Osceola County property record for 47 Polermo Ave, Saint Cloud, FL 34771 · Last verified February 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 5 Beds |
| Bathrooms | 4 Baths |
| Year Built | Built 2022 |
| Square Footage | 3,137 sqft Heated Area |
| Lot Size | 6,970 sqft (0.16 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $529,999 (2026) |
| Tax Bill | $4,444.00 (2025) |
| Primary APN | 212531497900013060 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4 Baths |
| Building Area | 3,137 sqft Heated Area |
| Gross Area | 3,873 sqft Gross Area |
| Stories | 2 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2022 |
|---|---|
| Exterior Material | Stucco Exterior |
| Construction Type | Frame Construction |
| Foundation Type | Footing Foundation |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 6,970 sqft (0.16 acres) |
| Garage Type | Finished Garage |
| Pool Area | 300 sqft Pool |
|---|---|
| Fence | Fence |
| Deck Area | 588 sqft Deck |
| Porch | Finished/Screened Porch |
| Porch Area | 120 sqft Porch |
| Cooling System | HVAC Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 47 POLERMO AVE |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-9437 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | SIENA RESERVE PH 2C PB 30 PGS 160-163 LOT 306 |
| Legal Subdivision | SIENA RESERVE PHS 2C TEMP |
| Legal Phase | 2C |
| Legal Lot Number | 306 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 1 |
| Census Block | 1053 |
| Census Tract | 43700 |
Source: Osceola County records · APN 212531497900013060
Assessment roll updated July 1, 2025 · Last verified February 2026
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 | 47 POLERMO AVE, SAINT CLOUD, FL 34771-9437 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Mar 03, 2023 | Deed of Trust, Mortgage · Line of Credit TRUIST BANK |
| Jan 29, 2026 | Warranty Deed, Transfer · Conventional Mortgage HOME1ST LENDING LLC |
| Aug 29, 2022 | Special Warranty Deed, Transfer · Conventional Mortgage HOME SOLUTION LENDERS INC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jan 29, 2026 · Amount on Record |
| Deed Sale | Jan 29, 2026 · Amount on Record |
| Prior Sale | Aug 29, 2022 · Amount on Record |
| Deed Doc Number | 2026013017 |
| Deed Book / Page | 6915 / 621 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 47 POLERMO AVE, SAINT CLOUD, FL 34771-9437 |
| Transaction Type | Mortgage |
| Record Updated | Feb 11, 2026 |
| Name | Verified Name |
|---|---|
| Address | 47 POLERMO AVE, SAINT CLOUD, FL 34771-9437 |
| Document Number | 0063660526 |
|---|---|
| Date | Mar 03, 2023 |
| Book Page | 6366/526 |
| Instrument | 2023025088 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | WHITEVILLE, NC 28472 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Feb 17, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jan 29, 2026 |
| Property Address | 47 POLERMO AVE, SAINT CLOUD, FL 34771-9437 |
| Document Number | 0069150621 |
| Book / Page | 6915 / 621 |
| Map Reference | MB 30 PG 160-163 |
| Instrument Date | Jan 27, 2026 |
| Instrument | 2026013017 |
| Transaction Type | Transfer |
| Record Updated | Feb 11, 2026 |
| Title Company | INFINITY TITLE GROUP |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,710.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 47 POLERMO AVE, SAINT CLOUD, FL 34771-9437 |
| Name | Verified Name |
|---|---|
| Address | 47 POLERMO AVE, SAINT CLOUD, FL 34771-9437 |
| Document Number | 0006915623 |
|---|---|
| Date | Jan 29, 2026 |
| Instrument | 6915/623 |
| Name | HOME1ST LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2056 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Aug 29, 2022 |
| Property Address | 47 POLERMO AVE, SAINT CLOUD, FL 34771-9437 |
| Document Number | 0062761656 |
| Book / Page | 6276 / 1656 |
| Map Reference | MB 30 PG 160-163 |
| Instrument Date | Aug 25, 2022 |
| Instrument | 2022131781 |
| 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 | $3,458.00 |
| 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 | 47 POLERMO AVE, SAINT CLOUD, FL 34771-9437 |
| Document Number | 0062761658 |
|---|---|
| Date | Aug 29, 2022 |
| Instrument | 6276/1658 |
| Name | HOME SOLUTION LENDERS INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2052 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified February 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 | $4,444.00 (+16.34%) Homeowner's exemption | $310,222 (+15.24%) | $473,100 (+10.51%) Land $75,000 Building $398,100 |
| 2023 | $3,820.00 (+355.85%) Homeowner's exemption | $269,205 (+348.68%) | $428,100 (+613.5%) Land $70,000 Building $358,100 |
| 2022 | $838.00 | $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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