2459 Promenade Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2459 Promenade Dr, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,935 sqft · built 2023
Lot Size	0.239 acres (10,454 sqft)
Owner	Individual Name on Record
Last Sale	$865,000 (Apr 2023)
Tax Bill	$10,487 (2025)
Deeds & Mortgages	Apr 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`172631526100011940`

Property Details

APN / Parcel Number

Primary APN	`172631526100011940`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,935 sqft Heated Area
Gross Area	4,373 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2023
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,454 sqft (0.239 acres)
Garage Type	Finished
Porch	Open Porch
Patio Area	180 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	2459 PROMENADE DR
City	SAINT CLOUD
State	FL
Zip	34772-8859
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TWIN LAKES PH 1 PB 24 PGS 172-178 LOT 194
Legal Range	31E
Legal Township	26S
Legal Section	17
Legal Subdivision	TWIN LAKES
Legal Phase	1
Legal Tract	5261
Legal Lot Number	194
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1056
Census Tract	43301

Owner

Source: Osceola County records, as of December 11, 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 Record
Co-owner	Co-owner on Record
Mailing Address	2459 PROMENADE DR, SAINT CLOUD, FL 34772-8859
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 6, 2023 · Amount on Record
Deed Sale	Apr 6, 2023 · Amount on Record
Deed Document Number	2023039147
Deed Book / Page	6383 / 95
Record Updated	Jun 8, 2026

April 2023: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 6, 2023
Property Address	2459 PROMENADE DR, SAINT CLOUD, FL 34772-8859
Document Number	0063830095
Book / Page	6383 / 95
Map Reference	MB 24 PG 172-178
Instrument Date	Mar 23, 2023
Instrument	2023039147
Transaction Type	Transfer
Record Updated	Jan 22, 2024
Title Company	CLEAR TITLE/FL LLC, CLEAR TITLE OF FLORIDA LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,055.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	283 CRANES ROOST BLVD STE 250, 250, ALTAMONTE SPRINGS, FL 32701-3546

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2459 PROMENADE DR, SAINT CLOUD, FL 34772-8859

Mortgage

Document Number	0000638397
Date	Apr 6, 2023
Instrument	6383/97

Lender

Name	UMORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2053

Tax Assessment & Valuation

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	$10,487.00 (+203.27%) Homeowner's exemption	$512,481 (+583.31%)	$558,100 (+644.13%) Land $85,000 Building $473,100
2023	$3,458.00 (+27.93%)	$75,000 (+15.38%) Land $75,000	$75,000 (+15.38%) Land $75,000
2022	$2,703.00	$65,000 Land $65,000	$65,000 Land $65,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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 Record median of 173 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	173 in force
Nearby Flood Claims	14 (1987–2022)
Claims Outside the SFHA	2 of 14
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Irma, Sep 2017 · 8 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

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

Wildfire Risk	Moderate above 46% of the US · lower than 83% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 97 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	2,000 / 1,000
Spectrum Fiber · Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, Xfinity.

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