2920 Ponce Crest Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2920 Ponce Crest Dr, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 2,699 sqft · built 2019
Lot Size	0.139 acres (6,098 sqft)
Owner	Individual Name on Record
Last Sale	$285,000 (Dec 2019)
Tax Bill	$3,878 (2025)
Deeds & Mortgages	Dec 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`192631021400010780`

Property Details

APN / Parcel Number

Primary APN	`192631021400010780`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,699 sqft Heated Area
Gross Area	3,274 sqft
1st Floor Area	1,298 sqft
Upper Floors Area	1,401 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	440 sqft
Porch	Open Porch
Porch Area	135 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	2920 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 78
Legal Range	31E
Legal Township	26S
Legal Section	19
Legal Subdivision	HICKORY GROVE
Legal Phase	1
Legal Tract	214
Legal Lot Number	78
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1018
Census Tract	43304

Owner

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	2920 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 Names on Deed
Last Sale	Dec 16, 2019 · Amount on Record
Deed Sale	Dec 16, 2019 · Amount on Record
Deed Document Number	2019163056
Deed Book / Page	5641 / 1731
Record Updated	Jun 8, 2026

December 2019: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 16, 2019
Property Address	2920 PONCE CREST DR, SAINT CLOUD, FL 34772-8955
Document Number	0056411731
Book / Page	5641 / 1731
Map Reference	MB 27 PG 6-8
Instrument Date	Dec 13, 2019
Instrument	2019163056
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	INSPIRED TITLE SERVICES LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,995.00
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	2920 PONCE CREST DR, SAINT CLOUD, FL 34772-8955

Mortgage

Document Number	0056411733
Date	Dec 16, 2019
Instrument	5641/1733

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

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

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 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	$3,878.00 (+6.22%) Homeowner's exemption	$259,563 (+5.99%)	$382,800 (-8.25%) Land $75,000 Building $307,800
2023	$3,651.00 (+3.57%) Homeowner's exemption	$244,901 (+3%)	$417,200 (+28.77%) Land $70,000 Building $347,200
2022	$3,525.00 Homeowner's exemption	$237,768	$324,000 Land $55,000 Building $269,000

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 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

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 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 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 329 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon, Xfinity.

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