Osceola County property record for 109 Lavenna Ave, Saint Cloud, FL 34771
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3 ba · 2,768 sqft · built 2022 |
| Lot Size | 0.15 acres (6,534 sqft) |
| Owner | Individual Name on File |
| Last Sale | $475,200 (Aug 2022) |
| Tax Bill | $5,230 (2025) |
| Deeds & Mortgages | Aug 2022 Sale & Mortgage Mar 2022 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 212531497800012320 |
| Primary APN | 212531497800012320 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,768 sqft Heated Area |
| Gross Area | 3,950 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2022 |
|---|---|
| Exterior Material | Fiber Cement Siding |
| Construction Type | Frame |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 6,534 sqft (0.15 acres) |
| Garage Type | Finished |
| Porch | Open Porch |
| Fence | Fence |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 109 LAVENNA AVE |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-9419 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SIENA RESERVE PH 2A & 2B PB 29 PGS 42-47 LOT 232 |
| Legal Range | 31E |
| Legal Township | 25S |
| Legal Section | 21 |
| Legal Subdivision | SIENA RESERVE |
| Legal Phase | 2A |
| Legal Tract | 4978 |
| Legal Lot Number | 232 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1053 |
| Census Tract | 43700 |
109 Lavenna Ave is owned and occupied by an individual who bought it in August 2022.
Source: Osceola County records, as of December 11, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 109 LAVENNA AVE, SAINT CLOUD, FL 34771-9419 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Aug 31, 2022 | Special Warranty Deed, Transfer · Conventional Mortgage NVR MORTGAGE FINANCE INC |
| Mar 10, 2022 | Special Warranty Deed, Transfer NVR SETTLEMENT SERVICES INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 31, 2022 · Amount on File |
| Deed Sale | Aug 31, 2022 · Amount on File |
| Prior Sale | Mar 10, 2022 · Amount on File |
| Deed Document Number | 0006279147 |
| Deed Book / Page | 6279 / 147 |
| Record Updated | Jun 8, 2026 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Aug 31, 2022 |
| Property Address | 109 LAVENNA AVE, SAINT CLOUD, FL 34771-9419 |
| Document Number | 0062790147 |
| Book / Page | 6279 / 147 |
| Map Reference | MB 29 PG 42-47 |
| Instrument Date | Aug 31, 2022 |
| Instrument | 2022133691 |
| Transaction Type | Transfer |
| Record Updated | Dec 12, 2025 |
| Title Company | NVR SETTLEMENT SERVICES INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,326.40 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4307 VINELAND ROAD # RDH16, RDH16, ORLANDO, FL 32811-7178 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 109 LAVENNA AVE, SAINT CLOUD, FL 34771-9419 |
| Document Number | 0006279149 |
|---|---|
| Date | Aug 31, 2022 |
| Instrument | 6279/149 |
| Name | NVR MORTGAGE FINANCE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2052 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Mar 10, 2022 |
| Property Address | 109 LAVENNA AVE, SAINT CLOUD, FL 34771-9419 |
| Document Number | 0061690723 |
| Book / Page | 6169 / 723 |
| Map Reference | MB 29 PG 42-47 |
| Instrument Date | Feb 25, 2022 |
| Instrument | 2022039287 |
| Transaction Type | Transfer |
| Record Updated | Dec 12, 2025 |
| Title Company | NVR SETTLEMENT SERVICES INC |
| Amount | Amount on Record |
|---|---|
| Tax | $527.80 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 4098, MARYVILLE, TN 37802-4098 |
| Name | Verified Name |
|---|---|
| Address | 1409 TECH BLVD STE 202, 202, TAMPA, FL 33619-7830 |
| Investor | Possibly a Property Investor |
The 2025 property tax bill for 109 Lavenna Ave was $5,230 with a homeowner's exemption.
Source: Osceola County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,230.00 Homeowner's exemption | $366,939 | $443,700 Land $75,000 Building $368,700 |
| 2023 | $4,848.00 (+478.52%) Homeowner's exemption | $342,857 (+471.43%) | $420,400 (+600.67%) Land $70,000 Building $350,400 |
| 2022 | $838.00 | $60,000 Land $60,000 | $60,000 Land $60,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 109 Lavenna Ave in Zone X, an area of minimal flood risk, though there have been 18 flood claims nearby since 2004.
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 330 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 330 in force |
| Nearby Flood Claims | 18 (2004–2022) |
| Claims Outside the SFHA | 1 of 18 |
| Most Recent Claim | Oct 2022 · Hurricane Ian |
| Claims by Event |
|
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 risk around 109 Lavenna Ave is high, ranking above 82% of the US, with a 0.9% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 82% of the US · above 73% of Florida |
|---|---|
| Wildfire Likelihood | 0.9% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | TOHO WATER AUTHORITY-POINCIANA SYSTEM public/private · serves 69,447 people · EPA ID FL3494429 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2024 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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.
Source: FCC Broadband Data Collection, based on 216 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 | 1,000 / 1,000 |
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