1109 Ohio Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 1109 Ohio Ave, Saint Cloud, FL 34769 · Last verified December 2025

Property Highlights

Property Type	Residential > Single Family > Home
Bathrooms	1 Baths
Year Built	Built 1975
Square Footage	1,053 sqft Heated Area
Lot Size	6,970 sqft (0.16 acres)
Garage	Mixed, 300 sqft
Occupancy	Owner Occupied
Last Sale	$49,900 (1993)
Tax Bill	$543.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`78097`
Alternative APN	`012630000101840190`

Interior

Full Baths	1 Baths
Building Area	1,053 sqft Heated Area
Gross Area	1,495 sqft Gross Area
1st Floor	888 sqft 1st Floor
Stories	1 Stories
Primary Flooring	Carpet Flooring
Interior Structure	Plaster Interior Structure

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1975
Exterior Material	Concrete Block Exterior
Foundation Type	Footing Foundation
Roof Construction	Gable/Hip Roof Construction
Roof Material	Builtup (layered Asphalt) Roof
Lot Area	6,970 sqft (0.16 acres)
Depth X Width	140 ft x 50 ft Depth x Width
Parking Spaces	2 Parking Spaces
Garage Type	Mixed Garage
Garage Area	300 sqft Garage
Carport Area	446 sqft Carport

Exterior Amenities

Fence	Fence
Shed	1 Shed
Shed Area	288 sqft Shed
Porch	1 Porch
Porch Area	340 sqft Porch

Utilities and HVAC

Cooling System	Wall Unit Cooling
Heating System	Floor/Wall Furnace Heating

Location & Zoning

Account Number	78097
Street Address	1109 OHIO AVE
City	SAINT CLOUD
State	FL
Zip	34769-3745
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	ST CLOUD PB B PG 34 BLK 184 LOTS 19 & 20 2/26/30
Legal Range	30E
Legal Township	26S
Legal Section	01
Legal Subdivision	ST CLOUD
Legal Tract	1
Legal Block	184
Legal Lot Number	2,19-20 20
Jurisdiction	OSCEOLA FL
Minor Civil Division	ST. CLOUD
Census Blockgroup	4
Census Block	4016
Census Tract	43500

Owner

Source: Osceola County records · APN 78097

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	2 Individual Names on File
Co-owner	Verified Secondary Owner
Mailing Address	1109 OHIO AVE, SAINT CLOUD, FL 34769-3745
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 15, 1993 · Amount on Record
Deed Sale	Mar 15, 1993 · Amount on Record
Deed Doc Number	0011142089
Record Refreshed	Jun 08, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1109 OHIO AVE, SAINT CLOUD, FL 34769-3745
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0055990084
Date	Oct 02, 2019
Book Page	5599/0084
Instrument	2019127121

Lender

Name	BRANCH BANKING AND TRUST CO
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	298 Months
Due	Aug 26, 2044

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly (Revolving credit lines are monthly unless stated otherwise).

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Municipality	St. Cloud City
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

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	$543.00 (+2.65%) Homeowner's exemption	$67,408 (+5.99%)	$190,300 (+18.35%) Land $46,800 Building $143,500
2023	$529.00 (+1.93%) Homeowner's exemption	$63,601 (+3%)	$160,800 (+12.37%) Land $34,000 Building $126,800
2022	$519.00 Homeowner's exemption	$61,749	$143,100 Land $30,600 Building $112,500

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 Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

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.