970 Vicenza St, Saint Cloud, FL 34771 Property Records

Osceola County property record for 970 Vicenza St, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,670 sqft · built 2018
Lot Size	0.16 acres (6,970 sqft)
Owner	Individual Name on Record
Last Sale	$275,800 (Apr 2018)
Tax Bill	$5,369 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Aug 2023 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`202531505100010380`

Property Details

APN / Parcel Number

Primary APN	`202531505100010380`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,670 sqft Heated Area
Gross Area	2,564 sqft
1st Floor Area	1,670 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,970 sqft (0.16 acres)
Garage Type	Finished
Garage Area	704 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	190 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	970 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 38
Legal Range	31E
Legal Township	25S
Legal Section	20
Legal Subdivision	STONEWOOD ESTATES
Legal Tract	5051
Legal Lot Number	38
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 December 11, 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 Record
Co-owner	Co-owner on Record
Mailing Address	970 VICENZA ST, SAINT CLOUD, FL 34771-9118
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 30, 2021	Deed of Trust, Mortgage · FHA Mortgage CITIZENS BANK NA
Aug 1, 2023	Deed of Trust, Mortgage · FHA Mortgage CITIZENS BANK NA
Sep 11, 2019	Deed of Trust, Mortgage · FHA Mortgage OCEANSIDE MORTGAGE CO
Jan 24, 2019	Deed of Trust, Mortgage · FHA Mortgage OCEANSIDE MORTGAGE CO
Apr 11, 2018	Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage PACIFIC UNION FINANCIAL LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 11, 2018 · Amount on Record
Deed Sale	Apr 11, 2018 · Amount on Record
Deed Document Number	0053151187
Deed Book / Page	5315 / 1187
Record Updated	Jun 8, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	970 VICENZA ST, SAINT CLOUD, FL 34771-9118
Transaction Type	Mortgage
Record Updated	Dec 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	970 VICENZA ST, SAINT CLOUD, FL 34771-9118

Mortgage

Document Number	0060960295
Date	Nov 30, 2021
Book Page	6096/295
Instrument	2021184014

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	GLEN ALLEN, VA 23059

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	334 Months
Due	Sep 1, 2049

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	970 VICENZA ST, SAINT CLOUD, FL 34771-9118
Transaction Type	Mortgage
Record Updated	Dec 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	970 VICENZA ST, SAINT CLOUD, FL 34771-9118

Mortgage

Document Number	0064491620
Date	Aug 1, 2023
Book Page	6449/1620
Instrument	2023099053

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	GLEN ALLEN, VA 23059

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	313 Months
Due	Sep 1, 2049

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	970 VICENZA ST, SAINT CLOUD, FL 34771-9118
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0055870181
Date	Sep 11, 2019
Book Page	5587/0181
Instrument	2019116762

Lender

Name	OCEANSIDE MORTGAGE CO
Type	Mortgage Company
Address	TOMS RIVER, NJ 08753

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2049

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	970 VICENZA ST, SAINT CLOUD, FL 34771-9118
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0054670848
Date	Jan 24, 2019
Book Page	5467/0848
Instrument	2019009794

Lender

Name	OCEANSIDE MORTGAGE CO
Type	Mortgage Company
Address	TOMS RIVER, NJ 08753

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2049

April 2018: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 11, 2018
Property Address	970 VICENZA ST, SAINT CLOUD, FL 34771-9118
Document Number	0053151187
Book / Page	5315 / 1187
Map Reference	MB24 PG143-148
Instrument Date	Apr 11, 2018
Instrument	2018057209
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	$1,930.60
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	970 VICEZA ST, SAINT CLOUD, FL 34771-9118

Mortgage

Document Number	2018057210
Date	Apr 11, 2018
Instrument	2018057210

Lender

Name	PACIFIC UNION FINANCIAL LLC
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2048

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 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	$5,369.00 (+13.51%)	$336,100 (+5.29%) Land $70,000 Building $266,100	$336,100 (+5.29%) Land $70,000 Building $266,100
2023	$4,730.00 (+15.14%)	$319,200 (+26.32%) Land $60,000 Building $259,200	$319,200 (+26.32%) Land $60,000 Building $259,200
2022	$4,108.00	$252,700 Land $50,000 Building $202,700	$252,700 Land $50,000 Building $202,700

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 57% of the US · lower than 70% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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 293 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber · DSL in parts of the area	8,000 / 8,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Xfinity.

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