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1016 Monroe Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 1016 Monroe Ave, Saint Cloud, FL 34769

Property Summary

Property TypeSingle Family Home
Details2 bd · 2 ba · 1,235 sqft · built 1988
Lot Size0.116 acres (5,052 sqft)
Owner2 Individual Names on Record
Last Sale$285,000 (Jun 2025)
Tax Bill$2,244 (2025)
Deeds & MortgagesMay 2019 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN04-26-30-0418-0001-0130

Property Details

APN / Parcel Number

Primary APN04-26-30-0418-0001-0130
Alternative APNs
  • 263004041800010130
  • 82383

Interior

Bedrooms2 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,235 sqft Living Area
Gross Area1,760 sqft
1st Floor Area1,235 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1988
Effective Year BuiltEffective 1998
Exterior MaterialBrick
Construction TypeFrame
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area5,052 sqft (0.116 acres)
Garage TypeAttached
Garage Area315 sqft
Parking Spaces1 Parking Space
PorchFlorida Room
Porch Area120 sqft
Patio Area60 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address1016 MONROE AVE
CitySAINT CLOUD
StateFL
Zip34769-6737
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeSPUD
Legal DescriptionPALAMAR OAKS VILLAGE PH 2 PB 5 PG 22 LOT 13
Legal Range30E
Legal Township26S
Legal Section04
Legal SubdivisionPALAMAR OAKS VLG PH 2
Legal Phase2
Legal Tract418
Legal Block130
Legal Lot Number13
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1000
Census Tract43208

Owner

Source: Osceola County records, as of November 26, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on Record
Mailing Address1016 MONROE AVE, SAINT CLOUD, FL 34769-6737
OccupancyOwner Occupied
Owner TypeIndividual
VestingHusband and Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJun 17, 2025 · Amount on Record
Deed SaleJun 17, 2025 · Amount on Record
Prior SaleMay 8, 2019 · Amount on Record
Deed Document Number202576281
Deed Book / Page6805 / 2287
Prior Transfer DateOct 8, 2015
Prior Transfer Doc0048572424
Record UpdatedJun 8, 2026

May 2019: Deed, Transfer

Document TypeDeed
JurisdictionOSCEOLA FL
Recording DateMay 8, 2019
Property Address1016 MONROE AVE, SAINT CLOUD, FL 34769-6737
Document Number0055211118
Book / Page5521 / 1118
Map ReferenceMB 5 PG 22&23
Instrument DateMay 7, 2019
Instrument2019059562
Transaction TypeTransfer
Record UpdatedFeb 8, 2022
Title CompanyBROKERS TTL OFCENTRAL FL LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,246.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address401 E JACKSON ST # ST19TH, 401, TAMPA, FL 33602-5233

Transferred To (Grantee/Buyer)

NameVerified Name
Address1545 W DONEGAN AVE APT D, D, KISSIMMEE, FL 34741-2050

Mortgage

Document Number2019059563
DateMay 8, 2019
Instrument2019059563
Lender
NameTHE MORTGAGE FIRM INC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJun 1, 2049

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$2,244.00 (+4.03%)$179,910 (+5.99%)$276,200 (+3.56%) Land $53,300 Building $222,900
2024$2,157.00 (+3.26%)
2023$2,089.00 (+4.35%) Homeowner's exemption Senior Citizen's exemption$169,748 (+3%)$266,700 (+26.94%) Land $49,200 Building $217,500
2022$2,002.00 Homeowner's exemption Senior Citizen's exemption$164,804$210,100 Land $45,100 Building $165,000

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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 29 individual policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies35 units insured
incl. 6 condo units

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 RiskLow
lower than 99.8% of the US · lower than 99.7% of Florida
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
beyond ember reach

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 SystemST. CLOUD, CITY OF (3 WPS)
serves 82,752 people · EPA ID FL3491373
Water SourceGroundwater
Last State InspectionJul 2025
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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 263 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Spectrum
Cable		1,000 / 1,000
Starlink
Satellite		280 / 30

May also be available: AT&T, CenturyLink.

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