2904 Canoe Cir, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2904 Canoe Cir, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,493 sqft · built 1995
Lot Size	0.121 acres (5,270 sqft)
Owner	Individual Name on Record
Last Sale	$189,900 (Jun 2020)
Tax Bill	$2,638 (2025)
Deeds & Mortgages	Jun 2020 Sale & Mortgage Jan 2020 Foreclosure + 1 more
Flood Zone	Zone X (minimal risk)
APN	`22-26-30-0071-0001-0240`

Property Details

APN / Parcel Number

Primary APN	`22-26-30-0071-0001-0240`
Alternative APNs	`222630276100010240` `263022007100010240` `127992`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,493 sqft Living Area
Gross Area	1,968 sqft
1st Floor Area	1,493 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Conventional
Exterior Material	Concrete Block/Stucco
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	5,270 sqft (0.121 acres)
Lot Dimensions	105 ft deep x 50 ft wide
Garage Type	Attached
Garage Area	460 sqft
Parking Spaces	2 Parking Spaces
Porch	Florida Room
Porch Area	175 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	2904 CANOE CIR
City	SAINT CLOUD
State	FL
Zip	34772-8703
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SPUD
Legal Description	CANOE CREEK EST PB 8 PG 8-9 LOT 24 ORD #2005-37
Legal Range	30E
Legal Township	26S
Legal Section	22
Legal Subdivision	CANOE CREEK ESTATES
Legal Tract	71
Legal Block	1
Legal Lot Number	24
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1003
Census Tract	43207

Owner

Source: Osceola County records, as of October 9, 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	2904 CANOE CIR, SAINT CLOUD, FL 34772-8703
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 17, 2020	Special Warranty Deed, Transfer · Conventional Mortgage WATERSTONE MORTGAGE CORP
Jan 27, 2020	Court-Ordered Deed, Foreclosure ATTORNEY ONLY
Oct 22, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 17, 2020 · Amount on Record
Deed Sale	Jun 17, 2020 · Amount on Record
Prior Sale	Jan 27, 2020
Deed Document Number	202077522
Deed Book / Page	5738 / 2727
Record Updated	Oct 29, 2026

June 2020: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 17, 2020
Property Address	2904 CANOE CIR, SAINT CLOUD, FL 34772-8703
Document Number	0057382727
Book / Page	5738 / 2727
Map Reference	MB 8 PG 8&9
Instrument Date	May 27, 2020
Instrument	2020077522
Transaction Type	Transfer
Record Updated	Feb 6, 2021
Title Company	BRIGHT LINE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,329.30
Amount Accuracy	Full Amount Stated
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	425 PHILLIPS BLVD, 425, EWING, NJ 08618-1430

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1501 NW 7TH WAY, POMPANO BEACH, FL 33060-5305

Mortgage

Document Number	57382729
Date	Jun 17, 2020
Instrument	5738/2729

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

January 2020: Court-Ordered Deed, Foreclosure

Document Type	Court-Ordered Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 27, 2020
Property Address	2904 CANOE CIR, SAINT CLOUD, FL 34772-8703
Document Number	0056640265
Book / Page	005664 / 000265
Instrument Date	Jan 14, 2020
Instrument	12792
Transaction Type	Foreclosure
Record Updated	Feb 17, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	425 PHILLIPS BLVD EWING NJ 086181430, EWING, NJ 08618-1430

October 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 22, 2018
Property Address	2904 CANOE CIR, SAINT CLOUD, FL 34772-8703
Document Number	0054210293
Book / Page	005421 / 000293
Instrument Date	Oct 20, 2018
Instrument	157784
Transaction Type	Transfer
Record Updated	Nov 2, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$0.70
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2904 CANOE CIR ST CLOUD FL 347728703, ST CLOUD, FL 34772-8703

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Municipality	St. Cloud City
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,638.00 (+3.9%) Homeowner's exemption Senior Citizen's exemption	$201,944 (+5.99%)	$274,800 (-2.73%) Land $65,000 Building $209,800
2024	$2,539.00 (+3.04%)
2023	$2,464.00 (+4.14%) Homeowner's exemption Senior Citizen's exemption	$190,537 (+3%)	$282,500 (+15.68%) Land $60,000 Building $222,500
2022	$2,366.00 Homeowner's exemption Senior Citizen's exemption	$184,988	$244,200 Land $55,000 Building $189,200

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 34 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	34 in force

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	Moderate above 40% of the US · lower than 87% of Florida
Wildfire Likelihood	0.04% 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 402 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
CenturyLink DSL	140 / 20

May also be available: Verizon, Xfinity.

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