2936 Ponce Crest Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2936 Ponce Crest Dr, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,800 sqft · built 2019
Lot Size	0.18 acres (7,841 sqft)
Owner	Individual Name on File
Last Sale	$561,500 (Dec 2022)
Tax Bill	$6,703 (2025)
Deeds & Mortgages	Dec 2022 Sale & Mortgage May 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`192631021400010820`

Property Details

APN / Parcel Number

Primary APN	`192631021400010820`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,800 sqft Heated Area
Gross Area	3,400 sqft
1st Floor Area	1,760 sqft
Upper Floors Area	1,040 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	7,841 sqft (0.18 acres)
Garage Type	Finished
Garage Area	400 sqft

Exterior Amenities

Pool Area	49 sqft
Porch	Open Porch
Porch Area	200 sqft
Deck Area	589 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	2936 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 82
Legal Range	31E
Legal Township	26S
Legal Section	19
Legal Subdivision	HICKORY GROVE
Legal Phase	1
Legal Tract	214
Legal Lot Number	82
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1018
Census Tract	43304

Owner

2936 Ponce Crest Dr is owned and occupied by an individual who bought it in December 2022.

Source: Osceola County records, as of December 11, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	2936 PONCE CREST DR, SAINT CLOUD, FL 34772-8955
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Dec 22, 2022	Warranty Deed, Transfer · Conventional Mortgage CHANGE LENDING LLC
May 1, 2019	Special Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 22, 2022 · Amount on File
Deed Sale	Dec 22, 2022 · Amount on File
Prior Sale	May 1, 2019 · Amount on File
Deed Document Number	0063342506
Deed Book / Page	6334 / 2506
Record Updated	Jun 8, 2026

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 22, 2022
Property Address	2936 PONCE CREST DR, SAINT CLOUD, FL 34772-8955
Document Number	0063342506
Book / Page	6334 / 2506
Map Reference	MB 27 PG 6-8
Instrument Date	Dec 22, 2022
Instrument	2022183700
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	AMERICAN TITLE AND TRUST LLC, AMERICAN TITLE TRUST LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,930.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2936 PONCE CREST DR, SAINT CLOUD, FL 34772-8955

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7866 JUBILEE PARK BLVD APT 1623, 1623, ORLANDO, FL 32822-5236

Mortgage

Document Number	2022183701
Date	Dec 22, 2022
Instrument	2022183701

Lender

Name	CHANGE LENDING LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

May 2019: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 1, 2019
Property Address	2936 PONCE CREST DR, SAINT CLOUD, FL 34772-8955
Document Number	0055170154
Book / Page	5517 / 0154
Map Reference	MB 27 PG 6-8
Instrument Date	Apr 30, 2019
Instrument	2019055715
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,272.90
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2420 LAKEMONT AVE # 450450, 2420, ORLANDO, FL 32814-6164

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2936 PONCE CREST DR, SAINT CLOUD, FL 34772-8955

Mortgage

Document Number	2019055716
Date	May 1, 2019
Instrument	2019055716

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 2936 Ponce Crest Dr was $6,703 with a homeowner's exemption.

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	$6,703.00 Homeowner's exemption	$417,416	$422,900 Land $75,000 Building $347,900
2023	$8,228.00 (+79.42%)	$456,700 (+53.96%) Land $70,000 Building $386,700	$456,700 (+26.51%) Land $70,000 Building $386,700
2022	$4,586.00 Homeowner's exemption	$296,640	$361,000 Land $55,000 Building $306,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 2936 Ponce Crest Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2017.

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 File 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

Wildfire risk around 2936 Ponce Crest Dr is moderate, ranking above 57% of the US, with a 0.2% annual chance of 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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