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2468 Independence Ln, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2468 Independence Ln, Saint Cloud, FL 34772 · Last verified April 2026

Property Summary

Property TypeMobile Home
Details3 bd · 2 ba · 1,512 sqft · built 2003
Lot Size0.163 acres (7,100 sqft)
OwnerIndividual Name on File
Last Sale$30,000 (Nov 2002)
Tax Bill$376 (2025)
Deeds & MortgagesJan 2021 Mortgage
Mar 2023 Reverse Mortgage
+ 2 more
Flood ZoneZone X (minimal risk)
APN16-26-30-0811-0001-0460

Property Details

APN / Parcel Number

Primary APN16-26-30-0811-0001-0460
Alternative APNs
  • 263016081100010460
  • 85976

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,512 sqft Living Area
Gross Area2,141 sqft
1st Floor Area1,512 sqft
FlooringCarpet
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2003
Effective Year BuiltEffective 2003
Architectural StyleCustom Design
Exterior MaterialAluminum/Vinyl
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area7,100 sqft (0.163 acres)
Garage TypeCarport
Garage Area299 sqft
CarportCarport
Carport Area299 sqft
Parking Spaces1 Parking Space
PorchOpen/Unfinished Porch
Porch Area200 sqft
Deck Area240 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address2468 INDEPENDENCE LN
CitySAINT CLOUD
StateFL
Zip34772-8623
Property CategoryResidential
Property TypeResidential > Prefabricated > Mobile Home
Legal DescriptionTEKA VILLAGE TRACT 2 PHASE 3 PB 10 PG 196 LOT 46
Legal Range30E
Legal Township26S
Legal Section16
Legal SubdivisionTEKA VLG TRACT 2 PH 3
Legal Phase3
Legal Tract2
Legal Block460
Legal Lot Number46
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1027
Census Tract43208

Owner

Source: Osceola County records · APN 16-26-30-0811-0001-0460

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

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

Owner of RecordIndividual Name on File
Mailing Address2468 INDEPENDENCE LN, SAINT CLOUD, FL 34772-8623
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jan 04, 2021Deed of Trust, Mortgage · VA Mortgage
NEWREZ LLC
Mar 06, 2023Deed of Trust, Mortgage · Reverse Mortgage
CHERRY CREEK MORTGAGE CO INC
Feb 09, 2018Deed of Trust, Mortgage · VA Mortgage
SEMPER HM LOANS
May 23, 2017Intrafamily Transfer, Transfer · VA Mortgage
FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleNov 25, 2002 · Amount on Record
Deed SaleNov 25, 2002 · Amount on Record
Deed Book / Page2150 / 2955
Last Transfer DateMay 18, 2017
Transfer Doc0051522708
Record UpdatedJun 08, 2026

January 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address2468 INDEPENDENCE LN, SAINT CLOUD, FL 34772-8623
Transaction TypeMortgage
Record UpdatedDec 12, 2025

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0058630865
DateJan 04, 2021
Book Page5863/865
Instrument2021000067
Lender
NameNEWREZ LLC
TypeNon-Lending Institution
AddressFORT WASHINGTON, PA 19034
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term357 Months
DueOct 01, 2050

March 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address2468 INDEPENDENCE LN, SAINT CLOUD, FL 34772-8623
Transaction TypeMortgage
Record UpdatedDec 12, 2025

Transferred To (Grantee/Buyer)

NameVerified Name
Address2468 INDEPENDENCE LN, SAINT CLOUD, FL 34772-8623

Mortgage

Document Number0063662864
DateMar 06, 2023
Book Page6366/2864
Instrument2023025753
Lender
NameCHERRY CREEK MORTGAGE CO INC
TypeMortgage Company
AddressENGLEWOOD, CO 80111
Agreement
TypeReverse Mortgage
AmountAmount Recorded
Term804 Months
DueMar 29, 2090
Interest
Rate TypeAdjustable Rate
Rate6.87%
AdjustableAdjustable Rate Rider
Type Change DateApr 01, 2023
Change FrequencyMonthly
Index1-Year T-Bill
Max Rate11.8%

February 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address2468 INDEPENDENCE LN, SAINT CLOUD, FL 34772-8623
Document Number0052861727
Instrument DateFeb 09, 2018
Transaction TypeMortgage
Record UpdatedMar 09, 2018

Transferred To (Grantee/Buyer)

NameVerified Name
Address2468 INDEPENDENCE LN ST CLOUD FL 347728623, ST CLOUD, FL 34772-8623

Mortgage

Document Number0052861727
DateFeb 15, 2018
Book Page005286/001727
Instrument26423
Lender
NameSEMPER HM LOANS
TypeFunding / Finance Company
AddressPROVIDENCE, RI 02907
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term360 Months
DueFeb 14, 2048

May 2017: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionOSCEOLA FL
Recording DateMay 23, 2017
Property Address2468 INDEPENDENCE LN, SAINT CLOUD, FL 34772-8623
Document Number0051522708
Book / Page5152 / 2708
Map ReferenceMB10 PG196
Instrument DateMay 18, 2017
Instrument2017075812
Transaction TypeTransfer
Record UpdatedFeb 08, 2022

Transaction

Tax$0.70
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address2468 INDEPENDENCE LN, SAINT CLOUD, FL 34772-8623

Mortgage

Document Number0051522710
DateMay 23, 2017
Instrument5152/2710
Lender
NameFREEDOM MORTGAGE CORP
TypeSubprime Lender
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueJun 01, 2047

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 2026

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola 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.

YearTax BillAssessed ValueAssessed Market Value
2025$376.00 (+3.3%) Homeowner's exemption Senior Citizen's exemption$75,157 (+5.99%)$155,600 (+9.12%) Land $48,000 Building $107,600
2024$364.00 (+1.11%)
2023$360.00 (+2.86%) Homeowner's exemption Senior Citizen's exemption$70,912 (+3%)$142,600 (+38.72%) Land $35,000 Building $107,600
2022$350.00 Homeowner's exemption Senior Citizen's exemption$68,847$102,800 Land $25,000 Building $77,800

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 120970432081, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 29 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies35 units insured
6 under condo master policies

Wildfire

Wildfire RiskHigh
above 73% of the US · above 57% of Florida
Wildfire LikelihoodAbout 1 in 292 per year
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 39 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
SpectrumCable1,000 / 35
VerizonFixed Wireless300 / 20

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

Mobile Coverage

5G and 4G LTE

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