Osceola County property record for 1108 Virginia Ave, Saint Cloud, FL 34769 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 1 Baths |
| Year Built | Built 1965 |
| Square Footage | 1,484 sqft Heated Area |
| Lot Size | 7,405 sqft (0.169 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $250,000 (2022) |
| Tax Bill | $3,512.00 (2025) |
| Primary APN | 78068 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Baths |
| Building Area | 1,484 sqft Heated Area |
| Gross Area | 1,666 sqft Gross Area |
| 1st Floor | 910 sqft 1st Floor |
| Upper Floors | 350 sqft Upper Floors |
| Stories | 2 Stories |
| Primary Flooring | Tile Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1965 |
| Exterior Material | Vinyl Exterior |
| Foundation Type | Pier/Post & Beam Foundation |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Metal Roof |
| Lot Area | 7,405 sqft (0.169 acres) |
| Depth X Width | 150 ft x 50 ft Depth x Width |
| Fence | Fence |
|---|---|
| Shed | 1 Shed |
| Shed Area | 192 sqft Shed |
| Deck Area | 144 sqft Deck |
| Porch | Enclosed Porch |
| Porch Area | 406 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Account Number | 78068 |
|---|---|
| Street Address | 1108 VIRGINIA AVE |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-3841 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | ST CLOUD PB B PG 34 BLK 181 LOTS 3 & 4 1/26/30 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD |
| Legal Tract | 1 |
| Legal Block | 181 |
| Legal Lot Number | 1,3-4 4 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 4 |
| Census Block | 4013 |
| Census Tract | 43500 |
Source: Osceola County records · APN 78068
Assessment roll updated July 1, 2025 · Last verified December 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 1108 VIRGINIA AVE, SAINT CLOUD, FL 34769-3841 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Nov 08, 2023 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage M & T BANK |
| Aug 08, 2022 | Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage UNITED WHOLESALE MORTGAGE |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 08, 2022 · Amount on Record |
| Deed Sale | Aug 08, 2022 · Amount on Record |
| Prior Sale | Sep 09, 2004 · Amount on Record |
| Deed Doc Number | 2022121090 |
| Deed Book / Page | 6265 / 388 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1108 VIRGINIA AVE, SAINT CLOUD, FL 34769-3841 |
| Transaction Type | Mortgage |
| Record Updated | Dec 06, 2023 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 1108 VIRGINIA AVE, SAINT CLOUD, FL 34769-3841 |
| Document Number | 0065022405 |
|---|---|
| Date | Nov 08, 2023 |
| Book Page | 6502/2405 |
| Instrument | 2023147948 |
| Name | M & T BANK |
|---|---|
| Type | Bank |
| Address | GETZVILLE, NY 14068 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 346 Months |
| Due | Sep 01, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Aug 08, 2022 |
| Property Address | 1108 VIRGINIA AVE, SAINT CLOUD, FL 34769-3841 |
| Document Number | 0062650388 |
| Book / Page | 6265 / 388 |
| Map Reference | MB B PG 33&34 |
| Instrument Date | Aug 03, 2022 |
| Instrument | 2022121090 |
| Transaction Type | Transfer |
| Record Updated | Aug 23, 2022 |
| Title Company | NU WORLD TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,750.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6005 KEYSTONE POINTE DR, 6005, SAINT CLOUD, FL 34772-6531 |
| Name | Verified Name |
|---|---|
| Address | 1108 VIRGINIA AVE, SAINT CLOUD, FL 34769-3841 |
| Document Number | 0006265390 |
|---|---|
| Date | Aug 08, 2022 |
| Instrument | 6265/390 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2052 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,512.00 (+12.46%) | $196,000 (+13.16%) Land $46,800 Building $149,200 | $196,000 (+13.16%) Land $46,800 Building $149,200 |
| 2023 | $3,123.00 (+29.21%) | $173,200 (+29.35%) Land $42,500 Building $130,700 | $173,200 (+29.35%) Land $42,500 Building $130,700 |
| 2022 | $2,417.00 | $133,900 Land $35,100 Building $98,800 | $133,900 Land $35,100 Building $98,800 |
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.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures