920 Vicenza St, Saint Cloud, FL 34771 Property Records

Osceola County property record for 920 Vicenza St, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,214 sqft · built 2017
Lot Size	0.16 acres (6,969 sqft)
Owner	Individual Name on Record
Last Sale	$268,582 (Jun 2017)
Tax Bill	$4,104 (2025)
Deeds & Mortgages	Jan 2025 Mortgage May 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`20-25-31-5051-0001-0330`

Property Details

APN / Parcel Number

Primary APN	`20-25-31-5051-0001-0330`
Alternative APN	`253120505100010330`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,214 sqft Living Area
Gross Area	2,984 sqft
1st Floor Area	2,214 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,969 sqft (0.16 acres)
Garage Type	Attached
Garage Area	507 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	263 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	920 VICENZA ST
City	SAINT CLOUD
State	FL
Zip	34771-9118
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	STONEWOOD ESTATES PB 24 PGS 143-148 LOT 33
Legal Range	31E
Legal Township	25S
Legal Section	20
Legal Subdivision	STONEWOOD ESTATES
Legal Tract	5051
Legal Block	330
Legal Lot Number	33
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3068
Census Tract	43700

Owner

Source: Osceola County records, as of July 14, 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 Record
Mailing Address	920 VICENZA ST, SAINT CLOUD, FL 34771-9118
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 16, 2025	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
May 19, 2022	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Jun 23, 2017	Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage FBC MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 23, 2017 · Amount on Record
Deed Sale	Jun 23, 2017 · Amount on Record
Deed Document Number	201792249
Deed Book / Page	5169 / 526
Record Updated	Sep 20, 2026

January 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	920 VICENZA ST, SAINT CLOUD, FL 34771-9118
Transaction Type	Mortgage
Record Updated	Dec 12, 2025
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	920 VICENZA ST, SAINT CLOUD, FL 34771-9118

Mortgage

Document Number	0067270387
Date	Jan 16, 2025
Book Page	6727/387
Instrument	2025007009

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	MOORPARK, CA 93021

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	318 Months
Due	Jul 1, 2051

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	920 VICENZA ST, SAINT CLOUD, FL 34771-9118
Transaction Type	Mortgage
Record Updated	Dec 12, 2025
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	920 VICENZA ST, SAINT CLOUD, FL 34771-9118

Mortgage

Document Number	0062170299
Date	May 19, 2022
Book Page	6217/299
Instrument	2022079028

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	IRVINE, CA 92602

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	350 Months
Due	Jul 1, 2051

June 2017: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 23, 2017
Property Address	920 VICENZA ST, SAINT CLOUD, FL 34771-9118
Document Number	0051690526
Book / Page	5169 / 0526
Map Reference	MB24 PG143-148
Instrument Date	Jun 23, 2017
Instrument	2017092249
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 8, 2022
Title Company	FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,880.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4776 NEW BROAD ST STE 150, 4776, ORLANDO, FL 32814-6407

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	920 VICENZA ST, SAINT CLOUD, FL 34771-9118

Mortgage

Document Number	0051690528
Date	Jun 23, 2017
Instrument	5169/0528

Lender

Name	FBC MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2047

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	$4,104.00 (+7.29%) Homeowner's exemption	$285,686 (+5.99%)	$383,200 (+4.87%) Land $70,000 Building $313,200
2023	$3,825.00 (+4.17%) Homeowner's exemption	$269,549 (+3%)	$365,400 (+26.26%) Land $60,000 Building $305,400
2022	$3,672.00 Homeowner's exemption	$261,699	$289,400 Land $50,000 Building $239,400

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 59% of the US · lower than 67% 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	TWA SUNBRIDGE WATER TREATMENT PLANT public/private · serves 542 people · EPA ID FL3494439
Water Source	Groundwater
Last State Inspection	Jan 2025
Also Mapped Here	TOHO WATER AUTHORITY-POINCIANA SYSTEM
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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 155 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	8,000 / 8,000
Xfinity Cable	1,200 / 35
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, T-Mobile.

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