Osceola County property record for 38 Polermo Ave, Saint Cloud, FL 34771 · Last verified June 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 2022 |
| Square Footage | 1,825 sqft Living Area |
| Lot Size | 6,098 sqft (0.14 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $415,000 (2023) |
| Tax Bill | $4,519.00 (2024) |
| Primary APN | 21-25-31-4979-0001-2970 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,825 sqft Living Area |
| Gross Area | 2,512 sqft Gross Area |
| 1st Floor | 1,825 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Carpet Flooring |
| Year Built | Built 2022 |
|---|---|
| Effective Year Built | Effective 2022 |
| Architectural Style | Conventional Style |
| Exterior Material | Concrete Block Exterior |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 6,098 sqft (0.14 acres) |
| Garage Type | Attached Garage |
| Garage Area | 438 sqft Garage |
| Porch Area | 128 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 38 POLERMO AVE |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-9428 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | SIENA RESERVE PH 2C PB 30 PGS 160-163 LOT 297 |
| Legal Range | 31E |
| Legal Township | 25S |
| Legal Section | 21 |
| Legal Subdivision | SIENA RESERVE PHS 2C TEMP |
| Legal Phase | 2C |
| Legal Lot Number | 297 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 1 |
| Census Block | 1053 |
| Census Tract | 43700 |
Source: Osceola County records · APN 21-25-31-4979-0001-2970
Assessment roll updated November 26, 2025 · Last verified June 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 38 POLERMO AVE, SAINT CLOUD, FL 34771-9428 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Vesting | Husband And Wife |
| Date | Document |
|---|---|
| Feb 18, 2026 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage LAKEVIEW COMMUNITY CAPITAL LLC |
| Aug 22, 2023 | Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage EQUITY PRIME MORTGAGE LLC |
| Jun 24, 2022 | Special Warranty Deed, Transfer · Conventional Mortgage HOMEBRIDGE FINANCIAL SERVICES INC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 22, 2023 · Amount on Record |
| Deed Sale | Aug 22, 2023 · Amount on Record |
| Prior Sale | Jun 24, 2022 |
| Deed Doc Number | 2023110206 |
| Deed Book / Page | 6461 / 1962 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 38 POLERMO AVE, SAINT CLOUD, FL 34771-9428 |
| Transaction Type | Mortgage |
| Record Updated | Mar 03, 2026 |
| Name | Verified Name |
|---|---|
| Address | 38 POLERMO AVE, SAINT CLOUD, FL 34771-9428 |
| Document Number | 0069250711 |
|---|---|
| Date | Feb 18, 2026 |
| Book Page | 6925/711 |
| Instrument | 2026023066 |
| Name | LAKEVIEW COMMUNITY CAPITAL LLC |
|---|---|
| Type | Mortgage Company |
| Address | HORSHAM, PA 19044 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2056 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Aug 22, 2023 |
| Property Address | 38 POLERMO AVE, SAINT CLOUD, FL 34771-9428 |
| Document Number | 0064611962 |
| Book / Page | 6461 / 1962 |
| Map Reference | MB 30 PG 160 |
| Instrument Date | Aug 19, 2023 |
| Instrument | 2023110206 |
| Transaction Type | Transfer |
| Record Updated | Dec 12, 2025 |
| Title Company | FIRST INTERNATIONAL TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,905.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 8710 SARATOGA INLET DRIVE APT 309, 309, ORLANDO, FL 32829-8012 |
| Name | Verified Name |
|---|---|
| Address | 38 POLERMO AVE, SAINT CLOUD, FL 34771-9428 |
| Document Number | 0064611965 |
|---|---|
| Date | Aug 22, 2023 |
| Instrument | 6461/1965 |
| Name | EQUITY PRIME MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Sep 01, 2048 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jun 24, 2022 |
| Property Address | 38 POLERMO AVE, SAINT CLOUD, FL 34771-9428 |
| Document Number | 0062400177 |
| Book / Page | 6240 / 177 |
| Map Reference | MB 30 PG 160 |
| Instrument Date | Jun 23, 2022 |
| Instrument | 2022099260 |
| Transaction Type | Transfer |
| Record Updated | Dec 12, 2025 |
| Title Company | INNOVATIVE TITLE AGENCY, INNOVATIVE TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,475.20 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3020 S FLORIDA AVE STE 101, 101, LAKELAND, FL 33803-4058 |
| Name | Verified Name |
|---|---|
| Address | 38 POLERMO AVE, SAINT CLOUD, FL 34771-9428 |
| Document Number | 0006240179 |
|---|---|
| Date | Jun 24, 2022 |
| Instrument | 6240/179 |
| Name | HOMEBRIDGE FINANCIAL SERVICES INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 01, 2052 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified June 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,737.00 (+4.82%) | $331,338 (+5.59%) | $333,000 (+6.12%) Land $75,000 Building $258,000 |
| 2024 | $4,519.00 (+1.71%) | ||
| 2023 | $4,443.00 (+214.21%) Homeowner's exemption | $313,800 (+423%) Land $70,000 Building $243,800 | $313,800 (+423%) Land $70,000 Building $243,800 |
| 2022 | $1,414.00 | $60,000 Land $60,000 | $60,000 Land $60,000 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | High above 81% of the US · above 70% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 157 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values are read at the parcel center point; lenders make the official flood determination.
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