2908 Ponce Crest Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2908 Ponce Crest Dr, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,289 sqft · built 2019
Lot Size	0.139 acres (6,098 sqft)
Owner	Individual Name on File
Last Sale	$294,200 (Nov 2020)
Tax Bill	$4,078 (2025)
Deeds & Mortgages	Nov 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`192631021400010750`

Property Details

APN / Parcel Number

Primary APN	`192631021400010750`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,289 sqft Heated Area
Gross Area	2,865 sqft
1st Floor Area	1,099 sqft
Upper Floors Area	1,190 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,098 sqft (0.139 acres)
Garage Type	Finished
Garage Area	420 sqft
Porch	Open Porch
Porch Area	156 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	2908 PONCE CREST DR
City	SAINT CLOUD
State	FL
Zip	34772-8955
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HICKORY GROVE PH 1 PB 27 PGS 6-8 LOT 75
Legal Range	31E
Legal Township	26S
Legal Section	19
Legal Subdivision	HICKORY GROVE
Legal Phase	1
Legal Tract	214
Legal Lot Number	75
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1018
Census Tract	43304

Owner

Source: Osceola County records · APN 192631021400010750

Assessment roll updated July 1, 2025 · Last verified December 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 File
Co-owner	Verified Secondary Owner
Mailing Address	2908 PONCE CREST DR, SAINT CLOUD, FL 34772-8955
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 02, 2020 · Amount on Record
Deed Sale	Nov 02, 2020 · Amount on Record
Deed Document Number	2020148804
Deed Book / Page	5824 / 2372
Record Updated	Jun 08, 2026

November 2020: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Nov 02, 2020
Property Address	2908 PONCE CREST DR, SAINT CLOUD, FL 34772-8955
Document Number	0058242372
Book / Page	5824 / 2372
Map Reference	MB 27 PG 6-8
Instrument Date	Oct 29, 2020
Instrument	2020148804
Transaction Type	Transfer
Record Updated	Feb 08, 2022
Title Company	INSPIRED TITLE SERVICES LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,059.40
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4900 N SCOTTSDALE RD STE 2000, 4900, SCOTTSDALE, AZ 85251-7656

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2908 PONCE CREST DR, SAINT CLOUD, FL 34772-8955

Mortgage

Document Number	0058242374
Date	Nov 02, 2020
Instrument	5824/2374

Lender

Name	TAYLOR MORRISON HOME FUNDING LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 01, 2050

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 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

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	$4,078.00 (+6.17%) Homeowner's exemption	$270,757 (+5.99%)	$365,800 (-5.72%) Land $75,000 Building $290,800
2023	$3,841.00 (+3.53%) Homeowner's exemption	$255,464 (+3%)	$388,000 (+29.08%) Land $70,000 Building $318,000
2022	$3,710.00 Homeowner's exemption	$248,024	$300,600 Land $55,000 Building $245,600

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 59 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	59 in force
Nearby Flood Claims	1 (2017)
Most Recent Claim	Sep 2017 · Hurricane Irma

Wildfire

Wildfire Risk	Moderate above 57% of the US · lower than 69% of Florida
Wildfire Likelihood	0.2% annual chance
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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Lumen Technologies Fiber	2,000 / 1,000
Spectrum Cable	1,000 / 1,000

May also be available: Verizon, Xfinity.

Based on FCC filings for 329 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	ST. CLOUD, CITY OF (3 WPS) serves 82,752 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.