Osceola County property record for 1118 Virginia Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 988 sqft · built 1985 |
| Lot Size | 0.169 acres (7,405 sqft) |
| Owner | Individual Name on File |
| Last Sale | $275,000 (Dec 2022) |
| Tax Bill | $2,962 (2025) |
| Deeds & Mortgages | Dec 2022 Sale & Mortgage Oct 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 78071 |
| Primary APN | 78071 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 988 sqft Heated Area |
| Gross Area | 1,388 sqft |
| 1st Floor Area | 988 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1990 |
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| 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 |
| Garage Type | Finished |
| Garage Area | 288 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
| Porch Area | 112 sqft |
| Fence | Fence |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 78071 |
|---|---|
| Street Address | 1118 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 9 & 10 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 | 1,9-10 10 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 4 |
| Census Block | 4013 |
| Census Tract | 43500 |
1118 Virginia Ave is owned and occupied by an individual who bought it in December 2022.
Source: Osceola County records, as of December 11, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 1118 VIRGINIA AVE, SAINT CLOUD, FL 34769-3841 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Dec 30, 2022 | Warranty Deed, Transfer · FHA Mortgage TOWN SQUARE MORTGAGE & INVESTMENTS |
| Oct 15, 2020 | Deed of Trust, Mortgage · FHA Mortgage CALIBER HOME LOANS INC |
| Nov 21, 2019 | Warranty Deed, Transfer · FHA Mortgage MORTGAGE FIRM |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 30, 2022 · Amount on File |
| Deed Sale | Dec 30, 2022 · Amount on File |
| Prior Sale | Nov 21, 2019 · Amount on File |
| Deed Document Number | 0063372318 |
| Deed Book / Page | 6337 / 2318 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Dec 30, 2022 |
| Property Address | 1118 VIRGINIA AVE, SAINT CLOUD, FL 34769-3841 |
| Document Number | 0063372318 |
| Book / Page | 6337 / 2318 |
| Map Reference | MB B PG 33&34 |
| Instrument Date | Dec 30, 2022 |
| Instrument | 2022185734 |
| Transaction Type | Transfer |
| Record Updated | Jan 16, 2023 |
| Title Company | LAND TITLE CORPORATION, LAND TITLE PROFESSIONALS LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,925.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1118 VIRGINIA AVE, SAINT CLOUD, FL 34769-3841 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1118 VIRGINIA AVE, SAINT CLOUD, FL 34769-3841 |
| Document Number | 0063372320 |
|---|---|
| Date | Dec 30, 2022 |
| Instrument | 6337/2320 |
| Name | TOWN SQUARE MORTGAGE & INVESTMENTS |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1118 VIRGINIA AVE, SAINT CLOUD, FL 34769-3841 |
| Transaction Type | Mortgage |
| Record Updated | May 2, 2022 |
| Title Company | FIRST AMERICAN MORTGAGE SLN |
| Name | Verified Name |
|---|---|
| Address | 1118 VIRGINIA AVE, SAINT CLOUD, FL 34769-3841 |
| Document Number | 0058131076 |
|---|---|
| Date | Oct 15, 2020 |
| Book Page | 5813/1076 |
| Instrument | 2020139484 |
| Name | CALIBER HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Nov 21, 2019 |
| Property Address | 1118 VIRGINIA AVE, SAINT CLOUD, FL 34769-3841 |
| Document Number | 0056272596 |
| Book / Page | 005627 / 002596 |
| Instrument Date | Nov 14, 2019 |
| Instrument | 151903 |
| Transaction Type | Transfer |
| Record Updated | Dec 6, 2019 |
| Title Company | QUALITY TITLE AND ESCROW LLC, QUALITY TITLE & ESCROW LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,218.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1118 VIRGINIA AVE ST CLOUD FL 347693841, ST CLOUD, FL 34769-3841 |
| Document Number | 56272598 |
|---|---|
| Date | Nov 21, 2019 |
| Book Page | 005627/002598 |
| Instrument | 151904 |
| Name | MORTGAGE FIRM |
|---|---|
| Type | Mortgage Company |
| Address | ALTAMONTE SPRINGS, FL 32714 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 20, 2049 |
The 2025 property tax bill for 1118 Virginia Ave was $2,962 with a homeowner's exemption.
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 | $2,962.00 Homeowner's exemption | $208,411 | $220,100 Land $46,800 Building $173,300 |
| 2023 | $2,752.00 (+71.89%) Homeowner's exemption | $195,000 (+48.89%) Land $42,500 Building $152,500 | $195,000 (+18.25%) Land $42,500 Building $152,500 |
| 2022 | $1,601.00 Homeowner's exemption | $130,969 | $164,900 Land $35,100 Building $129,800 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 1118 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 1118 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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