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2932 Ponce Crest Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2932 Ponce Crest Dr, Saint Cloud, FL 34772 · Last verified December 2025

Property Summary

Property TypeSingle Family Home
Details4 bd · 4 ba · 2,502 sqft · built 2019
Lot Size0.139 acres (6,098 sqft)
OwnerIndividual Name on File
Last Sale$470,000 (Jul 2024)
Tax Bill$6,354 (2025)
Deeds & MortgagesNov 2023 Mortgage
Mar 2022 Mortgage
+ 2 more
Flood ZoneZone X (minimal risk)
APN192631021400010810

Property Details

APN / Parcel Number

Primary APN192631021400010810

Interior

Bedrooms4 Beds
Full Baths4 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area2,502 sqft Heated Area
Gross Area3,179 sqft
1st Floor Area1,382 sqft
Upper Floors Area1,120 sqft
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2019
Exterior MaterialConcrete Block
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area6,098 sqft (0.139 acres)
Garage TypeFinished
Garage Area441 sqft

Exterior Amenities

Pool Area151 sqft
PorchOpen Porch
Porch Area36 sqft
Deck Area249 sqft
FenceFence

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHVAC

Location & Zoning

Street Address2932 PONCE CREST DR
CitySAINT CLOUD
StateFL
Zip34772-8955
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionHICKORY GROVE PH 1 PB 27 PGS 6-8 LOT 81
Legal Range31E
Legal Township26S
Legal Section19
Legal SubdivisionHICKORY GROVE
Legal Phase1
Legal Tract214
Legal Lot Number81
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1018
Census Tract43304

Owner

Source: Osceola County records · APN 192631021400010810

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 RecordIndividual Name on File
Co-ownerVerified Secondary Owner
Mailing Address2932 PONCE CREST DR, SAINT CLOUD, FL 34772-8955
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Nov 08, 2023Deed of Trust, Mortgage · Conventional Mortgage
PENNYMAC LOAN SERVICES LLC
Mar 09, 2022Deed of Trust, Mortgage · FHA Mortgage
PENNYMAC LOAN SERVICES LLC
Jul 03, 2024Warranty Deed, Transfer · FHA Mortgage
CAKE MORTGAGE CORP
Dec 02, 2019Grant Deed, Subdivision Related Transfer · FHA Mortgage
TAYLOR MORRISON HOME FUNDING

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJul 03, 2024 · Amount on Record
Deed SaleJul 03, 2024 · Amount on Record
Deed Document Number2024087882
Deed Book / Page6628 / 1422
Record UpdatedJun 08, 2026

November 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address2932 PONCE CREST DR, SAINT CLOUD, FL 34772-8955
Transaction TypeMortgage
Record UpdatedDec 12, 2025
Title CompanySERVICELINK

Transferred To (Grantee/Buyer)

NameVerified Name
Address2932 PONCE CREST DR, SAINT CLOUD, FL 34772-8955

Mortgage

Document Number0065021806
DateNov 08, 2023
Book Page6502/1806
Instrument2023147784
Lender
NamePENNYMAC LOAN SERVICES LLC
TypeMortgage Company
AddressMOORPARK, CA 93021
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term313 Months
DueDec 01, 2049

March 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address2932 PONCE CREST DR, SAINT CLOUD, FL 34772-8955
Transaction TypeMortgage
Record UpdatedDec 12, 2025
Title CompanySERVICELINK

Transferred To (Grantee/Buyer)

NameVerified Name
Address2932 PONCE CREST DR, SAINT CLOUD, FL 34772-8955

Mortgage

Document Number0061672864
DateMar 09, 2022
Book Page6167/2864
Instrument2022038340
Lender
NamePENNYMAC LOAN SERVICES LLC
TypeMortgage Company
AddressWESTLAKE VILLAGE, CA 91361
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term333 Months
DueDec 01, 2049

July 2024: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateJul 03, 2024
Property Address2932 PONCE CREST DR, SAINT CLOUD, FL 34772-8955
Document Number0066281422
Book / Page6628 / 1422
Map ReferenceMB 27 PG 6-8
Instrument DateJun 28, 2024
Instrument2024087882
Transaction TypeTransfer
Record UpdatedDec 12, 2025
Title CompanyUNKNOWN, THE CLOSING AGENT LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$3,290.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address4 BOX 17803 BO17803, 17803, ZANJAS XX 627

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants in Common
Address2932 PONCE CREST DR, SAINT CLOUD, FL 34772-8955

Mortgage

Document Number2024087883
DateJul 03, 2024
Instrument2024087883
Lender
NameCAKE MORTGAGE CORP
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueJul 01, 2054

December 2019: Grant Deed, Subdivision Related Transfer

Document TypeGrant Deed
JurisdictionOSCEOLA FL
Recording DateDec 02, 2019
Property Address2932 PONCE CREST DR, SAINT CLOUD, FL 34772-8955
Document Number0056320189
Book / Page005632 / 000189
Instrument DateNov 27, 2019
Instrument155123
Transaction TypeSubdivision Related Transfer
Record UpdatedDec 20, 2019
Title CompanyINSPIRED TITLE SERVICES LLC, INSPIRED TITLE SVCS LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,196.60
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address2932 PONCE CREST DR ST CLOUD FL 347728955, ST CLOUD, FL 34772-8955

Mortgage

Document Number56320191
DateDec 02, 2019
Book Page005632/000191
Instrument155124
Lender
NameTAYLOR MORRISON HOME FUNDING
TypeFunding / Finance Company
AddressMAITLAND, FL 32751
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueDec 01, 2049

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola 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.

YearTax BillAssessed ValueAssessed Market Value
2025$6,354.00 (+51.36%) Homeowner's exemption$397,900 (+44.55%) Land $75,000 Building $322,900$397,900 (-2.67%) Land $75,000 Building $322,900
2023$4,198.00 (+3.48%) Homeowner's exemption$275,274 (+3%)$408,800 (+27.79%) Land $70,000 Building $338,800
2022$4,057.00 Homeowner's exemption$267,257$319,900 Land $55,000 Building $264,900

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970433041, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 59 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies59 in force
Nearby Flood Claims1 (2017)
Most Recent ClaimSep 2017, Hurricane Irma

Wildfire

Wildfire RiskModerate
above 58% of the US · above 30% of Florida
Wildfire LikelihoodAbout 1 in 524 per year
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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, availability as of December 31, 2025 · Published October 2026 · based on 329 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
Lumen TechnologiesFiber2,000 / 1,000
SpectrumCable1,000 / 1,000

May also be available at this address: Verizon, Xfinity. Availability varies by address; speeds are provider-advertised maximums, not measured.

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