1125 Albany Ave, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1125 Albany Ave, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,456 sqft · built 1993
Lot Size	0.517 acres (22,521 sqft)
Owner	Individual Name on Record
Last Sale	$340,000 (Jan 2021)
Tax Bill	$3,989 (2025)
Deeds & Mortgages	Jan 2021 Sale & Mortgage Jun 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`92703`

Property Details

APN / Parcel Number

Primary APN	`92703`
Alternative APN	`292531491000500150`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,456 sqft Heated Area
Gross Area	3,044 sqft
1st Floor Area	1,170 sqft
Upper Floors Area	1,286 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 2005
Exterior Material	Aluminum Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	22,521 sqft (0.517 acres)
Lot Dimensions	150 ft deep x 150 ft wide
Garage Type	Mixed
Garage Area	400 sqft
Parking Spaces	4 Parking Spaces
Porch	Porch
Porch Area	188 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	92703
Street Address	1125 ALBANY AVE
City	SAINT CLOUD
State	FL
Zip	34771-8253
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-1C
Legal Description	TOWN OF RUNNYMEDE PB 1 PG 057 BLK 50 LOTS 15 & 16 30/25/31
Legal Range	31E
Legal Township	25S
Legal Section	29
Legal Subdivision	RUNNYMEDE BLKS AND CHISHOLM TRAILS
Legal Tract	4910
Legal Block	50
Legal Lot Number	15 16
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1047
Census Tract	43600

Owner

Source: Osceola County records, as of December 11, 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 Record
Mailing Address	1125 ALBANY AVE, SAINT CLOUD, FL 34771-8253
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 8, 2021	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE LLC
Jun 17, 2020	Warranty Deed, Transfer LAND TITLE CORPORATION, LAND TITLE PROFESSIONALS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 8, 2021 · Amount on Record
Deed Sale	Jan 8, 2021 · Amount on Record
Prior Sale	Jun 17, 2020 · Amount on Record
Deed Document Number	2021003622
Deed Book / Page	5867 / 2467
Record Updated	Jun 8, 2026

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 8, 2021
Property Address	1125 ALBANY AVE, SAINT CLOUD, FL 34771-8253
Document Number	0058672467
Book / Page	5867 / 2467
Map Reference	MB 1 PG 4&5
Instrument Date	Dec 4, 2020
Instrument	2021003622
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	ORLANDO TITLE PROFESSIONALS LL, LAND TITLE PROFESSIONALS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,380.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4275 ALBRITTON RD, SAINT CLOUD, FL 34772-7953

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1125 ALBANY AVE, SAINT CLOUD, FL 34771-8253

Mortgage

Document Number	0058672469
Date	Jan 8, 2021
Instrument	5867/2469

Lender

Name	UNITED WHOLESALE MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 17, 2020
Property Address	1125 ALBANY AVE, SAINT CLOUD, FL 34771-8253
Document Number	0057382686
Book / Page	005738 / 002686
Instrument Date	Jun 11, 2020
Instrument	77498
Transaction Type	Transfer
Record Updated	Jul 30, 2020
Title Company	LAND TITLE CORPORATION, LAND TITLE PROFESSIONALS INC

Transaction

Amount	Amount Recorded
Tax	$1,120.00
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4275 ALBRITTON RD ST CLOUD FL 347727953, ST CLOUD, FL 34772-7953

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,989.00 (+7.38%) Homeowner's exemption	$277,392 (+5.99%)	$349,200 (+9.67%) Land $65,000 Building $284,200
2023	$3,715.00 (+4.18%) Homeowner's exemption	$261,724 (+3%)	$318,400 (+18.89%) Land $65,000 Building $253,400
2022	$3,566.00 Homeowner's exemption	$254,101	$267,800 Land $52,000 Building $215,800

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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 Record median of 278 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	278 in force
Nearby Flood Claims	24 (1994–2022)
Claims Outside the SFHA	2 of 24
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Ian, Sep 2022 · 4 claims Hurricane Ian, Sep 2022 · 3 claims Hurricane Irma, Sep 2017 · 6 claims

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 66% of the US · above 44% of Florida
Wildfire Likelihood	0.3% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 70 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	1,200 / 35

May also be available: CenturyLink, Spectrum.

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