2484 Promenade Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2484 Promenade Dr, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,464 sqft · built 2016
Lot Size	0.1 acres (4,356 sqft)
Owner	Individual Name on File
Last Sale	$307,000 (Oct 2021)
Tax Bill	$5,402 (2025)
Deeds & Mortgages	Oct 2021 Sale & Mortgage Aug 2018 Loan Modification + 2 more
Flood Zone	Zone X (minimal risk)
APN	`17-26-31-5261-0001-1860`

Property Details

APN / Parcel Number

Primary APN	`17-26-31-5261-0001-1860`
Alternative APN	`263117526100011860`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,464 sqft Living Area
Gross Area	2,254 sqft
1st Floor Area	1,464 sqft
Flooring	Tile
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	4,356 sqft (0.1 acres)
Garage Type	Attached
Garage Area	520 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	270 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	2484 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 186
Legal Range	31E
Legal Township	26S
Legal Section	17
Legal Subdivision	TWIN LAKES PH 1
Legal Phase	1
Legal Tract	5261
Legal Block	1860
Legal Lot Number	186
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1055
Census Tract	43301

Owner

2484 Promenade Dr is owned and occupied by an individual who acquired it in July 2025.

Source: Osceola County records, as of November 26, 2025

Owner of Record	Individual Name on File
Mailing Address	2484 PROMENADE DR, SAINT CLOUD, FL 34772-8858
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Oct 20, 2021	Warranty Deed, Transfer · Conventional Mortgage CALIBER HOME LOANS INC
Aug 27, 2018	Loan Modification, Mortgage · Conventional with PMI FBC MTG
Aug 27, 2018	Loan Modification, Mortgage · Conventional with PMI FBC MTG
Aug 27, 2018	Loan Modification, Mortgage · Conventional with PMI FBC MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 20, 2021 · Amount on File
Deed Sale	Oct 20, 2021 · Amount on File
Prior Sale	Dec 30, 2016 · Amount on File
Deed Document Number	2021163739
Deed Book / Page	6069 / 1900
Last Transfer Date	Jul 24, 2025
Transfer Doc	0068260176
Record Updated	Sep 20, 2026

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 20, 2021
Property Address	2484 PROMENADE DR, SAINT CLOUD, FL 34772-8858
Document Number	0060691900
Book / Page	6069 / 1900
Map Reference	MB 24 PG 172-178
Instrument Date	Oct 14, 2021
Instrument	2021163739
Transaction Type	Transfer
Record Updated	Nov 9, 2021
Title Company	WATSON TITLE SERVICES INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,149.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	302 WILLIAMSBURG RD # 5029, 302, HEPHZIBAH, GA 30815-6586

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2484 PROMENADE DR, SAINT CLOUD, FL 34772-8858

Mortgage

Document Number	60691902
Date	Oct 20, 2021
Instrument	6069/1902

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

August 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OSCEOLA FL
Property Address	2484 PROMENADE DR, SAINT CLOUD, FL 34772-8858
Document Number	0054302907
Instrument Date	Aug 27, 2018
Transaction Type	Mortgage
Record Updated	Nov 27, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2484 PROMENADE DR ST CLOUD FL 347728858, ST CLOUD, FL 34772-8858

Mortgage

Document Number	0054302907
Date	Nov 8, 2018
Book Page	005430/002907
Instrument	166083

Lender

Name	FBC MTG
Type	Mortgage Company
Address	EWING, NJ 08618

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	336 Months
Due	Nov 7, 2046

Interest

Rate Type	Fixed Rate
Rate	5%

August 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OSCEOLA FL
Property Address	2484 PROMENADE DR, SAINT CLOUD, FL 34772-8858
Document Number	0054380832
Instrument Date	Aug 27, 2018
Transaction Type	Mortgage
Record Updated	Dec 14, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2484 PROMENADE DR ST CLOUD FL 347728858, ST CLOUD, FL 34772-8858

Mortgage

Document Number	0054380832
Date	Nov 27, 2018
Book Page	005438/000832
Instrument	172929

Lender

Name	FBC MTG
Type	Mortgage Company
Address	EWING, NJ 08618

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	336 Months
Due	Nov 26, 2046

Interest

Rate Type	Fixed Rate
Rate	5%

August 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OSCEOLA FL
Property Address	2484 PROMENADE DR, SAINT CLOUD, FL 34772-8858
Document Number	0054941695
Instrument Date	Aug 27, 2018
Transaction Type	Mortgage
Record Updated	Mar 29, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2484 PROMENADE DR ST CLOUD FL 347728858, ST CLOUD, FL 34772-8858

Mortgage

Document Number	0054941695
Date	Mar 20, 2019
Book Page	005494/001695
Instrument	35624

Lender

Name	FBC MTG
Type	Mortgage Company
Address	EWING, NJ 08618

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	324 Months
Due	Mar 19, 2046

Interest

Rate Type	Fixed Rate
Rate	5%

Tax Assessment & Valuation

The 2025 property tax bill for 2484 Promenade Dr was $5,402, up 1% from the year before.

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	$5,402.00 (+10.02%)	$274,335	$363,700 Land $65,000 Building $298,700
2024	$4,910.00 (+1.66%)
2023	$4,830.00 (+2.05%) Homeowner's exemption Widower's exemption	$258,839 (+3%)	$307,900 (+22.52%) Land $60,000 Building $247,900
2022	$4,733.00 Homeowner's exemption Widower's exemption	$251,300 Land $55,000 Building $196,300	$251,300 Land $55,000 Building $196,300

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

Flood

FEMA maps place 2484 Promenade Dr in Zone X, an area of minimal flood risk, though there have been 14 flood claims nearby since 1987.

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

Wildfire risk around 2484 Promenade Dr is moderate, ranking above 51% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 51% of the US · lower than 79% 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 286 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	2,000 / 1,000
Spectrum Fiber · Cable in parts of the area	1,000 / 1,000

May also be available: Verizon, Xfinity.

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