Osceola County property record for 2469 Independence Ln, Saint Cloud, FL 34772
| Property Type | Mobile Home |
|---|---|
| Details | 3 bd · 2 ba · 1,680 sqft · built 2004 |
| Lot Size | 0.201 acres (8,756 sqft) |
| Owner | Individual Name on File |
| Last Sale | $222,500 (Aug 2022) |
| Tax Bill | $2,561 (2025) |
| Deeds & Mortgages | Aug 2022 Sale & Mortgage Nov 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 85972 |
| Primary APN | 85972 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,680 sqft Heated Area |
| Gross Area | 2,832 sqft |
| 1st Floor Area | 1,152 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2004 |
|---|---|
| Architectural Style | Mobile/Manufactured |
| Exterior Material | Vinyl |
| Foundation Type | Pier/Post & Beam |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 8,756 sqft (0.201 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 2 Parking Spaces |
| Porch | Enclosed Porch |
| Porch Area | 528 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 85972 |
|---|---|
| Street Address | 2469 INDEPENDENCE LN |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-8624 |
| Property Category | Residential |
| Property Type | Residential > Prefabricated > Mobile Home |
| Local Zoning Code | SPUD |
| Legal Description | TEKA VILLAGE TRACT 2 PHASE 3 PB 10 PG 196 LOT 22 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 16 |
| Legal Subdivision | TEKA VILLAGE |
| Legal Phase | 3 |
| Legal Tract | 2 |
| Legal Block | 1 |
| Legal Lot Number | 22 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1026 |
| Census Tract | 43208 |
Source: Osceola County assessment roll, APN 85972, as of 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 |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 2469 INDEPENDENCE LN, SAINT CLOUD, FL 34772-8624 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 23, 2022 | Warranty Deed, Transfer · FHA Mortgage ATLANTIC BAY MORTGAGE GROUP LLC |
| Nov 08, 2018 | Deed of Trust, Mortgage · Conventional Mortgage FAIRWINDS CU |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 23, 2022 · Amount on Record |
| Deed Sale | Aug 23, 2022 · Amount on Record |
| Prior Sale | Sep 16, 2004 · Amount on Record |
| Deed Document Number | 2022128694 |
| Deed Book / Page | 6273 / 851 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Aug 23, 2022 |
| Property Address | 2469 INDEPENDENCE LN, SAINT CLOUD, FL 34772-8624 |
| Document Number | 0062730851 |
| Book / Page | 6273 / 851 |
| Map Reference | MB 10 PG 196 |
| Instrument Date | Aug 12, 2022 |
| Instrument | 2022128694 |
| Transaction Type | Transfer |
| Record Updated | Dec 12, 2025 |
| Title Company | MORTGAGE TITLE SERVICES INC, MORTGAGEE TITLE SERVICES INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,557.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2469 INDEPENDENCE LN, SAINT CLOUD, FL 34772-8624 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 2469 INDEPENDENCE LN, SAINT CLOUD, FL 34772-8624 |
| Document Number | 0006273852 |
|---|---|
| Date | Aug 23, 2022 |
| Instrument | 6273/852 |
| Name | ATLANTIC BAY MORTGAGE GROUP LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 2469 INDEPENDENCE LN, SAINT CLOUD, FL 34772-8624 |
| Document Number | 0054341031 |
| Instrument Date | Nov 08, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Dec 06, 2018 |
| Title Company | MORTGAGE TITLE SERVICES INC, MORTGAGEE TITLE SVCS INC |
| Name | Verified Name |
|---|---|
| Address | 2469 INDEPENDENCE LN ST CLOUD FL 347728624, ST CLOUD, FL 34772-8624 |
| Document Number | 0054341031 |
|---|---|
| Date | Nov 15, 2018 |
| Book Page | 005434/001031 |
| Instrument | 169306 |
| Name | FAIRWINDS CU |
|---|---|
| Address | ORLANDO, FL 32826 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 14, 2048 |
Source: Osceola County assessment roll as of 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, not market price estimates; both are a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,561.00 (+5.3%) Homeowner's exemption | $186,000 (+4.97%) Land $48,000 Building $138,000 | $186,000 (+4.97%) Land $48,000 Building $138,000 |
| 2023 | $2,432.00 (+272.43%) Homeowner's exemption | $177,200 (+124.56%) Land $35,000 Building $142,200 | $177,200 (+39.53%) Land $35,000 Building $142,200 |
| 2022 | $653.00 Homeowner's exemption Widower's exemption | $78,911 | $127,000 Land $25,000 Building $102,000 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), as of September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970432081, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 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 29 individual policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 35 units insured incl. 6 condo units |
| Wildfire Risk | High above 73% of the US · above 57% of Florida |
|---|---|
| Wildfire Likelihood | 0.3% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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.
Source: FCC Broadband Data Collection, 39 locations within half a mile, as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: Lumen Technologies.
Source: EPA Safe Drinking Water Information System, water system FL3491373, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | ST. CLOUD, CITY OF (3 WPS) serves 82,752 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jul 2025 |
| Lead | 2 ppb (2023) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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