Osceola County property record for 1110 Virginia Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 812 sqft · built 1935 |
| Lot Size | 0.169 acres (7,405 sqft) |
| Owner | Individual Name on File |
| Last Sale | $272,000 (Sep 2025) |
| Tax Bill | $463 (2025) |
| Deeds & Mortgages | Sep 2025 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 78069 |
| Primary APN | 78069 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 812 sqft Heated Area |
| Gross Area | 1,539 sqft |
| 1st Floor Area | 812 sqft |
| Flooring | Wood |
| Interior Walls | Plaster |
| Year Built | Built 1935 |
|---|---|
| Effective Year Built | Effective 1960 |
| Exterior Material | Aluminum Siding |
| Foundation Type | Pier/Post & Beam |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 7,405 sqft (0.169 acres) |
| Lot Dimensions | 150 ft deep x 50 ft wide |
| Porch | Enclosed Porch |
|---|---|
| Porch Area | 652 sqft |
| Shed | 1 Shed |
| Shed Area | 80 sqft |
| Cooling System | Central |
|---|
| Account Number | 78069 |
|---|---|
| Street Address | 1110 VIRGINIA AVE |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-3841 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR2 |
| Legal Description | ST CLOUD PB B PG 34 BLK 181 LOTS 5 & 6 1/26/30 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD |
| Legal Tract | 1 |
| Legal Block | 181 |
| Legal Lot Number | 1,5-6 6 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 4 |
| Census Block | 4013 |
| Census Tract | 43500 |
1110 Virginia Ave is owned and occupied by an individual who bought it in September 2025.
Source: Osceola County records, as of December 11, 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 Record | Individual Name on File |
|---|---|
| Mailing Address | 1110 VIRGINIA AVE, SAINT CLOUD, FL 34769-3841 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 5, 2025 · Amount on File |
| Deed Sale | Sep 5, 2025 · Amount on File |
| Prior Sale | Jul 25, 2013 · Amount on File |
| Deed Document Number | 2025110917 |
| Deed Book / Page | 6845 / 1726 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Sep 5, 2025 |
| Property Address | 1110 VIRGINIA AVE, SAINT CLOUD, FL 34769-3841 |
| Document Number | 0068451726 |
| Book / Page | 6845 / 1726 |
| Map Reference | MB B PG 34 |
| Instrument Date | Sep 4, 2025 |
| Instrument | 2025110917 |
| Transaction Type | Transfer |
| Record Updated | Sep 29, 2025 |
| Title Company | INVESTOR TITLE INSURANCE COMPANY, INVESTORS TITLE INS COMPANY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,904.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6551 N ORANGE BLOSSOM TRL # TRL209-28, TRL209-28, MOUNT DORA, FL 32757-7013 |
| Name | Verified Name |
|---|---|
| Address | 1110 VIRGINIA AVE, SAINT CLOUD, FL 34769-3841 |
| Document Number | 0068451728 |
|---|---|
| Date | Sep 5, 2025 |
| Instrument | 6845/1728 |
| Name | LEADERONE FINANCIAL CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2055 |
The 2025 property tax bill for 1110 Virginia Ave was $463 with a homeowner's exemption, up 2% from the year before.
Source: Osceola County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $463.00 (+1.98%) Homeowner's exemption | $52,187 (+2.9%) | $139,100 (+1.83%) Land $46,800 Building $92,300 |
| 2024 | $454.00 (+3.18%) Homeowner's exemption | $50,717 (+3%) | $136,600 (+10.61%) Land $46,800 Building $89,800 |
| 2023 | $440.00 (+6.02%) Homeowner's exemption | $49,240 (+3%) | $123,500 (+15.85%) Land $42,500 Building $81,000 |
| 2022 | $415.00 Homeowner's exemption | $47,806 | $106,600 Land $35,100 Building $71,500 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 1110 Virginia Ave in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1983.
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 File median of 15 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 15 in force |
| Nearby Flood Claims | 2 (1983–2003) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Aug 2003 · tidal / storm surge |
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 risk around 1110 Virginia 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 Risk | Low lower than 94% of the US · lower than 95% of Florida |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 458 locations within half a mile, as of December 31, 2025
| Provider | Max 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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