Osceola County property record for 1102 Florida Ave, Saint Cloud, FL 34769 · Last verified August 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bathrooms | 1 Baths |
| Year Built | Built 1978 |
| Square Footage | 1,437 sqft Living Area |
| Lot Size | 3,484 sqft (0.08 acres) |
| Garage | Detached, 400 sqft |
| Occupancy | Owner Occupied |
| Last Sale | $277,000 (2022) |
| Tax Bill | $2,563.00 (2025) |
| Primary APN | 01-26-30-0001-0186-0010 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1 Baths |
|---|---|
| Building Area | 1,437 sqft Living Area |
| Gross Area | 1,507 sqft Gross Area |
| 1st Floor | 1,037 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Wood Flooring |
| Interior Structure | Plaster Interior Structure |
| Year Built | Built 1925 |
|---|---|
| Effective Year Built | Effective 1978 |
| Architectural Style | Conventional Style |
| Exterior Material | Concrete Block Exterior |
| Construction Type | Masonry/Concrete Masonry Units (CMUs) Construction |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 3,484 sqft (0.08 acres) |
| Depth X Width | 70 ft x 50 ft Depth x Width |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Detached Garage |
| Garage Area | 400 sqft Garage |
| Porch Area | 70 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 1102 FLORIDA AVE |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-3720 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | ST CLOUD PB B PG 34 BLK 186 E 1/2 LOTS 1 & 2 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 | 186 |
| Legal Lot Number | 1 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 2 |
| Census Block | 2010 |
| Census Tract | 43500 |
Source: Osceola County records · APN 01-26-30-0001-0186-0010
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 | 1102 FLORIDA AVE, SAINT CLOUD, FL 34769-3720 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jan 14, 2022 | Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage WATERSTONE MORTGAGE CORP |
| Jul 30, 2018 | Deed of Trust, Mortgage · Conventional Mortgage ROYAL UNITED MORTGAGE LLC |
| Oct 11, 2018 | Warranty Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jan 14, 2022 · Amount on Record |
| Deed Sale | Jan 14, 2022 · Amount on Record |
| Prior Sale | Jan 14, 2022 · Amount on Record |
| Deed Doc Number | 20227732 |
| Deed Book / Page | 6129 / 1421 |
| Prior Transfer Date | Oct 01, 2018 |
| Prior Transfer Doc | 0054161049 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jan 14, 2022 |
| Property Address | 1102 FLORIDA AVE, SAINT CLOUD, FL 34769-3720 |
| Document Number | 0061291421 |
| Book / Page | 6129 / 1421 |
| Map Reference | MB B PG 33&34 |
| Instrument Date | Jan 12, 2022 |
| Instrument | 2022007732 |
| Transaction Type | Transfer |
| Record Updated | Jan 31, 2022 |
| Title Company | LAND TITLE CORPORATION, LAND TITLE PROFESSIONALS LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,939.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3336 CORD AVE, 3336, SAINT CLOUD, FL 34772-8130 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenant/Joint Tenant w/ Right Of Survivorship |
| Address | 1102 FLORIDA AVE, SAINT CLOUD, FL 34769-3720 |
| Document Number | 0061291423 |
|---|---|
| Date | Jan 14, 2022 |
| Instrument | 6129/1423 |
| Name | WATERSTONE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1102 FLORIDA AVE, SAINT CLOUD, FL 34769-3720 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0053750653 |
|---|---|
| Date | Jul 30, 2018 |
| Book Page | 5375/0653 |
| Instrument | 2018115520 |
| Name | ROYAL UNITED MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | INDIANAPOLIS, IN 46250 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Aug 01, 2043 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Oct 11, 2018 |
| Property Address | 1102 FLORIDA AVE, SAINT CLOUD, FL 34769-3720 |
| Document Number | 0054161049 |
| Book / Page | 005416 / 001049 |
| Instrument Date | Oct 01, 2018 |
| Instrument | 153063 |
| Transaction Type | Transfer |
| Record Updated | Oct 25, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.70 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Life Estate |
| Address | 1102 FLORIDA AVE ST CLOUD FL 347693720, ST CLOUD, FL 34769-3720 |
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 is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,563.00 (+2.85%) | $143,000 (+7.12%) Land $33,100 Building $109,900 | $143,000 (+7.12%) Land $33,100 Building $109,900 |
| 2024 | $2,492.00 (+3.49%) | ||
| 2023 | $2,408.00 (+53.87%) | $133,500 (+29.49%) Land $27,600 Building $105,900 | $133,500 (+29.49%) Land $27,600 Building $105,900 |
| 2022 | $1,565.00 | $103,100 Land $23,000 Building $80,100 | $103,100 Land $23,000 Building $80,100 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
Source: NPS National Register of Historic Places · August 1, 2026 release · Last verified October 2026
| Historic District | Within the St. Cloud Downtown Historic District listed 2023 · 177 contributing resources · NRIS 100009031 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
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