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1109 Minnesota Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 1109 Minnesota Ave, Saint Cloud, FL 34769

Property Summary

Property TypeSingle Family Home
Details2 bd · 1 ba · 718 sqft · built 1925
Lot Size0.161 acres (7,013 sqft)
Owner2 Individual Names on File
Last Sale$230,000 (Feb 2025)
Tax Bill$2,498 (2025)
Deeds & MortgagesFeb 2025 Sale & Mortgage
Jan 2021 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN01-26-30-0001-0190-0190

Property Details

APN / Parcel Number

Primary APN01-26-30-0001-0190-0190
Alternative APNs
  • 263001000101900190
  • 78170

Interior

Bedrooms2 Beds
Full Baths1 Bath
Stories1 Story
Building Area718 sqft Living Area
Gross Area1,298 sqft
1st Floor Area718 sqft
FlooringWood
Interior WallsPlaster

Exterior

Year BuiltBuilt 1925
Effective Year BuiltEffective 1990
Architectural StyleConventional
Exterior MaterialAluminum Siding
Construction TypeFrame
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area7,013 sqft (0.161 acres)
Lot Dimensions140 ft deep x 0.5 ft wide
Garage TypeCarport
Garage Area200 sqft
CarportCarport
Carport Area200 sqft
Parking Spaces1 Parking Space

Exterior Amenities

PorchFlorida Room
Porch Area380 sqft
Shed1 Shed
Shed Area120 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address1109 MINNESOTA AVE
CitySAINT CLOUD
StateFL
Zip34769-3651
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeSCB2
Legal DescriptionST CLOUD PB B PG P34 BLK 190 LOTS 19 & 20 2-26-30
Legal Range30E
Legal Township26S
Legal Section01
Legal SubdivisionST CLOUD 2ND PLAT TOWN OF
Legal Tract1
Legal Block190
Legal Lot Number19
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1032
Census Tract43400

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic DistrictWithin 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.

Owner

1109 Minnesota Ave is owned and occupied by two individuals who bought it in February 2025.

Source: Osceola County records, as of November 26, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record2 Individual Names on File
Mailing Address1109 MINNESOTA AVE, SAINT CLOUD, FL 34769-3651
OccupancyOwner Occupied
Owner TypeIndividual
VestingMarried Couple

Deeds, Mortgages & Sale History

DateDocument
Feb 17, 2025Warranty Deed, Transfer · Conventional Mortgage
CLM MORTGAGE INC
Jan 15, 2021Warranty Deed, Transfer · Conventional Mortgage
FBC MORTGAGE LLC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleFeb 17, 2025 · Amount on File
Deed SaleFeb 17, 2025 · Amount on File
Prior SaleJan 15, 2021 · Amount on File
Deed Document Number202520499
Deed Book / Page6741 / 1853
Prior Transfer DateJan 10, 1997
Prior Transfer Doc0013750181
Record UpdatedOct 29, 2026

February 2025: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateFeb 17, 2025
Property Address1109 MINNESOTA AVE, SAINT CLOUD, FL 34769-3651
Document Number0067411853
Book / Page6741 / 1853
Map ReferenceMB B PG 33&34
Instrument DateFeb 10, 2025
Instrument2025020499
Transaction TypeTransfer
Record UpdatedDec 12, 2025
Title CompanyFIDELITY NATIONAL TITLE OF F

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,610.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address2703 BUSHMAN DR, KISSIMMEE, FL 34746-7124

Transferred To (Grantee/Buyer)

NameVerified Name
Address1109 MINNESOTA AVE, SAINT CLOUD, FL 34769-3651

Mortgage

Document Number0067411855
DateFeb 17, 2025
Instrument6741/1855
Lender
NameCLM MORTGAGE INC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueMar 1, 2055

January 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateJan 15, 2021
Property Address1109 MINNESOTA AVE, SAINT CLOUD, FL 34769-3651
Document Number0058712563
Book / Page5871 / 2563
Map ReferenceMB B PG 33&34
Instrument DateJan 14, 2021
Instrument2021007206
Transaction TypeTransfer
Record UpdatedFeb 10, 2023
Title CompanySTEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,186.50
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1624 REGAL COVE CT, KISSIMMEE, FL 34744-6675

Transferred To (Grantee/Buyer)

NameVerified Name
Address1109 MINNESOTA AVE, SAINT CLOUD, FL 34769-3651

Mortgage

Document Number0058712564
DateJan 15, 2021
Instrument5871/2564
Lender
NameFBC MORTGAGE LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueFeb 1, 2051

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$2,498.00 (+3.69%)$182,441 (+11.52%)$185,400 (+13.33%) Land $60,000 Building $125,400
2024$2,409.00 (-16.93%)
2023$2,900.00 (+10.77%)$163,600 (+12.75%) Land $47,200 Building $116,400$163,600 (+12.75%) Land $47,200 Building $116,400
2022$2,618.00$145,100 Land $39,300 Building $105,800$145,100 Land $39,300 Building $105,800

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1109 Minnesota Ave in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 12 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies12 in force

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

Wildfire risk around 1109 Minnesota Ave is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 94% of the US · lower than 95% of Florida
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
beyond ember reach

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 SystemST. CLOUD, CITY OF (3 WPS)
serves 82,752 people · EPA ID FL3491373
Water SourceGroundwater
Last State InspectionJul 2025
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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 526 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
CenturyLink
Fiber		8,000 / 8,000
Spectrum
Cable · Fiber in parts of the area		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20
AT&T
Fixed Wireless		100 / 20

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