Osceola County property record for 2478 Independence Ln, Saint Cloud, FL 34772
| Property Type | Mobile Home |
|---|---|
| Details | 2 bd · 2 ba · 1,269 sqft · built 2003 |
| Lot Size | 0.116 acres (5,053 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $104,000 (Jan 2017) |
| Tax Bill | $575 (2025) |
| Deeds & Mortgages | Jan 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 85980 |
| Primary APN | 85980 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,269 sqft Heated Area |
| Gross Area | 2,039 sqft |
| 1st Floor Area | 1,269 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2003 |
|---|---|
| Architectural Style | Mobile/Manufactured |
| Exterior Material | Vinyl |
| Foundation Type | Pier/Post & Beam |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 5,053 sqft (0.116 acres) |
| Lot Dimensions | 90 ft deep x 56 ft wide |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 1 Parking Space |
| Porch | Enclosed Porch |
| Porch Area | 280 sqft |
| Utility Building | 120 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 85980 |
|---|---|
| Street Address | 2478 INDEPENDENCE LN |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-8623 |
| 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 50 |
| 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 | 50 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1027 |
| Census Tract | 43208 |
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 |
|---|---|
| Mailing Address | 2478 INDEPENDENCE LN, SAINT CLOUD, FL 34772-8623 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 13, 2017 · Amount on Record |
| Deed Sale | Jan 13, 2017 · Amount on Record |
| Prior Sale | Sep 23, 2013 · Amount on Record |
| Deed Document Number | 2017008499 |
| Deed Book / Page | 5086 / 0482 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jan 13, 2017 |
| Property Address | 2478 INDEPENDENCE LN, SAINT CLOUD, FL 34772-8623 |
| Document Number | 0050860482 |
| Book / Page | 5086 / 0482 |
| Map Reference | MB10 PG196 |
| Instrument Date | Jan 12, 2017 |
| Instrument | 2017008499 |
| Transaction Type | Transfer |
| Record Updated | Feb 8, 2022 |
| Title Company | STEWART TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $728.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2478 INDEPENDENCE LN, 2478, SAINT CLOUD, FL 34772-8623 |
| Name | Verified Name |
|---|---|
| Address | 2478 INDEPENDENCE LN, SAINT CLOUD, FL 34772-8623 |
| Document Number | 0050860483 |
|---|---|
| Date | Jan 13, 2017 |
| Instrument | 5086/0483 |
| Name | FAIRWINDS CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2047 |
Source: Osceola County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $575.00 (+15%) Homeowner's exemption Senior Citizen's exemption Widower's exemption | $91,664 (+5.99%) | $161,000 (+8.78%) Land $48,000 Building $113,000 |
| 2023 | $500.00 (-6.72%) Homeowner's exemption Senior Citizen's exemption Widower's exemption | $86,487 (+3%) | $148,000 (+39.1%) Land $35,000 Building $113,000 |
| 2022 | $536.00 Homeowner's exemption Senior Citizen's exemption Widower's exemption | $83,968 | $106,400 Land $25,000 Building $81,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 29 individual policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 35 units insured incl. 6 condo units |
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: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| 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 cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 39 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: CenturyLink.
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