Osceola County property record for 1017 Indiana Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,578 sqft · built 2006 |
| Lot Size | 0.162 acres (7,056 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $230,000 (Aug 2019) |
| Tax Bill | $2,830 (2025) |
| Deeds & Mortgages | Aug 2019 Sale & Mortgage May 2019 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-26-30-0001-0166-0160 |
| Primary APN | 01-26-30-0001-0166-0160 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,578 sqft Living Area |
| Gross Area | 2,130 sqft |
| 1st Floor Area | 1,578 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 7,056 sqft (0.162 acres) |
| Lot Dimensions | 140 ft deep x 50 ft wide |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Florida Room |
|---|---|
| Porch Area | 152 sqft |
| Patio Area | 280 sqft |
| Shed | 1 Shed |
| Shed Area | 96 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 1017 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 16 & 17 2/26/30 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD 2ND PLAT TOWN OF |
| Legal Tract | 1 |
| Legal Block | 166 |
| Legal Lot Number | 16 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 4 |
| Census Block | 4008 |
| Census Tract | 43500 |
Source: Osceola County records · APN 01-26-30-0001-0166-0160
Assessment roll updated November 26, 2025 · Last verified August 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1017 INDIANA AVE, SAINT CLOUD, FL 34769-3755 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 01, 2019 | Warranty Deed, Transfer · Conventional with PMI NMB HM LNS INC |
| May 06, 2019 | Loan Modification, Mortgage UNITED LEGACY BK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 01, 2019 · Amount on Record |
| Deed Sale | Aug 01, 2019 · Amount on Record |
| Prior Sale | Apr 27, 2005 · Amount on Record |
| Deed Document Number | 201999414 |
| Deed Book / Page | 5566 / 1945 |
| Prior Transfer Date | May 28, 2003 |
| Prior Transfer Doc | 2262001499 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Aug 01, 2019 |
| Property Address | 1017 INDIANA AVE, SAINT CLOUD, FL 34769-3755 |
| Document Number | 0055661945 |
| Book / Page | 005566 / 001945 |
| Instrument Date | Jul 31, 2019 |
| Instrument | 99414 |
| Transaction Type | Transfer |
| Record Updated | Aug 20, 2019 |
| Title Company | STEWART TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,610.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1017 INDIANA AVE ST CLOUD FL 347693755, ST CLOUD, FL 34769-3755 |
| Document Number | 55661946 |
|---|---|
| Date | Aug 01, 2019 |
| Book Page | 005566/001946 |
| Instrument | 99415 |
| Name | NMB HM LNS INC |
|---|---|
| Address | LEBANON, NJ 08833 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 31, 2049 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1017 INDIANA AVE, SAINT CLOUD, FL 34769-3755 |
| Document Number | 0055212798 |
| Instrument Date | May 06, 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 09, 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 08, 2024 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,830.00 (+3.63%) Homeowner's exemption | $200,988 (+5.99%) | $322,100 (+15.53%) Land $46,800 Building $275,300 |
| 2024 | $2,731.00 (+2.82%) | ||
| 2023 | $2,656.00 (+3.83%) Homeowner's exemption | $189,635 (+3%) | $278,800 (+16.56%) Land $34,000 Building $244,800 |
| 2022 | $2,558.00 Homeowner's exemption | $184,112 | $239,200 Land $30,600 Building $208,600 |
Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
| 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 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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Lumen Technologies 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 |
Based on FCC filings for 458 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | ST. CLOUD, CITY OF (3 WPS) serves 82,752 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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