Osceola County property record for 1109 Monroe Ave, Saint Cloud, FL 34769 · Last verified August 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 2 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 1986 |
| Square Footage | 954 sqft Living Area |
| Lot Size | 4,486 sqft (0.103 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $125,000 (2005) |
| Tax Bill | $571.00 (2024) |
| Primary APN | 04-26-30-0042-0001-0070 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 954 sqft Living Area |
| Gross Area | 1,236 sqft Gross Area |
| 1st Floor Area | 954 sqft 1st Floor |
| Stories | 1 Story |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Architectural Style | Conventional |
| Exterior Material | Brick |
| Construction Type | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 4,486 sqft (0.103 acres) |
| Porch | Florida Room |
| Porch Area | 453 sqft Porch |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 1109 MONROE AVE |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-6714 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | REPLAT OF PALAMAR OAKS VILLAGE PB 7 PG 148 LOT 7 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 04 |
| Legal Subdivision | PALAMAR OAKS VLG REPLAT |
| Legal Tract | 42 |
| Legal Block | 70 |
| Legal Lot Number | 7 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 43208 |
Source: Osceola County records · APN 04-26-30-0042-0001-0070
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 | Company Name on File |
|---|---|
| Mailing Address | 1109 MONROE AVE, SAINT CLOUD, FL 34769-6714 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Unmarried Woman |
| Date | Document |
|---|---|
| Feb 24, 2023 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Jul 15, 2022 | Intrafamily Transfer, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jun 28, 2005 · Amount on Record |
| Deed Sale | Jun 28, 2005 · Amount on Record |
| Prior Sale | Apr 17, 2003 · Amount on Record |
| Deed Document Number | 2005148198 |
| Deed Book / Page | 2825 / 1212 |
| Last Transfer Date | Jul 08, 2022 |
| Transfer Doc | 0062520378 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1109 MONROE AVE, SAINT CLOUD, FL 34769-6714 |
| Transaction Type | Mortgage |
| Record Updated | Mar 09, 2023 |
| Name | Verified Name |
|---|---|
| Address | 1109 MONROE AVE, SAINT CLOUD, FL 34769-6714 |
| Document Number | 0063621519 |
|---|---|
| Date | Feb 24, 2023 |
| Book Page | 6362/1519 |
| Instrument | 2023022070 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2053 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jul 15, 2022 |
| Property Address | 1109 MONROE AVE, SAINT CLOUD, FL 34769-6714 |
| Document Number | 0062520378 |
| Book / Page | 6252 / 378 |
| Map Reference | MB 7 PG 148 |
| Instrument Date | Jul 08, 2022 |
| Instrument | 2022109475 |
| Transaction Type | Transfer |
| Record Updated | Jul 29, 2022 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1109 MONROE AVE, 1109, SAINT CLOUD, FL 34769-6714 |
| Name | Verified Name |
|---|---|
| Address | 1109 MONROE AVE, SAINT CLOUD, FL 34769-6714 |
| Document Number | 0006252381 |
|---|---|
| Date | Jul 15, 2022 |
| Instrument | 6252/381 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 01, 2052 |
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 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 | $583.00 (+2.1%) Homeowner's exemption | $74,795 (+5.99%) | $197,100 (+15.67%) Land $35,000 Building $162,100 |
| 2024 | $571.00 (+0.71%) | ||
| 2023 | $567.00 (+1.98%) Homeowner's exemption | $70,571 (+3%) | $170,400 (+11.81%) Land $14,900 Building $155,500 |
| 2022 | $556.00 Homeowner's exemption | $68,516 | $152,400 Land $14,900 Building $137,500 |
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 |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Wildfire Risk | Low above 5% of the US · above 4% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 4,348 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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