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1103 Jersey Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 1103 Jersey Ave, Saint Cloud, FL 34769 · Last verified April 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms2 Baths
Year BuiltBuilt 2003
Square Footage1,128 sqft Living Area
Lot Size7,492 sqft (0.172 acres)
OccupancyOwner Occupied
Last Sale$325,000 (2023)
Tax Bill$4,458.00 (2024)

Property Details

APN / Parcel Number

Primary APN01-26-30-0001-0194-0230
Alternative APNs
  • 263001000101940230
  • 78212

Interior

Bedrooms3 Beds
Full Baths2 Baths
Building Area1,128 sqft Living Area
Gross Area1,524 sqft Gross Area
1st Floor1,128 sqft 1st Floor
Stories1 Stories
Primary FlooringCarpet Flooring
Interior StructurePlaster Interior Structure
FireplaceFireplace
Fireplaces1 Fireplaces

Exterior

Year BuiltBuilt 1948
Effective Year BuiltEffective 2003
Architectural StyleConventional Style
Exterior MaterialConcrete Block Exterior
Construction TypeMasonry/Concrete Masonry Units (CMUs) Construction
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area7,492 sqft (0.172 acres)
Depth X Width150 ft x 50 ft Depth x Width
Garage TypeCarport Garage
Garage Area312 sqft Garage
CarportCarport
Carport Area312 sqft Carport
Shed1 Shed
Shed Area90 sqft Shed
Porch Area84 sqft Porch

Utilities and HVAC

Cooling SystemA/C Package Cooling
Heating SystemHVAC Heating

Location & Zoning

Street Address1103 JERSEY AVE
CitySAINT CLOUD
StateFL
Zip34769-3620
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionST CLOUD PB B PG 34 BLK 194 LOTS 23 & 24 2/26/30
Legal Range30E
Legal Township26S
Legal Section01
Legal SubdivisionST CLOUD 2ND PLAT TOWN OF
Legal Tract1
Legal Block194
Legal Lot Number23
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup2
Census Block2034
Census Tract43400

Owner

Source: Osceola County records · APN 01-26-30-0001-0194-0230

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 Record2 Individual Names on File
Mailing Address1103 JERSEY AVE, SAINT CLOUD, FL 34769-3620
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity
VestingHusband And Wife

Deeds, Mortgages & Sale History

DateDocument
Dec 06, 2023Warranty Deed, Transfer · Conventional Mortgage
SOUTH STATE BANK NA
Jun 23, 2022Intrafamily Transfer, Transfer · Conventional Mortgage
TRUIST BANK
Oct 20, 2017Warranty Deed, Transfer · Stand Alone Second Mortgage
FLORIDA HOUSING FINANCE CORP
May 22, 2017Trustee's Deed, Foreclosure

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleDec 06, 2023 · Amount on Record
Deed SaleDec 06, 2023 · Amount on Record
Prior SaleOct 20, 2017 · Amount on Record
Deed Doc Number2023158736
Deed Book / Page6514 / 1767
Prior Transfer DateJun 17, 2022
Prior Transfer Doc0062382171
Record RefreshedJun 08, 2026

December 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateDec 06, 2023
Property Address1103 JERSEY AVE, SAINT CLOUD, FL 34769-3620
Document Number0065141767
Book / Page6514 / 1767
Map ReferenceMB B PG 33&34
Instrument DateDec 04, 2023
Instrument2023158736
Transaction TypeTransfer
Record UpdatedJan 04, 2024
Title CompanyFIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$2,275.00
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address2172 CONTINENTAL ST, SAINT CLOUD, FL 34769-7068

Transferred To (Grantee/Buyer)

NameVerified Name
Address1103 JERSEY AVE, SAINT CLOUD, FL 34769-3620

Mortgage

Document Number0065141769
DateDec 06, 2023
Instrument6514/1769
Lender
NameSOUTH STATE BANK NA
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJan 01, 2054

June 2022: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionOSCEOLA FL
Recording DateJun 23, 2022
Property Address1103 JERSEY AVE, SAINT CLOUD, FL 34769-3620
Document Number0062382171
Book / Page6238 / 2171
Map ReferenceMB B PG 33&34
Instrument DateJun 17, 2022
Instrument2022098212
Transaction TypeTransfer
Record UpdatedJul 07, 2022
Title CompanyBRIDGETRUST TITLE GROUP

Transaction

Tax$0.00
Amount AccuracyZero or No Consideration Stated
Additional
  • Interfamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address1103 JERSEY AVE, 1103, SAINT CLOUD, FL 34769-3620

Transferred To (Grantee/Buyer)

NameVerified Name
Address1103 JERSEY AVE, SAINT CLOUD, FL 34769-3620

Mortgage

Document Number0062382173
DateJun 23, 2022
Instrument6238/2173
Lender
NameTRUIST BANK
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJul 01, 2052

October 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateOct 20, 2017
Property Address1103 JERSEY AVE, SAINT CLOUD, FL 34769-3620
Document Number0052272081
Book / Page5227 / 2081
Map ReferenceMB B PG33&34
Instrument DateOct 13, 2017
Instrument2017151214
Transaction TypeTransfer
Record UpdatedFeb 08, 2022
Title CompanyORLANDO TITLE SERVICES LLC

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$1,225.00
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address103 LAKEVIEW DR, 103, SAINT CLOUD, FL 34769-2536

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenant/Joint Tenant w/ Right Of Survivorship
Address1103 JERSEY AVE, SAINT CLOUD, FL 34769-3620

Mortgage

Document Number0052272099
DateOct 20, 2017
Instrument5227/2099
Lender
NameFLORIDA HOUSING FINANCE CORP
TypeFunding / Finance Company
Agreement
TypeStand Alone Second Mortgage
AmountAmount Recorded

Mortgage

Document Number0052272084
DateOct 20, 2017
Book Page5227/2084
Instrument2017151215
Lender
NameMOVEMENT MORTGAGE
TypeMortgage Company
AddressFORT MILL, SC 29707
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueNov 01, 2047

May 2017: Trustee's Deed, Foreclosure

Document TypeTrustee's Deed
JurisdictionOSCEOLA FL
Recording DateMay 22, 2017
Property Address1103 JERSEY AVE, SAINT CLOUD, FL 34769-3620
Document Number0051512688
Book / Page005151 / 002688
Instrument DateMay 10, 2017
Instrument74893
Transaction TypeForeclosure
Record UpdatedJul 04, 2017

Transaction

AmountAmount Recorded
Tax$665.00
Amount AccuracyConfirmed
Additional
  • Notice of Foreclosure Sale
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address103 LAKEVIEW DR ST CLOUD FL 347692536, ST CLOUD, FL 34769-2536

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 2026

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

YearTax BillAssessed ValueAssessed Market Value
2025$4,545.00 (+1.95%)$296,800 (+81.74%) Land $46,800 Building $250,000$296,800 (+9.68%) Land $46,800 Building $250,000
2024$4,458.00 (+104.31%)
2023$2,182.00 (+4%) Homeowner's exemption$163,312 (+3%)$270,600 (+11.77%) Land $42,500 Building $228,100
2022$2,098.00 Homeowner's exemption$158,556$242,100 Land $35,100 Building $207,000

Flood & Wildfire

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

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

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