2460 Promenade Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2460 Promenade Dr, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,863 sqft · built 2016
Lot Size	0.16 acres (6,969 sqft)
Owner	2 Company Names on File
Last Sale	$400,000 (Mar 2026)
Tax Bill	$8,537 (2025)
Deeds & Mortgages	Apr 2026 Sale Mar 2026 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`17-26-31-5261-0001-1740`

Property Details

APN / Parcel Number

Primary APN	`17-26-31-5261-0001-1740`
Alternative APN	`263117526100011740`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,863 sqft Living Area
Gross Area	2,920 sqft
1st Floor Area	1,863 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Architectural Style	Conventional
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,969 sqft (0.16 acres)
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	573 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	2460 PROMENADE DR
City	SAINT CLOUD
State	FL
Zip	34772-8858
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TWIN LAKES PH 1 PB 24 PGS 172-178 LOT 174
Legal Range	31E
Legal Township	26S
Legal Section	17
Legal Subdivision	TWIN LAKES PH 1
Legal Phase	1
Legal Tract	5261
Legal Block	1740
Legal Lot Number	174
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1055
Census Tract	43301

Owner

Source: Osceola County records, as of July 1, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Company Names on File
Mailing Address	2460 PROMENADE DR, SAINT CLOUD, FL 34772-8858
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
Apr 30, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
Mar 17, 2026	Warranty Deed, Transfer · Conventional Mortgage CMG MORTGAGE INC
Jul 8, 2020	Deed of Trust, Mortgage · Conventional Mortgage FBC MORTGAGE LLC
Jan 13, 2017	Grant Deed, Transfer · Conventional with PMI IMORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 17, 2026 · Amount on File
Deed Sale	Mar 17, 2026 · Amount on File
Prior Sale	Jan 13, 2017 · Amount on File
Deed Document Number	202635303
Deed Book / Page	6938 / 2670
Last Transfer Date	Apr 24, 2026
Transfer Doc	0000056887
Record Updated	Sep 20, 2026

April 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 30, 2026
Property Address	2460 PROMENADE DR, SAINT CLOUD, FL 34772-8858
Document Number	0000056887
Book / Page	6963 / 1887
Instrument Date	Apr 24, 2026
Instrument	202656887
Transaction Type	Transfer
Record Updated	Aug 28, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Tax	$70.70
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Tenant
Address	2460 PROMENADE DR, SAINT CLOUD, FL 34772-8858

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 17, 2026
Property Address	2460 PROMENADE DR, SAINT CLOUD, FL 34772-8858
Document Number	0069382670
Book / Page	6938 / 2670
Map Reference	MB 24 PG 172-178
Instrument Date	Mar 13, 2026
Instrument	2026035303
Transaction Type	Transfer
Record Updated	Mar 30, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,800.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2460 PROMENADE DR, SAINT CLOUD, FL 34772-8858

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2460 PROMENADE DR, SAINT CLOUD, FL 34772-8858

Mortgage

Document Number	0069382672
Date	Mar 17, 2026
Instrument	6938/2672

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2056

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2460 PROMENADE DR, SAINT CLOUD, FL 34772-8858
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CLEAR TITLE OF FLORIDA LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0057502032
Date	Jul 8, 2020
Book Page	5750/2032
Instrument	2020087709

Lender

Name	FBC MORTGAGE LLC
Type	Mortgage Company
Address	ORLANDO, FL 32801

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jul 1, 2035

January 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 13, 2017
Property Address	2460 PROMENADE DR, SAINT CLOUD, FL 34772-8858
Document Number	0050852883
Book / Page	005085 / 002883
Instrument Date	Dec 30, 2016
Instrument	8274
Transaction Type	Transfer
Record Updated	Jan 31, 2017
Title Company	CLEAR TITLE/FL LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,001.30
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2460 PROMENADE DR ST CLOUD FL 34772, ST CLOUD, FL 34772

Mortgage

Document Number	50852885,
Date	Jan 13, 2017
Book Page	005085/002885
Instrument	8275

Lender

Name	IMORTGAGE
Type	Mortgage Company
Address	SCOTTSDALE, AZ 85251

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jan 12, 2047

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 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	$8,537.00 (+65.22%)	$389,300 (+49.12%) Land $85,000 Building $304,300	$389,300 (+1.54%) Land $85,000 Building $304,300
2024	$5,167.00 (+1.55%)
2023	$5,088.00 (+3.37%) Homeowner's exemption	$261,061 (+3%)	$383,400 (+25.75%) Land $75,000 Building $308,400
2022	$4,922.00 Homeowner's exemption	$253,458	$304,900 Land $65,000 Building $239,900

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

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 File 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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