1051 Myrtle Ave, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1051 Myrtle Ave, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,031 sqft · built 2007
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual on Record
Last Sale	$330,000 (Jun 2021)
Tax Bill	$4,191 (2025)
Deeds & Mortgages	Jun 2021 Sale & Mortgage Aug 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0626312840000F0190`

Property Details

APN / Parcel Number

Primary APN	`0626312840000F0190`
Alternative APN	`96219`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,031 sqft Heated Area
Gross Area	2,550 sqft
1st Floor Area	2,031 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2007
Exterior Material	Aluminum Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,019 sqft (0.23 acres)
Lot Dimensions	135 ft deep x 75 ft wide
Garage Type	Finished
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	119 sqft
Patio Area	280 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	96219
Street Address	1051 MYRTLE AVE
City	SAINT CLOUD
State	FL
Zip	34771-4821
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ORS3
Legal Description	S L & I C PLAT OF COLORED QUARTER PB 1 PG 39 BLK F LOTS 19-21
Legal Range	31E
Legal Township	26S
Legal Section	06
Legal Subdivision	ARROWHEAD CNTRY EST
Legal Tract	2840
Legal Block	F
Legal Lot Number	19-21 20
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2039
Census Tract	43600

Owner

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 on Record
Co-owner	Co-owner on Record
Mailing Address	1051 MYRTLE AVE, SAINT CLOUD, FL 34771-4821
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 14, 2021	Warranty Deed, Transfer · Conventional Mortgage QUICKEN LOANS LLC
Aug 10, 2020	Warranty Deed, Transfer · VA Mortgage AMERIFIRST FINANCIAL CORP
Feb 15, 2018	Warranty Deed, Transfer · Conventional Mortgage PLATINUM MTG/LA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 14, 2021 · Amount on Record
Deed Sale	Jun 14, 2021 · Amount on Record
Prior Sale	Aug 10, 2020 · Amount on Record
Deed Document Number	2021091937
Deed Book / Page	5980 / 306
Record Updated	Jun 8, 2026

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 14, 2021
Property Address	1051 MYRTLE AVE, SAINT CLOUD, FL 34771-4821
Document Number	0059800306
Book / Page	5980 / 306
Map Reference	MB 1 PG 39
Instrument Date	Jun 8, 2021
Instrument	2021091937
Transaction Type	Transfer
Record Updated	Jul 6, 2021
Title Company	STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,310.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1051 MYRTLE AVE, 1051, SAINT CLOUD, FL 34771-4821

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1051 MYRTLE AVE, SAINT CLOUD, FL 34771-4821

Mortgage

Document Number	5980307
Date	Jun 14, 2021
Instrument	5980/307

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 10, 2020
Property Address	1051 MYRTLE AVE, SAINT CLOUD, FL 34771-4821
Document Number	0057711758
Book / Page	5771 / 1758
Map Reference	MB 1 PG 39
Instrument Date	Aug 7, 2020
Instrument	2020104919
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,170.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3461 MIDDLEBROOK PL, 3461, HARMONY, FL 34773-6056

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1051 MYRTLE AVE, SAINT CLOUD, FL 34771-4821

Mortgage

Document Number	0057711759
Date	Aug 10, 2020
Instrument	5771/1759

Lender

Name	AMERIFIRST FINANCIAL CORP
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 15, 2018
Property Address	1051 MYRTLE AVE, SAINT CLOUD, FL 34771-4821
Document Number	0052861509
Book / Page	005286 / 001509
Instrument Date	Feb 14, 2018
Instrument	26364
Transaction Type	Transfer
Record Updated	Mar 9, 2018
Title Company	STEWART TITLE

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1051 MYRTLE AVE ST CLOUD FL 347714821, ST CLOUD, FL 34771-4821

Mortgage

Document Number	52861510
Date	Feb 15, 2018
Book Page	005286/001510
Instrument	26365

Lender

Name	PLATINUM MTG/LA
Type	Mortgage Company
Address	MADISON, AL 35758

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 14, 2048

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 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	$4,191.00 (+6.13%) Homeowner's exemption	$277,064 (+5.99%)	$375,000 (+16.68%) Land $75,000 Building $300,000
2023	$3,949.00 (+3.54%) Homeowner's exemption	$261,414 (+3%)	$321,400 (+26.64%) Land $52,000 Building $269,400
2022	$3,814.00 Homeowner's exemption	$253,800 Land $52,000 Building $201,800	$253,800 Land $52,000 Building $201,800

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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 148 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	148 in force
Nearby Flood Claims	5 (2016–2022)
Most Recent Claim	Oct 2022 · Hurricane Ian
Claims by Event	Hurricane Irma, Sep 2017 · 2 claims

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 Risk	Low lower than 63% of the US · lower than 89% of Florida
Wildfire Likelihood	0.05% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 219 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	1,200 / 35
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

May also be available: CenturyLink, Verizon.

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