1110 Monroe Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 1110 Monroe Ave, Saint Cloud, FL 34769 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,304 sqft · built 1986
Lot Size	0.08 acres (3,484 sqft)
Owner	Individual Name on File
Last Sale	$88,000 (Mar 2013)
Tax Bill	$557 (2025)
Deeds & Mortgages	Feb 2026 Reverse Mortgage Sep 2025 Transfer + 1 more
Flood Zone	Zone X (moderate risk)
APN	`04-26-30-0042-0001-0430`

Property Details

APN / Parcel Number

Primary APN	`04-26-30-0042-0001-0430`
Alternative APNs	`263004004200010430` `82190`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,304 sqft Living Area
Gross Area	1,846 sqft
1st Floor Area	1,304 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

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	3,484 sqft (0.08 acres)
Garage Type	Attached
Garage Area	384 sqft
Parking Spaces	1 Parking Space
Porch	Florida Room
Porch Area	158 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	1110 MONROE AVE
City	SAINT CLOUD
State	FL
Zip	34769-6713
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	REPLAT OF PALAMAR OAKS VILLAGE PB 7 PG 148 LOT 43
Legal Range	30E
Legal Township	26S
Legal Section	04
Legal Subdivision	PALAMAR OAKS VLG REPLAT
Legal Tract	42
Legal Block	430
Legal Lot Number	43
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1000
Census Tract	43208

Owner

Source: Osceola County records · APN 04-26-30-0042-0001-0430

Assessment roll updated November 26, 2025 · Last verified April 2026

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
Mailing Address	1110 MONROE AVE, SAINT CLOUD, FL 34769-6713
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Feb 18, 2026	Deed of Trust, Mortgage · Reverse Mortgage LUMINATE BANK
Sep 15, 2025	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Apr 12, 2017	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Mar 14, 2013 · Amount on Record
Deed Sale	Mar 14, 2013 · Amount on Record
Deed Document Number	201342674
Deed Book / Page	4411 / 2768
Prior Transfer Date	Feb 12, 2007
Prior Transfer Doc	0034071834
Record Updated	Jun 08, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1110 MONROE AVE, SAINT CLOUD, FL 34769-6713
Transaction Type	Mortgage
Record Updated	Mar 03, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1110 MONROE AVE, SAINT CLOUD, FL 34769-6713

Mortgage

Document Number	0069250207
Date	Feb 18, 2026
Book Page	6925/207
Instrument	2026022912

Lender

Name	LUMINATE BANK
Type	Bank
Address	MINNEAPOLIS, MN 55405

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	896 Months
Due	Oct 26, 2100

September 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Sep 15, 2025
Property Address	1110 MONROE AVE, SAINT CLOUD, FL 34769-6713
Document Number	0068490501
Book / Page	6849 / 501
Map Reference	MB 7 PG 148
Instrument Date	Sep 11, 2025
Instrument	2025114031
Transaction Type	Transfer
Record Updated	Nov 10, 2025
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1110 MONROE AVE, SAINT CLOUD, FL 34769-6713

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1110 MONROE AVE, SAINT CLOUD, FL 34769-6713

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1110 MONROE AVE, SAINT CLOUD, FL 34769-6713
Document Number	0051382665
Instrument Date	Apr 12, 2017
Transaction Type	Mortgage
Record Updated	Aug 21, 2018
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1110 MONROE AVE ST CLOUD FL 347696713, ST CLOUD, FL 34769-6713

Mortgage

Document Number	0051382665
Date	Apr 27, 2017
Book Page	005138/002665
Instrument	62565

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Apr 26, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 2026

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	$557.00 (+7.12%)	$90,669 (+2.9%)	$236,000 (-2.07%) Land $35,000 Building $201,000
2024	$520.00 (+7.66%) Homeowner's exemption Senior Citizen's exemption Widower's exemption	$88,114 (+3%)	$241,000 (+15.98%) Land $35,000 Building $206,000
2023	$483.00 (-34.46%) Homeowner's exemption Senior Citizen's exemption Widower's exemption	$85,548 (+3%)	$207,800 (+12.08%) Land $14,900 Building $192,900
2022	$737.00 Homeowner's exemption	$83,057	$185,400 Land $14,900 Building $170,500

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970432081, refreshed September 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
Special Flood Hazard Area	No
Flood Hazard	Moderate
500-Year Floodplain	Yes
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Cost	Premium on Record median of 29 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	35 units insured 6 under condo master policies

Wildfire

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; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 350 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000
Lumen Technologies	DSL	140 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: T-Mobile USA, Verizon, Lumen Technologies, Hotwire Communications, Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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