46 Polermo Ave, Saint Cloud, FL 34771 Property Records

Osceola County property record for 46 Polermo Ave, Saint Cloud, FL 34771 · Last verified December 2025

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	4 Beds
Bathrooms	3 Baths
Year Built	Built 2022
Square Footage	2,020 sqft Heated Area
Lot Size	7,841 sqft (0.18 acres)
Occupancy	Owner Occupied
Last Sale	$424,500 (2022)
Tax Bill	$5,534.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`212531497900012990`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	2,020 sqft Heated Area
Gross Area	2,668 sqft Gross Area
Stories	1 Stories
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 2022
Exterior Material	Concrete Block Exterior
Foundation Type	Footing Foundation
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	7,841 sqft (0.18 acres)
Garage Type	Finished Garage
Porch	Open Porch
Porch Area	186 sqft Porch

Utilities and HVAC

Cooling System	A/C Package Cooling
Heating System	HVAC Heating

Location & Zoning

Street Address	46 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 299
Legal Subdivision	SIENA RESERVE PHS 2C TEMP
Legal Phase	2C
Legal Lot Number	299
Jurisdiction	OSCEOLA FL
Minor Civil Division	ST. CLOUD
Census Blockgroup	1
Census Block	1053
Census Tract	43700

Owner

Source: Osceola County records · APN 212531497900012990

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 Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	46 POLERMO AVE, SAINT CLOUD, FL 34771-9428
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 17, 2022 · Amount on Record
Deed Sale	Nov 17, 2022 · Amount on Record
Deed Doc Number	2022166986
Deed Book / Page	6316 / 931
Record Refreshed	Jun 08, 2026

November 2022: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Nov 17, 2022
Property Address	46 POLERMO AVE, SAINT CLOUD, FL 34771-9428
Document Number	0063160931
Book / Page	6316 / 931
Map Reference	MB 30 PG 160-163
Instrument Date	Nov 14, 2022
Instrument	2022166986
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	INNOVATIVE TITLE AGENCY, INNOVATIVE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,971.50
Amount Accuracy	Rounded Values by County
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3020 S FLORIDA AVE STE 101, 101, LAKELAND, FL 33803-4058

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenant/Joint Tenant w/ Right Of Survivorship
Address	46 POLERMO AVE, SAINT CLOUD, FL 34771-9428

Mortgage

Document Number	0006316933
Date	Nov 17, 2022
Instrument	6316/933

Lender

Name	HOME SOLUTION LENDERS INC
Type	Mortgage Company

Agreement

Type	Federal Housing Administration (FHA) Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 01, 2052

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

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	$5,534.00 (+5.25%)	$348,000 (+4.82%) Land $75,000 Building $273,000	$348,000 (+4.82%) Land $75,000 Building $273,000
2023	$5,258.00 (+527.45%)	$332,000 (+453.33%) Land $70,000 Building $262,000	$332,000 (+453.33%) Land $70,000 Building $262,000
2022	$838.00	$60,000 Land $60,000	$60,000 Land $60,000

Flood & Wildfire

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

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

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.