Osceola County property record for 2486 Promenade Dr, Saint Cloud, FL 34772
| 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 Record |
| Last Sale | $241,900 (Oct 2016) |
| Tax Bill | $4,441 (2025) |
| Deeds & Mortgages | Mar 2022 Line of Credit Aug 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 172631526100011870 |
| Primary APN | 172631526100011870 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,464 sqft Heated Area |
| Gross Area | 2,254 sqft |
| 1st Floor Area | 1,464 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2016 |
|---|---|
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 4,356 sqft (0.1 acres) |
| Garage Type | Finished |
| Garage Area | 520 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 270 sqft |
| Patio Area | 112 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 2486 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 187 |
| Legal Range | 31E |
| Legal Township | 26S |
| Legal Section | 17 |
| Legal Subdivision | NORTHWEST LKS GRVES & TWIN LKS CARRIAGE |
| Legal Phase | 1 |
| Legal Tract | 5261 |
| Legal Lot Number | 187 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1055 |
| Census Tract | 43301 |
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 |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 2486 PROMENADE DR, SAINT CLOUD, FL 34772-8858 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 10, 2022 | Deed of Trust, Mortgage · Line of Credit TRUIST BANK |
| Aug 13, 2020 | Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 31, 2016 · Amount on Record |
| Deed Sale | Oct 31, 2016 · Amount on Record |
| Deed Document Number | 2016163264 |
| Deed Book / Page | 5048 / 1194 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 2486 PROMENADE DR, SAINT CLOUD, FL 34772-8858 |
| Transaction Type | Mortgage |
| Record Updated | Mar 29, 2022 |
| Name | Verified Name |
|---|---|
| Address | 2486 PROMENADE DR, SAINT CLOUD, FL 34772-8858 |
| Document Number | 0061681419 |
|---|---|
| Date | Mar 10, 2022 |
| Book Page | 6168/1419 |
| Instrument | 2022038706 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | WHITEVILLE, NC 28472 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 299 Months |
| Due | Feb 9, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 2486 PROMENADE DR, SAINT CLOUD, FL 34772-8858 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0057732918 |
|---|---|
| Date | Aug 13, 2020 |
| Book Page | 5773/2918 |
| Instrument | 2020106919 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | STEVENSON RANCH, CA 91381 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2050 |
Source: Osceola County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,441.00 (+7.63%) Homeowner's exemption | $215,636 (+5.99%) | $355,100 (+17.86%) Land $65,000 Building $290,100 |
| 2023 | $4,126.00 (+3.46%) Homeowner's exemption | $203,456 (+3%) | $301,300 (+22.33%) Land $60,000 Building $241,300 |
| 2022 | $3,988.00 Homeowner's exemption | $197,531 | $246,300 Land $55,000 Building $191,300 |
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 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 |
|
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 | 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.
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 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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