1138 Monroe Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 1138 Monroe Ave, Saint Cloud, FL 34769 · Last verified December 2025

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	4 Beds
Bathrooms	2 Baths
Year Built	Built 2006
Square Footage	1,543 sqft Heated Area
Lot Size	7,275 sqft (0.167 acres)
Occupancy	Owner Occupied
Last Sale	$220,000 (2019)
Tax Bill	$2,865.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`82169`
Alternative APN	`042630004200010210`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Building Area	1,543 sqft Heated Area
Gross Area	2,161 sqft Gross Area
1st Floor	971 sqft 1st Floor
Upper Floors	572 sqft Upper Floors
Stories	1 Stories
Interior Structure	Wallboard/Drywall Interior Structure
Fireplace	Fireplace
Fireplaces	1 Fireplaces

Exterior

Year Built	Built 1986
Effective Year Built	Effective 2006
Exterior Material	Aluminum Siding Exterior
Foundation Type	Footing Foundation
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	7,275 sqft (0.167 acres)
Parking Spaces	2 Parking Spaces
Garage Type	Finished Garage
Garage Area	483 sqft Garage
Porch	Finished/Screened Porch
Porch Area	135 sqft Porch

Utilities and HVAC

Cooling System	A/C Package Cooling
Heating System	HVAC Heating

Location & Zoning

Account Number	82169
Street Address	1138 MONROE AVE
City	SAINT CLOUD
State	FL
Zip	34769-6739
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	REPLAT OF PALAMAR OAKS VILLAGE PB 7 PG 148 LOT 21
Legal Range	30E
Legal Township	26S
Legal Section	04
Legal Subdivision	PALAMAR OAKS VILLAGE
Legal Tract	42
Legal Block	1
Legal Lot Number	21
Jurisdiction	OSCEOLA FL
Minor Civil Division	ST. CLOUD
Census Blockgroup	1
Census Block	1002
Census Tract	43208

Owner

Source: Osceola County records · APN 82169

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	1138 MONROE AVE, SAINT CLOUD, FL 34769-6739
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	May 15, 2019 · Amount on Record
Deed Sale	May 15, 2019 · Amount on Record
Prior Sale	Aug 20, 2010 · Amount on Record
Deed Doc Number	0055242812
Deed Book / Page	5524 / 2812
Record Refreshed	Jun 08, 2026

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 15, 2019
Property Address	1138 MONROE AVE, SAINT CLOUD, FL 34769-6739
Document Number	0055242812
Book / Page	5524 / 2812
Map Reference	MB 7 PG 148
Instrument Date	May 15, 2019
Instrument	2019062864
Transaction Type	Transfer
Record Updated	May 02, 2022
Title Company	STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,540.00
Amount Accuracy	Full Amount Stated
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4010 ASHEVILLE LN, 4010, SAINT CLOUD, FL 34772-8722

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1138 MONROE AVE, SAINT CLOUD, FL 34769-6739

Mortgage

Document Number	0055242813
Date	May 15, 2019
Instrument	5524/2813

Lender

Name	SIERRA PACIFIC MORTGAGE CO INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 01, 2049

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	$2,865.00 (+6.55%) Homeowner's exemption	$202,946 (+5.99%)	$316,300 (+3.37%) Land $53,300 Building $263,000
2023	$2,689.00 (+3.78%) Homeowner's exemption	$191,483 (+3%)	$306,000 (+27.71%) Land $49,200 Building $256,800
2022	$2,591.00 Homeowner's exemption	$185,906	$239,600 Land $45,100 Building $194,500

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.