841 Underwood Ave, Saint Cloud, FL 34771 Property Records

Osceola County property record for 841 Underwood Ave, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 1,865 sqft · built 2021
Lot Size	0.08 acres (3,484 sqft)
Owner	2 Individual Names on Record
Last Sale	$340,000 (Aug 2026)
Tax Bill	$712 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Nov 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`20-25-31-5051-0001-1030`

Property Details

APN / Parcel Number

Primary APN	`20-25-31-5051-0001-1030`
Alternative APN	`253120505100011030`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,865 sqft Living Area
Gross Area	2,640 sqft
1st Floor Area	950 sqft
Flooring	Tile

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Architectural Style	Custom Design
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	3,484 sqft (0.08 acres)
Garage Type	Attached
Garage Area	456 sqft
Porch	Finished/Open Porch
Patio Area	357 sqft

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	841 UNDERWOOD AVE
City	SAINT CLOUD
State	FL
Zip	34771-7724
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	STONEWOOD ESTATES PB 24 PGS 143-148 LOT 103
Legal Range	31E
Legal Township	25S
Legal Section	20
Legal Subdivision	STONEWOOD ESTATES
Legal Tract	5051
Legal Block	1030
Legal Lot Number	103
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3070
Census Tract	43700

Owner

Source: Osceola County records, as of August 28, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	3461 BEAU RD, KISSIMMEE, FL 34746-2779
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Aug 18, 2026	Warranty Deed, Transfer · Conventional Mortgage BANK OF AMERICA
Nov 4, 2021	Warranty Deed, Subdivision Related Transfer · VA Mortgage JET HOMELOANS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 18, 2026 · Amount on Record
Deed Sale	Aug 18, 2026 · Amount on Record
Prior Sale	Nov 4, 2021 · Amount on Record
Deed Document Number	2026107599
Deed Book / Page	7021 / 1887
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 18, 2026
Property Address	841 UNDERWOOD AVE, SAINT CLOUD, FL 34771-7724
Document Number	0000107599
Book / Page	7021 / 1887
Instrument Date	Aug 7, 2026
Instrument	2026107599
Transaction Type	Transfer
Record Updated	Aug 28, 2026
Title Company	TITLE GROUP, Z TITLE GROUP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$240,380.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3461 BEAU RD, KISSIMMEE, FL 34746-2779

Mortgage

Document Number	0000107600,
Date	Aug 18, 2026
Instrument	2026107600

Lender

Name	BANK OF AMERICA

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

November 2021: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Nov 4, 2021
Property Address	841 UNDERWOOD AVE, SAINT CLOUD, FL 34771-7724
Document Number	0060792114
Book / Page	6079 / 2114
Map Reference	MB 24 PG 143-148
Instrument Date	Oct 28, 2021
Instrument	2021171472
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 12, 2025
Title Company	GOLDEN DOG TITLE AND TRUST, GOLDEN DOG TITLE & TRUST

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,241.40
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8529 SOUTHPARK CIR STE 130, 130, ORLANDO, FL 32819-9016

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	841 UNDERWOOD AVE, SAINT CLOUD, FL 34771-7724

Mortgage

Document Number	0060792116
Date	Nov 4, 2021
Instrument	6079/2116

Lender

Name	JET HOMELOANS LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2051

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$712.00 (+14.65%) Homeowner's exemption Veteran's exemption	$282,800 (+4.32%) Land $45,000 Building $237,800	$282,800 (-10.62%) Land $45,000 Building $237,800
2023	$621.00 (+15,425%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$271,096 (+3%)	$316,400 (+20.21%) Land $14,900 Building $301,500
2022	$4.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$263,200 Land $14,900 Building $248,300	$263,200 Land $14,900 Building $248,300

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

Flood

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 Record median of 70 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	70 in force

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 65% of the US · above 43% 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	TOHO WATER AUTHORITY-POINCIANA SYSTEM public/private · serves 69,447 people · EPA ID FL3494429
Water Source	Groundwater
Last State Inspection	Mar 2024
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 193 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: CenturyLink.

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