Osceola County property record for 2804 Palmyra Ct, Saint Cloud, FL 34772 · Last verified April 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,825 sqft · built 2002 |
| Lot Size | 0.198 acres (8,624 sqft) |
| Owner | Individual Name on File |
| Last Sale | $148,600 (Jan 2003) |
| Tax Bill | $1,904 (2025) |
| Deeds & Mortgages | Mar 2026 Line of Credit Aug 2021 Mortgage + 2 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 16-26-30-0586-0001-0030 |
| Primary APN | 16-26-30-0586-0001-0030 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,825 sqft Living Area |
| Gross Area | 2,245 sqft |
| 1st Floor Area | 1,825 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2002 |
| Architectural Style | Conventional |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 8,624 sqft (0.198 acres) |
| Lot Dimensions | 115 ft deep x 75 ft wide |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | In-Ground Pool |
|---|---|
| Pool Area | 420 sqft |
| Porch | Metal Porch |
| Porch Area | 116 sqft |
| Deck Area | 900 sqft |
| Shed | 1 Shed |
| Shed Area | 160 sqft |
| Cooling System | Wall Unit |
|---|---|
| Heating System | HVAC |
| Street Address | 2804 PALMYRA CT |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-7319 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CANOE CREEK LAKES UNIT 11 PB 11 PG 193-196 LOT 3 22/26/30 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 16 |
| Legal Subdivision | CANOE CREEK LAKES UNIT 11 |
| Legal Tract | 586 |
| Legal Block | 30 |
| Legal Lot Number | 3 |
| Legal Unit | 11 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 43208 |
Source: Osceola County records · APN 16-26-30-0586-0001-0030
Assessment roll updated November 26, 2025 · Last verified April 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 File |
|---|---|
| Mailing Address | 2804 PALMYRA CT, SAINT CLOUD, FL 34772-7319 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 10, 2026 | Deed of Trust, Mortgage · Line of Credit BUTTON FINANCE INC |
| Aug 18, 2021 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Oct 26, 2017 | Deed of Trust, Mortgage · VA Mortgage AMERICAN FINANCIAL NETWORK INC |
| Aug 31, 2020 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jan 24, 2003 · Amount on Record |
| Deed Sale | Jan 24, 2003 · Amount on Record |
| Deed Book / Page | 2182 / 2155 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 2804 PALMYRA CT, SAINT CLOUD, FL 34772-7319 |
| Transaction Type | Mortgage |
| Record Updated | Mar 25, 2026 |
| Name | Verified Name |
|---|---|
| Address | 2804 PALMYRA CT, SAINT CLOUD, FL 34772-7319 |
| Document Number | 0069332569 |
|---|---|
| Date | Mar 10, 2026 |
| Book Page | 6933/2569 |
| Instrument | 2026030587 |
| Name | BUTTON FINANCE INC |
|---|---|
| Type | Mortgage Company |
| Address | WHITE PLAINS, NY 10606 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Mar 01, 2046 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 2804 PALMYRA CT, SAINT CLOUD, FL 34772-7319 |
| Transaction Type | Mortgage |
| Record Updated | Sep 02, 2021 |
| Name | Verified Name |
|---|---|
| Address | 2804 PALMYRA CT, SAINT CLOUD, FL 34772-7319 |
| Document Number | 0060250413 |
|---|---|
| Date | Aug 18, 2021 |
| Book Page | 6025/413 |
| Instrument | 2021128115 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 317 Months |
| Due | Jan 01, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 2804 PALMYRA CT, SAINT CLOUD, FL 34772-7319 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0052310002 |
|---|---|
| Date | Oct 26, 2017 |
| Book Page | 5231/0002 |
| Instrument | 2017154519 |
| Name | AMERICAN FINANCIAL NETWORK INC |
|---|---|
| Type | Funding / Finance Company |
| Address | BREA, CA 92821 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 2804 PALMYRA CT, SAINT CLOUD, FL 34772-7319 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0057840962 |
|---|---|
| Date | Aug 31, 2020 |
| Book Page | 5784/962 |
| Instrument | 2020115049 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 328 Months |
| Due | Dec 01, 2047 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 2026
| 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 and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,904.00 (+3.82%) Homeowner's exemption | $149,270 (+5.99%) | $335,000 (-2.28%) Land $75,000 Building $260,000 |
| 2024 | $1,834.00 (+3.21%) | ||
| 2023 | $1,777.00 (+4.22%) Homeowner's exemption | $140,839 (+3%) | $342,800 (+19.36%) Land $65,000 Building $277,800 |
| 2022 | $1,705.00 Homeowner's exemption | $136,737 | $287,200 Land $60,000 Building $227,200 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970432082, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Moderate |
| 500-Year Floodplain | Yes |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Cost | Premium on Record median of 41 individual NFIP policies nearby |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 41 in force |
| Nearby Flood Claims | 2 (2015–2020) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Jan 2020, other causes |
| Wildfire Risk | Moderate above 57% of the US · above 29% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 769 per year |
| 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, availability as of December 31, 2025 · Published October 2026 · based on 152 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| AT&T | Fiber | 5,000 / 5,000 |
| Spectrum | Cable | 1,000 / 35 |
May also be available at this address: Xfinity. Availability varies by address; speeds are provider-advertised maximums, not measured.
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