1025 Vermont Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 1025 Vermont Ave, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,200 sqft · built 1979
Lot Size	0.258 acres (11,238 sqft)
Owner	2 Individual Names on File
Last Sale	$270,000 (Aug 2021)
Tax Bill	$2,147 (2025)
Deeds & Mortgages	Sep 2026 Sale Jun 2023 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`01-26-30-0001-0154-0160`

Property Details

APN / Parcel Number

Primary APN	`01-26-30-0001-0154-0160`
Alternative APNs	`263001000101540160` `77819`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,200 sqft Living Area
Gross Area	1,720 sqft
1st Floor Area	1,200 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1979
Effective Year Built	Effective 2002
Architectural Style	Conventional
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	11,238 sqft (0.258 acres)
Lot Dimensions	150 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	228 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	196 sqft
Shed	1 Shed
Shed Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	1025 VERMONT AVE
City	SAINT CLOUD
State	FL
Zip	34769-3626
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR2
Legal Description	ST CLOUD PB B PG 34 BLK 154 LOTS 16, 17 & 18 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	154
Legal Lot Number	16
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2030
Census Tract	43400

Owner

1025 Vermont Ave is owned by two individuals who acquired it in September 2025.

Source: Osceola County records, as of October 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	145 DUNE LN, COCOA, FL 32927-6073
Owner Type	Individual
Vesting	Remainderman

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 18, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
Jun 7, 2023	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Aug 16, 2021	Warranty Deed, Transfer · Conventional Mortgage SUMMIT MORTGAGE CORP
Jun 22, 2020	Warranty Deed, Transfer · VA Mortgage MORTGAGE FIRM
Jun 26, 2017	Warranty Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 16, 2021 · Amount on File
Deed Sale	Aug 16, 2021 · Amount on File
Prior Sale	Jun 22, 2020 · Amount on File
Deed Document Number	2021126523
Deed Book / Page	6023 / 790
Last Transfer Date	Sep 17, 2025
Transfer Doc	0000121404
Record Updated	Oct 29, 2026

September 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 18, 2026
Property Address	1025 VERMONT AVE, SAINT CLOUD, FL 34769-3626
Document Number	0000121404
Book / Page	7036 / 2384
Instrument Date	Sep 17, 2025
Instrument	2026121404
Transaction Type	Transfer
Record Updated	Oct 8, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Tax	$70.70
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Remainderman
Address	145 DUNE LN, COCOA, FL 32927-6073

June 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Jun 7, 2023
Property Address	1025 VERMONT AVE, SAINT CLOUD, FL 34769-3626
Document Number	0064202573
Book / Page	6420 / 2573
Map Reference	MB B PG 33
Instrument Date	Jun 7, 2023
Instrument	2023073445
Transaction Type	Transfer
Record Updated	Jun 19, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1025 VERMONT AVE, SAINT CLOUD, FL 34769-3626

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	145 DUNE LN, COCOA, FL 32927-6073

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 16, 2021
Property Address	1025 VERMONT AVE, SAINT CLOUD, FL 34769-3626
Document Number	0060230790
Book / Page	6023 / 790
Map Reference	MB B PG 33
Instrument Date	Aug 13, 2021
Instrument	2021126523
Transaction Type	Transfer
Record Updated	Aug 30, 2021
Title Company	STEWART TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,890.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2420 HERON CT, 2420, SAINT CLOUD, FL 34771-9512

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1025 VERMONT AVE, SAINT CLOUD, FL 34769-3626

Mortgage

Document Number	6023791
Date	Aug 16, 2021
Instrument	6023/791

Lender

Name	SUMMIT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 22, 2020
Property Address	1025 VERMONT AVE, SAINT CLOUD, FL 34769-3626
Document Number	0057411652
Book / Page	005741 / 001652
Instrument Date	Jun 19, 2020
Instrument	79966
Transaction Type	Transfer
Record Updated	Jul 29, 2020
Title Company	STEWART TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,568.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1025 VERMONT AVE ST CLOUD FL 347693626, ST CLOUD, FL 34769-3626

Mortgage

Document Number	57411653
Date	Jun 22, 2020
Book Page	005741/001653
Instrument	79967

Lender

Name	MORTGAGE FIRM
Type	Mortgage Company
Address	ALTAMONTE SPRINGS, FL 32714

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 21, 2050

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 26, 2017
Property Address	1025 VERMONT AVE, SAINT CLOUD, FL 34769-3626
Document Number	0051700175
Book / Page	5170 / 0175
Map Reference	MB B PG33&34
Instrument Date	Jun 23, 2017
Instrument	2017093124
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	STEWART TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,260.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	14284 JOEL CT, 14284, LARGO, FL 33774-5108

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1025 VERMONT AVE, SAINT CLOUD, FL 34769-3626

Mortgage

Document Number	0051700176
Date	Jun 26, 2017
Instrument	5170/0176

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 1025 Vermont Ave was $2,147, up 3.8% from the year before.

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

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Municipality	St. Cloud City
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,147.00 (+3.77%)	$162,837	$289,900 Land $55,000 Building $234,900
2024	$2,069.00 (+3.04%)
2023	$2,008.00 (+4.1%) Homeowner's exemption	$153,639 (+3%)	$264,500 (+10.39%) Land $50,000 Building $214,500
2022	$1,929.00 Homeowner's exemption	$149,165	$239,600 Land $45,000 Building $194,600

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1025 Vermont Ave in Zone X, an area of minimal flood risk.

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 File median of 18 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	18 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

Wildfire risk around 1025 Vermont Ave is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 96% of the US · lower than 96% of Florida
Wildfire Likelihood	0.01% annual chance
Exposure	None 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 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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 439 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	8,000 / 8,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Hotwire Communications.

Nearby Properties on Vermont Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures