Osceola County property record for 1021 Monroe Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.5 ba · 1,002 sqft · built 1986 |
| Lot Size | 0.156 acres (6,795 sqft) |
| Owner | Individual Name on File |
| Last Sale | $140,600 (Oct 2020) |
| Tax Bill | $3,474 (2025) |
| Deeds & Mortgages | Oct 2020 Sale & Mortgage Dec 2019 Foreclosure |
| Flood Zone | Zone X (minimal risk) |
| APN | 04-26-30-0042-0001-0040 |
| Primary APN | 04-26-30-0042-0001-0040 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,002 sqft Living Area |
| Gross Area | 1,442 sqft |
| 1st Floor Area | 1,002 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Architectural Style | Conventional |
| Exterior Material | Brick |
| Construction Type | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 6,795 sqft (0.156 acres) |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Unfinished Vinyl Porch |
| Porch Area | 224 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 1021 MONROE AVE |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-6712 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SPUD |
| Legal Description | REPLAT OF PALAMAR OAKS VILLAGE PB 7 PG 148 LOT 4 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 04 |
| Legal Subdivision | PALAMAR OAKS VLG REPLAT |
| Legal Tract | 42 |
| Legal Block | 1 |
| Legal Lot Number | 4 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 43208 |
Source: Osceola County records · APN 04-26-30-0042-0001-0040
Assessment roll updated November 26, 2025 · Last verified April 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 File |
|---|---|
| Mailing Address | 5309 FOREST BREEZE CT, SAINT CLOUD, FL 34771-7743 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 19, 2020 | Special Warranty Deed, Transfer · Conventional Mortgage CALIBER HOME LOANS INC |
| Dec 17, 2019 | Trustee's Deed, Foreclosure NOT AVAILABLE |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Oct 19, 2020 · Amount on Record |
| Deed Sale | Oct 19, 2020 · Amount on Record |
| Prior Sale | Dec 17, 2019 |
| Deed Document Number | 2020141068 |
| Deed Book / Page | 5815 / 1567 |
| Prior Transfer Date | Nov 30, 2011 |
| Prior Transfer Doc | 0042052363 |
| Record Updated | Jun 08, 2026 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Oct 19, 2020 |
| Property Address | 1021 MONROE AVE, SAINT CLOUD, FL 34769-6712 |
| Document Number | 0058151567 |
| Book / Page | 5815 / 1567 |
| Map Reference | MB 7 PG 148 |
| Instrument Date | Oct 16, 2020 |
| Instrument | 2020141068 |
| Transaction Type | Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | FIRST INTERNATIONAL TTL INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $984.20 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 14405 WALTERS RD STE 200, 14405, HOUSTON, TX 77014-1345 |
| Name | Verified Name |
|---|---|
| Address | 5309 FOREST BREEZE CT, SAINT CLOUD, FL 34771-7743 |
| Document Number | 0058151573 |
|---|---|
| Date | Oct 19, 2020 |
| Instrument | 5815/1573 |
| Name | CALIBER HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2050 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Dec 17, 2019 |
| Property Address | 1021 MONROE AVE, SAINT CLOUD, FL 34769-6712 |
| Document Number | 0056421504 |
| Book / Page | 005642 / 001504 |
| Instrument Date | Dec 03, 2019 |
| Instrument | 163750 |
| Transaction Type | Foreclosure |
| Record Updated | Jan 10, 2020 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Association |
| Address | 14405 WALTERS RD #200 HOUSTON TX 770141345, 200, HOUSTON, TX 77014-1345 |
| Investor | Possibly a Property Investor |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 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 | $3,474.00 (+5.75%) | $222,900 (+14.19%) Land $35,000 Building $187,900 | $222,900 (+14.19%) Land $35,000 Building $187,900 |
| 2024 | $3,285.00 (+11.13%) | ||
| 2023 | $2,956.00 (+10.63%) | $195,200 (+11.99%) Land $14,900 Building $180,300 | $195,200 (+11.99%) Land $14,900 Building $180,300 |
| 2022 | $2,672.00 | $174,300 Land $14,900 Building $159,400 | $174,300 Land $14,900 Building $159,400 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 29 individual policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 35 units insured incl. 6 condo units |
| Wildfire Risk | Low lower than 99.8% of the US · lower than 99.7% of Florida |
|---|---|
| Wildfire Likelihood | Under 0.01% 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) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Starlink Satellite | 280 / 30 |
May also be available: AT&T, Lumen Technologies.
Based on FCC filings for 263 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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