Osceola County property record for 1128 Illinois Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,483 sqft · built 1990 |
| Lot Size | 0.028 acres (1,219 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $193,000 (Mar 2020) |
| Tax Bill | $3,732 (2025) |
| Deeds & Mortgages | Aug 2026 Mortgage Mar 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-26-30-0050-0001-0180 |
| Primary APN | 02-26-30-0050-0001-0180 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,483 sqft Living Area |
| Gross Area | 1,811 sqft |
| 1st Floor Area | 896 sqft |
| Upper Floors Area | 587 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | L-Shape |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 1,219 sqft (0.028 acres) |
| Garage Type | Attached |
| Garage Area | 240 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Florida Room |
| Porch Area | 88 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 1128 ILLINOIS AVE |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-3845 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SPUD |
| Legal Description | PARK LANE VILLAS PB 6 PG 52 UNIT 18 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 02 |
| Legal Subdivision | PARK LANE VILLAS |
| Legal Tract | 50 |
| Legal Block | 180 |
| Legal Lot Number | 18 |
| Legal Unit | 18 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 4 |
| Census Block | 4015 |
| Census Tract | 43500 |
Source: Osceola County records, as of September 10, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 1128 ILLINOIS AVE, SAINT CLOUD, FL 34769-3845 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 28, 2026 | Deed of Trust, Mortgage · FHA Mortgage SERVICELINK |
| Mar 25, 2020 | Warranty Deed, Transfer · FHA Mortgage FREEDOM MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 25, 2020 · Amount on Record |
| Deed Sale | Mar 25, 2020 · Amount on Record |
| Prior Sale | Sep 30, 2016 · Amount on Record |
| Deed Document Number | 202042722 |
| Deed Book / Page | 5698 / 1403 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Aug 28, 2026 |
| Property Address | 1128 ILLINOIS AVE, SAINT CLOUD, FL 34769-3845 |
| Document Number | 0000112709 |
| Book / Page | 7027 / 467 |
| Instrument Date | Aug 20, 2026 |
| Instrument | 2026112709 |
| Transaction Type | Mortgage |
| Record Updated | Sep 10, 2026 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 1128 ILLINOIS AVE, SAINT CLOUD, FL 34769-3845 |
| Document Number | 0000112709, |
|---|---|
| Date | Aug 28, 2026 |
| Book Page | 7027/467 |
| Instrument | 2026112709 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 284 Months |
| Due | Apr 1, 2050 |
| Max Rate | -1% |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Mar 25, 2020 |
| Property Address | 1128 ILLINOIS AVE, SAINT CLOUD, FL 34769-3845 |
| Document Number | 0056981403 |
| Book / Page | 5698 / 1403 |
| Map Reference | MB 6 PG 52 |
| Instrument Date | Mar 20, 2020 |
| Instrument | 2020042722 |
| Transaction Type | Transfer |
| Record Updated | Feb 8, 2022 |
| Title Company | FIDELITY NATL TTL OF FL INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,351.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1128 ILLINOIS AVE, 1128, SAINT CLOUD, FL 34769-3845 |
| Name | Verified Name |
|---|---|
| Address | 1128 ILLINOIS AVE, SAINT CLOUD, FL 34769-3845 |
| Document Number | 0056981405 |
|---|---|
| Date | Mar 25, 2020 |
| Instrument | 5698/1405 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2050 |
Source: Osceola County assessment roll, as of November 26, 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 | $3,732.00 (+4.27%) Homeowner's exemption | $176,981 (+5.99%) | $218,300 (+3.85%) Land $35,000 Building $183,300 |
| 2023 | $3,579.00 (+2.76%) Homeowner's exemption | $166,985 (+3%) | $210,200 (+12.17%) Land $14,900 Building $195,300 |
| 2022 | $3,483.00 Homeowner's exemption | $162,122 | $187,400 Land $14,900 Building $172,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 67% of the US · lower than 92% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% 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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