Osceola County property record for 1013 Indiana Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,578 sqft · built 2006 |
| Lot Size | 0.16 acres (6,970 sqft) |
| Owner | Individual Name on File |
| Last Sale | $366,000 (Jan 2023) |
| Tax Bill | $1,511 (2025) |
| Deeds & Mortgages | Jan 2023 Sale & Mortgage Dec 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 129727 |
| Primary APN | 129727 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,578 sqft Heated Area |
| Gross Area | 2,130 sqft |
| 1st Floor Area | 1,578 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2006 |
|---|---|
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 6,970 sqft (0.16 acres) |
| Lot Dimensions | 140 ft deep x 50 ft wide |
| Garage Type | Finished |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 152 sqft |
| Fence | Fence |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 129727 |
|---|---|
| Street Address | 1013 INDIANA AVE |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-3755 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR2 |
| Legal Description | ST CLOUD PB B PG 34 BLK 166 LOTS 18-19 02-26-30 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD |
| Legal Tract | 1 |
| Legal Block | 166 |
| Legal Lot Number | 18 19 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 4 |
| Census Block | 4008 |
| Census Tract | 43500 |
Source: Osceola County assessment roll, as of July 1, 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 | 1013 INDIANA AVE, SAINT CLOUD, FL 34769-3755 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 12, 2023 | Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC |
| Dec 29, 2020 | Warranty Deed, Transfer · FHA Mortgage ATLANTIC BAY MORTGAGE GROUP LLC |
| May 6, 2019 | Loan Modification, Mortgage UNITED LEGACY BK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jan 12, 2023 · Amount on Record |
| Deed Sale | Jan 12, 2023 · Amount on Record |
| Prior Sale | Dec 29, 2020 · Amount on Record |
| Deed Document Number | 2023005018 |
| Deed Book / Page | 6344 / 506 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jan 12, 2023 |
| Property Address | 1013 INDIANA AVE, SAINT CLOUD, FL 34769-3755 |
| Document Number | 0063440506 |
| Book / Page | 6344 / 506 |
| Map Reference | MB B PG 33&34 |
| Instrument Date | Jan 11, 2023 |
| Instrument | 2023005018 |
| Transaction Type | Transfer |
| Record Updated | Jan 27, 2023 |
| Title Company | LAND TITLE PROFESSIONALS LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,562.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1013 INDIANA AVE, SAINT CLOUD, FL 34769-3755 |
| Name | Verified Name |
|---|---|
| Address | 1013 INDIANA AVE, SAINT CLOUD, FL 34769-3755 |
| Document Number | 0006344508 |
|---|---|
| Date | Jan 12, 2023 |
| Instrument | 6344/508 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Dec 29, 2020 |
| Property Address | 1013 INDIANA AVE, SAINT CLOUD, FL 34769-3755 |
| Document Number | 0058600302 |
| Book / Page | 5860 / 302 |
| Map Reference | MB B PG 33&34 |
| Instrument Date | Dec 23, 2020 |
| Instrument | 2020176255 |
| Transaction Type | Transfer |
| Record Updated | Aug 1, 2022 |
| Title Company | STEWART TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,749.30 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1396 HAMLIN AVE, 1396, SAINT CLOUD, FL 34771-8535 |
| Name | Verified Name |
|---|---|
| Address | 1013 INDIANA AVE, SAINT CLOUD, FL 34769-3755 |
| Document Number | 0005860303 |
|---|---|
| Date | Dec 29, 2020 |
| Instrument | 5860/303 |
| Name | ATLANTIC BAY MORTGAGE GROUP LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2051 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1013 INDIANA AVE, SAINT CLOUD, FL 34769-3755 |
| Document Number | 0055212798 |
| Instrument Date | May 6, 2019 |
| Transaction Type | Mortgage |
| Record Updated | May 20, 2019 |
| Title Company | ATTORNEY ONLY |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 1396 HAMLIN AVE ST CLOUD FL 347718535, ST CLOUD, FL 34771-8535 |
| Document Number | 0055212798 |
|---|---|
| Date | May 9, 2019 |
| Book Page | 005521/002798 |
| Instrument | 60106 |
| Name | UNITED LEGACY BK |
|---|---|
| Type | Bank |
| Address | LONGWOOD, FL 32750 |
| Amount | Amount Recorded |
|---|---|
| Term | 60 Months |
| Due | May 8, 2024 |
Source: Osceola County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,511.00 (-47.5%) Homeowner's exemption | $127,326 (-36.97%) | $323,400 (+15.58%) Land $46,800 Building $276,600 |
| 2023 | $2,878.00 (+3.71%) Homeowner's exemption | $201,995 (+3%) | $279,800 (+16.78%) Land $34,000 Building $245,800 |
| 2022 | $2,775.00 Homeowner's exemption | $196,112 | $239,600 Land $30,600 Building $209,000 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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 15 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 15 in force |
| Nearby Flood Claims | 2 (1983–2003) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Aug 2003 · tidal / storm surge |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 67% of the US · lower than 92% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | ST. CLOUD, CITY OF (3 WPS) serves 82,752 people · EPA ID FL3491373 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jul 2025 |
| Lead | 2 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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.
Source: FCC Broadband Data Collection, based on 458 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CenturyLink Fiber | 8,000 / 8,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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