Osceola County property record for 1128 Monroe Ave, Saint Cloud, FL 34769 · Last verified December 2025
| Property Type | Residential > Condominium / Townhouse > Townhouse |
|---|---|
| Bedrooms | 2 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 1987 |
| Square Footage | 1,298 sqft Heated Area |
| Lot Size | 5,358 sqft (0.123 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $140,000 (2020) |
| Tax Bill | $3,184.00 (2025) |
| Primary APN | 82164 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,298 sqft Heated Area |
| Gross Area | 1,664 sqft Gross Area |
| 1st Floor | 1,298 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 1987 |
|---|---|
| Exterior Material | Brick Exterior |
| Foundation Type | Footing Foundation |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 5,358 sqft (0.123 acres) |
| Parking Spaces | 1 Parking Spaces |
| Garage Type | Finished Garage |
| Garage Area | 286 sqft Garage |
| Porch | Finished/Screened Porch |
| Porch Area | 80 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Account Number | 82164 |
|---|---|
| Street Address | 1128 MONROE AVE |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-6739 |
| Property Usage | Residential Property Usage |
| Type | Residential > Condominium / Townhouse > Townhouse |
| Legal Description | REPLAT OF PALAMAR OAKS VILLAGE PB 7 PG 148 LOT 16 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 04 |
| Legal Subdivision | PALAMAR OAKS TWNHMS |
| Legal Tract | 42 |
| Legal Block | 1 |
| Legal Lot Number | 16 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 1 |
| Census Block | 1002 |
| Census Tract | 43208 |
Source: Osceola County records · APN 82164
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 | 1128 MONROE AVE, SAINT CLOUD, FL 34769-6739 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| May 15, 2018 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Jan 02, 2020 | Warranty Deed, Transfer · Conventional Mortgage with Private Mortgage Insurance (PMI) MORTGAGE FIRM |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jan 02, 2020 · Amount on Record |
| Deed Sale | Jan 02, 2020 · Amount on Record |
| Prior Sale | Sep 27, 2012 · Amount on Record |
| Deed Doc Number | 2020000544 |
| Deed Book / Page | 5651 / 0964 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1128 MONROE AVE, SAINT CLOUD, FL 34769-6739 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0053341718 |
|---|---|
| Date | May 15, 2018 |
| Book Page | 5334/1718 |
| Instrument | 2018077058 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | PITTSBURGH, PA 15222 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jan 02, 2020 |
| Property Address | 1128 MONROE AVE, SAINT CLOUD, FL 34769-6739 |
| Document Number | 0056510964 |
| Book / Page | 005651 / 000964 |
| Instrument Date | Dec 31, 2019 |
| Instrument | 544 |
| Transaction Type | Transfer |
| Record Updated | Jan 17, 2020 |
| Title Company | LAND TITLE CORPORATION, LAND TITLE PROFESSIONALS INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $980.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1128 MONROE AVE ST CLOUD FL 347696739, ST CLOUD, FL 34769-6739 |
| Document Number | 56510966 |
|---|---|
| Date | Jan 02, 2020 |
| Book Page | 005651/000966 |
| Instrument | 545 |
| Name | MORTGAGE FIRM |
|---|---|
| Type | Mortgage Company |
| Address | ALTAMONTE SPRINGS, FL 32714 |
| Type | Conventional Mortgage with Private Mortgage Insurance (PMI) |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 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 | $3,184.00 (+17.14%) | $224,400 (+14.2%) Land $35,000 Building $189,400 | $224,400 (+14.2%) Land $35,000 Building $189,400 |
| 2023 | $2,718.00 (+10.71%) | $196,500 (+12.09%) Land $14,900 Building $181,600 | $196,500 (+12.09%) Land $14,900 Building $181,600 |
| 2022 | $2,455.00 | $175,300 Land $14,900 Building $160,400 | $175,300 Land $14,900 Building $160,400 |
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 |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures