2525 Sandridge Ln, Saint Cloud, FL 34771 Property Records

Osceola County property record for 2525 Sandridge Ln, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,660 sqft · built 1989
Lot Size	0.604 acres (26,310 sqft)
Owner	Individual Name on Record
Last Sale	$145,000 (Mar 2017)
Tax Bill	$3,064 (2025)
Deeds & Mortgages	Dec 2022 Mortgage Mar 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`13-26-31-2601-0001-0170`

Property Details

APN / Parcel Number

Primary APN	`13-26-31-2601-0001-0170`
Alternative APN	`263113260100010170`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,660 sqft Living Area
Gross Area	2,850 sqft
1st Floor Area	1,660 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	26,310 sqft (0.604 acres)
Lot Dimensions	200 ft deep x 131 ft wide
Garage Type	Attached
Garage Area	792 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Patio
Porch Area	288 sqft
Shed	1 Shed
Shed Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	2525 SANDRIDGE LN
City	SAINT CLOUD
State	FL
Zip	34771-7316
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ORS1
Legal Description	BAY TREE COVE PB 4 PG 74 LOT 17
Legal Range	31E
Legal Township	26S
Legal Section	13
Legal Subdivision	BAY TREE COVE
Legal Tract	2601
Legal Block	170
Legal Lot Number	17
Jurisdiction	OSCEOLA FL
Township / Civil Division	SOUTH AND EAST OSCEOLA
Census Block Group	1
Census Block	1007
Census Tract	43801

Owner

Source: Osceola County records, as of July 22, 2026

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	2525 SANDRIDGE LN, SAINT CLOUD, FL 34771-7316
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 8, 2022	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC
Mar 7, 2017	Warranty Deed, Transfer · VA Mortgage FBC MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 7, 2017 · Amount on Record
Deed Sale	Mar 7, 2017 · Amount on Record
Prior Sale	Dec 4, 2002 · Amount on Record
Deed Document Number	201736151
Deed Book / Page	5113 / 1024
Prior Transfer Date	Feb 28, 2017
Prior Transfer Doc	0051131024
Record Updated	Oct 29, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2525 SANDRIDGE LN, SAINT CLOUD, FL 34771-7316
Transaction Type	Mortgage
Record Updated	Jan 11, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2525 SANDRIDGE LN, SAINT CLOUD, FL 34771-7316

Mortgage

Document Number	0063260852
Date	Dec 8, 2022
Book Page	6326/852
Instrument	2022175969

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	MOORPARK, CA 93021

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	352 Months
Due	Apr 1, 2052

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 7, 2017
Property Address	2525 SANDRIDGE LN, SAINT CLOUD, FL 34771-7316
Document Number	0051131024
Book / Page	5113 / 1024
Map Reference	MB4 PG74
Instrument Date	Feb 28, 2017
Instrument	2017036151
Transaction Type	Transfer
Record Updated	Aug 1, 2022
Title Company	QUALITY TITLE & ESCROW LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,015.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3321 PRIMROSE WILLOW DR, 3321, HARMONY, FL 34773-6017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2525 SANDRIDGE LN, SAINT CLOUD, FL 34771-7316

Mortgage

Document Number	0051131026
Date	Mar 7, 2017
Instrument	5113/1026

Lender

Name	FBC MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2047

Tax Assessment & Valuation

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	$3,064.00 (+8.08%) Homeowner's exemption	$210,607 (+5.99%)	$349,900 (+30.66%) Land $95,000 Building $254,900
2023	$2,835.00 (+4.57%) Homeowner's exemption	$198,711 (+3%)	$267,800 (+13.38%) Land $55,700 Building $212,100
2022	$2,711.00 Homeowner's exemption	$192,924	$236,200 Land $55,700 Building $180,500

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

Flood

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 192 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	192 in force
Nearby Flood Claims	6 (2002–2023)
Most Recent Claim	Nov 2023 · rainfall accumulation

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

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

Wildfire Risk	High above 75% of the US · above 61% of Florida
Wildfire Likelihood	0.5% 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	TOHO WATER AUTHORITY EASTERN private · serves 110,102 people · EPA ID FL3490751
Water Source	Groundwater
Last State Inspection	Jun 2025
Lead	Under 1 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	2 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 81 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
CenturyLink DSL	140 / 20

May also be available: Spectrum.

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