1123 Monroe Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 1123 Monroe Ave, Saint Cloud, FL 34769 · Last verified December 2025

Property Highlights

Property Type	Residential > Condominium / Townhouse > Townhouse
Bedrooms	2 Beds
Bathrooms	1 Baths
Year Built	Built 1986
Square Footage	1,002 sqft Heated Area
Lot Size	4,617 sqft (0.105 acres)
Occupancy	Owner Occupied
Last Sale	$125,000 (2008)
Tax Bill	$708.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`82162`
Alternative APN	`042630004200010120`

Interior

Bedrooms	2 Beds
Full Baths	1 Baths
Plumbing Fixtures	3 Plumbing Fixtures
Building Area	1,002 sqft Heated Area
Gross Area	1,666 sqft Gross Area
1st Floor	1,002 sqft 1st Floor
Stories	1 Stories
Primary Flooring	Carpet Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 1986
Exterior Material	Brick Exterior
Foundation Type	Footing Foundation
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	4,617 sqft (0.105 acres)
Parking Spaces	2 Parking Spaces
Garage Type	Finished Garage
Garage Area	440 sqft Garage
Porch	1 Porch
Porch Area	224 sqft Porch

Utilities and HVAC

Cooling System	A/C Package Cooling
Heating System	HVAC Heating

Location & Zoning

Account Number	82162
Street Address	1123 MONROE AVE
City	SAINT CLOUD
State	FL
Zip	34769-6715
Property Usage	Residential Property Usage
Type	Residential > Condominium / Townhouse > Townhouse
Legal Description	REPLAT OF PALAMAR OAKS VILLAGE PB 7 PG 148 LOT 12
Legal Range	30E
Legal Township	26S
Legal Section	04
Legal Subdivision	PALAMAR OAKS TWNHMS
Legal Tract	42
Legal Block	1
Legal Lot Number	12
Jurisdiction	OSCEOLA FL
Minor Civil Division	ST. CLOUD
Census Blockgroup	1
Census Block	1002
Census Tract	43208

Owner

Source: Osceola County records · APN 82162

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	Owner Name on File
Mailing Address	1123 MONROE AVE, SAINT CLOUD, FL 34769-6715
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Mar 25, 2008 · Amount on Record
Deed Sale	Mar 25, 2008 · Amount on Record
Prior Sale	Feb 27, 2003 · Amount on Record
Deed Doc Number	2008053514
Deed Book / Page	3661 / 0518
Record Refreshed	Jun 08, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1123 MONROE AVE, SAINT CLOUD, FL 34769-6715
Transaction Type	Mortgage
Record Updated	Feb 13, 2024
Title Company	PRIMERA TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1123 MONROE AVE, SAINT CLOUD, FL 34769-6715

Mortgage

Document Number	0065430079
Date	Feb 01, 2024
Book Page	6543/79
Instrument	2024013369

Lender

Name	ADDITION FINANCIAL CU
Type	Credit Union
Address	LAKE MARY, FL 32746

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	420 Months
Due	Jan 31, 2059

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly (Revolving credit lines are monthly unless stated otherwise).

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 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

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	$708.00 (+10.28%) Homeowner's exemption	$82,457 (+5.99%)	$222,100 (+14.31%) Land $35,000 Building $187,100
2023	$642.00 (+6.64%) Homeowner's exemption	$77,800 (+3%)	$194,300 (+12.12%) Land $14,900 Building $179,400
2022	$602.00 Homeowner's exemption	$75,534	$173,300 Land $14,900 Building $158,400

Flood & Wildfire

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

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft

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; lenders make the official flood determination.