Osceola County property record for 1123 Minnesota Ave, Saint Cloud, FL 34769 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 2 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 1970 |
| Square Footage | 2,170 sqft Heated Area |
| Lot Size | 10,454 sqft (0.239 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $150,000 (2020) |
| Tax Bill | $2,279.00 (2025) |
| Primary APN | 127464 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 2,170 sqft Heated Area |
| Gross Area | 2,250 sqft Gross Area |
| 1st Floor | 1,702 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 1970 |
|---|---|
| Exterior Material | Concrete Block Exterior |
| Foundation Type | Footing Foundation |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 10,454 sqft (0.239 acres) |
| Fence | Fence |
|---|---|
| Shed | 1 Shed |
| Shed Area | 64 sqft Shed |
| Porch | Enclosed Porch |
| Porch Area | 548 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Account Number | 127464 |
|---|---|
| Street Address | 1123 MINNESOTA AVE |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-3651 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | ST CLOUD PB B PG 34 BLK 190 LOTS 13-15 02-26-30 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD DOWNTOWN BUSINESS DISTRICT |
| Legal Tract | 1 |
| Legal Block | 190 |
| Legal Lot Number | 13 15 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 1 |
| Census Block | 1032 |
| Census Tract | 43400 |
Source: Osceola County records · APN 127464
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 | Individual Name on File |
|---|---|
| Mailing Address | 1123 MINNESOTA AVE, SAINT CLOUD, FL 34769-3651 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Nov 12, 2025 | Deed of Trust, Mortgage · Line of Credit SOUTH STATE BANK NATIONAL ASSOCIATION |
| Jun 01, 2021 | Deed of Trust, Mortgage · Line of Credit SOUTH STATE BANK NATIONAL ASSOCIATION |
| Jun 16, 2020 | Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage ATLANTIC BAY MORTGAGE GROUP LLC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jun 16, 2020 · Amount on Record |
| Deed Sale | Jun 16, 2020 · Amount on Record |
| Prior Sale | Apr 04, 2012 · Amount on Record |
| Deed Doc Number | 2020076931 |
| Deed Book / Page | 5738 / 540 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1123 MINNESOTA AVE, SAINT CLOUD, FL 34769-3651 |
| Transaction Type | Mortgage |
| Record Updated | Nov 28, 2025 |
| Name | Verified Name |
|---|---|
| Address | 1123 MINNESOTA AVE, SAINT CLOUD, FL 34769-3651 |
| Document Number | 0068782317 |
|---|---|
| Date | Nov 12, 2025 |
| Book Page | 6878/2317 |
| Instrument | 2025139333 |
| Name | SOUTH STATE BANK NATIONAL ASSOCIATION |
|---|---|
| Type | Bank |
| Address | WINTER HAVEN, FL 33880 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 59 Months |
| Due | Oct 20, 2030 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1123 MINNESOTA AVE, SAINT CLOUD, FL 34769-3651 |
| Transaction Type | Mortgage |
| Record Updated | Aug 01, 2022 |
| Title Company | ACCURATE EQUITY GROUP |
| Name | Verified Name |
|---|---|
| Address | 1123 MINNESOTA AVE, SAINT CLOUD, FL 34769-3651 |
| Document Number | 0059701127 |
|---|---|
| Date | Jun 01, 2021 |
| Book Page | 5970/1127 |
| Instrument | 2021084388 |
| Name | SOUTH STATE BANK NATIONAL ASSOCIATION |
|---|---|
| Type | Bank |
| Address | SAINT CLOUD, FL 34769 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 119 Months |
| Due | May 18, 2031 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jun 16, 2020 |
| Property Address | 1123 MINNESOTA AVE, SAINT CLOUD, FL 34769-3651 |
| Document Number | 0057380540 |
| Book / Page | 5738 / 540 |
| Map Reference | MB B PG 33 |
| Instrument Date | Jun 12, 2020 |
| Instrument | 2020076931 |
| Transaction Type | Transfer |
| Record Updated | Feb 06, 2021 |
| Title Company | STEWART TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,050.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 45 COOPERS WAY, 45, DENVER, PA 17517-9609 |
| Name | Verified Name |
|---|---|
| Address | 1123 MINNESOTA AVE, SAINT CLOUD, FL 34769-3651 |
| Document Number | 5738541 |
|---|---|
| Date | Jun 16, 2020 |
| Instrument | 5738/541 |
| Name | ATLANTIC BAY MORTGAGE GROUP LLC |
|---|---|
| Type | Mortgage Company |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 01, 2050 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
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 | $2,279.00 (+6.79%) Homeowner's exemption | $170,255 (+5.99%) | $223,000 (+9.05%) Land $79,800 Building $143,200 |
| 2023 | $2,134.00 (+5.12%) Homeowner's exemption | $160,638 (+3.77%) | $204,500 (+19.45%) Land $66,500 Building $138,000 |
| 2022 | $2,030.00 Homeowner's exemption | $154,809 | $171,200 Land $55,400 Building $115,800 |
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
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| 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.
Source: NPS National Register of Historic Places · August 1, 2026 release · Last verified October 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.
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