUD, FL 34769-2115 |
| Document Number | 0057201787 |
|---|---|
| Date | May 11, 2020 |
| Book Page | 005720/001787 |
| Instrument | 62523 |
| Name | NATIONS LNDG |
|---|---|
| Address | INDEPENDENCE, OH 44131 |
| Type | Conventional Mortgage with Private Mortgage Insurance (PMI) |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 10, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 2451 2ND ST, SAINT CLOUD, FL 34769-2115 |
| Document Number | 0055302234 |
| Instrument Date | May 13, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jun 06, 2019 |
| Title Company | STEWART TITLE |
| Name | Verified Name |
|---|---|
| Address | 2451 2ND ST ST CLOUD FL 347692115, ST CLOUD, FL 34769-2115 |
| Document Number | 0055302234 |
|---|---|
| Date | May 28, 2019 |
| Book Page | 005530/002234 |
| Instrument | 68236 |
| Name | NATIONS LNDG |
|---|---|
| Address | INDEPENDENCE, OH 44131 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 27, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | May 18, 2018 |
| Property Address | 2451 2ND ST, SAINT CLOUD, FL 34769-2115 |
| Document Number | 0053362057 |
| Book / Page | 005336 / 002057 |
| Instrument Date | May 18, 2017 |
| Instrument | 79256 |
| Transaction Type | Transfer |
| Record Updated | Jun 13, 2018 |
| Title Company | NONA TITLE INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,372.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 308 ALABAMA AVE ST CLOUD FL 347692643, ST CLOUD, FL 34769-2643 |
| Document Number | 53362059 |
|---|---|
| Date | May 18, 2018 |
| Book Page | 005336/002059 |
| Instrument | 79257 |
| Name | NATIONS LNDG |
|---|---|
| Address | INDOPENDENCO, OH 44131 |
| Type | Conventional Mortgage with Private Mortgage Insurance (PMI) |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 17, 2048 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
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 | $2,654.00 (+6.89%) Homeowner's exemption | $191,170 (+6.18%) | $293,200 (+13.12%) Land $60,000 Building $233,200 |
| 2023 | $2,483.00 (+3.89%) Homeowner's exemption | $180,039 (+3%) | $259,200 (+13.09%) Land $55,000 Building $204,200 |
| 2022 | $2,390.00 Homeowner's exemption | $174,796 | $229,200 Land $50,000 Building $179,200 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone AE |
|---|---|
| Flood Hazard | High |
| 100-Year Floodplain | Yes 1% annual chance |
| Special Flood Hazard Area | Yes |
| Flood Insurance Requirement | Required (federally backed mortgages) |
| Floodway | No |
| Base Flood Elevation | 61.0 ft |
| Wildfire Risk | Low above 20% of the US · above 7% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 2,632 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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