1110 Minnesota Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 1110 Minnesota Ave, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	1 ba · 976 sqft · built 1910
Lot Size	0.16 acres (6,970 sqft)
Owner	Individual Name on Record
Last Sale	$199,000 (Feb 2022)
Tax Bill	$1,696 (2025)
Deeds & Mortgages	Feb 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`78174`

Property Details

APN / Parcel Number

Primary APN	`78174`
Alternative APN	`012630000101910050`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	976 sqft Heated Area
1st Floor Area	880 sqft
Flooring	Carpet
Interior Walls	Unfinished

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1970
Exterior Material	Aluminum Siding
Foundation Type	Pier/Post & Beam
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,970 sqft (0.16 acres)
Lot Dimensions	140 ft deep x 50 ft wide
Porch	Enclosed Porch
Porch Area	96 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	78174
Street Address	1110 MINNESOTA AVE
City	SAINT CLOUD
State	FL
Zip	34769-3652
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SCB2
Legal Description	ST CLOUD PB B PG 34 BLK 191 LOTS 5 & 6 2/26/30
Legal Range	30E
Legal Township	26S
Legal Section	01
Legal Subdivision	ST CLOUD DOWNTOWN BUSINESS DISTRICT
Legal Tract	1
Legal Block	191
Legal Lot Number	2,5-6 6
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1033
Census Tract	43400

Historic Designation

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

Historic District	Within 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

Source: Osceola County records, as of December 11, 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 Record
Mailing Address	1110 MINNESOTA AVE, SAINT CLOUD, FL 34769-3652
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 17, 2022 · Amount on Record
Deed Sale	Feb 17, 2022 · Amount on Record
Prior Sale	Apr 22, 2005 · Amount on Record
Deed Document Number	2022026721
Deed Book / Page	6152 / 2746
Record Updated	Jun 8, 2026

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 17, 2022
Property Address	1110 MINNESOTA AVE, SAINT CLOUD, FL 34769-3652
Document Number	0061522746
Book / Page	6152 / 2746
Map Reference	MB B PG 33
Instrument Date	Feb 14, 2022
Instrument	2022026721
Transaction Type	Transfer
Record Updated	Mar 2, 2022
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,393.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	120 BAILEY LN, 120, AUBURNDALE, FL 33823-8631

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1110 MINNESOTA AVE, SAINT CLOUD, FL 34769-3652

Mortgage

Document Number	0061522747
Date	Feb 17, 2022
Instrument	6152/2747

Lender

Name	PARAMOUNT RESIDENTIAL MORTGAGE GROU
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,696.00 (+7.34%) Homeowner's exemption	$137,677 (+5.99%)	$149,500 (+15.09%) Land $56,600 Building $92,900
2023	$1,580.00 (-9.09%) Homeowner's exemption	$129,900 (+18.85%) Land $47,200 Building $82,700	$129,900 (+18.85%) Land $47,200 Building $82,700
2022	$1,738.00	$109,300 Land $39,300 Building $70,000	$109,300 Land $39,300 Building $70,000

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

Flood

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 12 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	12 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

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

Wildfire Risk	Not rated no burnable land within 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 System	ST. CLOUD, CITY OF (3 WPS) serves 82,752 people · EPA ID FL3491373
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	2 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 470 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	8,000 / 8,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20