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2939 Canoe Cir, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2939 Canoe Cir, Saint Cloud, FL 34772 · Last verified December 2025

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,062 sqft · built 1995
Lot Size0.121 acres (5,271 sqft)
OwnerIndividual Name on File
Last Sale$183,000 (Jul 2018)
Tax Bill$4,118 (2025)
Deeds & MortgagesOct 2020 Mortgage
Jul 2018 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN128005

Property Details

APN / Parcel Number

Primary APN128005
Alternative APNs
  • 222630007100010370
  • 222630276100010370

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,062 sqft Heated Area
Gross Area1,620 sqft
1st Floor Area1,062 sqft
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1995
Exterior MaterialConcrete Block
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area5,271 sqft (0.121 acres)
Lot Dimensions105 ft deep x 50 ft wide
Garage TypeFinished
Garage Area420 sqft
Parking Spaces2 Parking Spaces
PorchOpen Porch
Porch Area138 sqft
FenceFence

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Account Number128005
Old Parcel Number222630276100010370
Street Address2939 CANOE CIR
CitySAINT CLOUD
StateFL
Zip34772-8705
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionCANOE CREEK EST PB 8 PG 8-9 LOT 37 ORD #2005-37
Legal Range30E
Legal Township26S
Legal Section22
Legal SubdivisionCANOE CREEK ESTATES
Legal Tract71
Legal Block1
Legal Lot Number37
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1005
Census Tract43207

Owner

Source: Osceola County records · APN 128005

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
Mailing Address2939 CANOE CIR, SAINT CLOUD, FL 34772-8705
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Oct 13, 2020Deed of Trust, Mortgage · FHA Mortgage
AMERIFIRST FINANCIAL CORP
Jul 09, 2018Warranty Deed, Transfer · FHA Mortgage
AMERIFIRST FINANCIAL CORP

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleJul 09, 2018 · Amount on Record
Deed SaleJul 09, 2018 · Amount on Record
Prior SaleJun 18, 2012
Deed Document Number2018104463
Deed Book / Page5363 / 2125
Record UpdatedJun 08, 2026

October 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address2939 CANOE CIR, SAINT CLOUD, FL 34772-8705
Transaction TypeMortgage
Record UpdatedFeb 05, 2021

Transferred To (Grantee/Buyer)

NameVerified Name
Address2939 CANOE CIR, SAINT CLOUD, FL 34772-8705

Mortgage

Document Number0058120051
DateOct 13, 2020
Book Page5812/51
Instrument2020138251
Lender
NameAMERIFIRST FINANCIAL CORP
TypeFunding / Finance Company
AddressPORTAGE, MI 49002
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueNov 01, 2050

July 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateJul 09, 2018
Property Address2939 CANOE CIR, SAINT CLOUD, FL 34772-8705
Document Number0053632125
Book / Page5363 / 2125
Map ReferenceMB8 PG8&9
Instrument DateJun 29, 2018
Instrument2018104463
Transaction TypeTransfer
Record UpdatedFeb 08, 2022
Title CompanyCALABRATION TITLE GROUP

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,281.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address00000

Transferred To (Grantee/Buyer)

NameVerified Name
Address2939 CANOE CIR, SAINT CLOUD, FL 34772-8705

Mortgage

Document Number2018104464
DateJul 09, 2018
Instrument2018104464
Lender
NameAMERIFIRST FINANCIAL CORP
TypeFunding / Finance Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueJul 01, 2048

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$4,118.00 (+11.78%)$238,500 (-2.25%) Land $65,000 Building $173,500$238,500 (-2.25%) Land $65,000 Building $173,500
2023$3,684.00 (+11.77%)$244,000 (+15.31%) Land $60,000 Building $184,000$244,000 (+15.31%) Land $60,000 Building $184,000
2022$3,296.00$211,600 Land $55,000 Building $156,600$211,600 Land $55,000 Building $156,600

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 120970432071, 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 34 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies34 in force
32 of 34 on primary residences

Wildfire

Wildfire RiskLow
above 37% of the US · above 11% of Florida
Wildfire LikelihoodAbout 1 in 2,128 per year
ExposureDirect
burnable vegetation at the parcel

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.

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