Osceola County property record for 1142 Monroe Ave, Saint Cloud, FL 34769 · Last verified April 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,250 sqft · built 1986 |
| Lot Size | 0.099 acres (4,312 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $216,000 (Mar 2020) |
| Tax Bill | $4 (2025) |
| Deeds & Mortgages | Mar 2025 Line of Credit Jan 2026 Line of Credit + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 04-26-30-0042-0001-0240 |
| Primary APN | 04-26-30-0042-0001-0240 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,250 sqft Living Area |
| Gross Area | 1,536 sqft |
| 1st Floor Area | 1,250 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1991 |
| Architectural Style | L-Shape |
| Exterior Material | Brick |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 4,312 sqft (0.099 acres) |
| Garage Type | Attached |
| Garage Area | 286 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Metal Porch |
| Porch Area | 130 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 1142 MONROE AVE |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-6718 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | REPLAT OF PALAMAR OAKS VILLAGE PB 7 PG 148 LOT 24 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 04 |
| Legal Subdivision | PALAMAR OAKS VLG REPLAT |
| Legal Tract | 42 |
| Legal Block | 240 |
| Legal Lot Number | 24 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 43208 |
Source: Osceola County records · APN 04-26-30-0042-0001-0240
Assessment roll updated November 26, 2025 · Last verified April 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 File |
|---|---|
| Mailing Address | 1142 MONROE AVE, SAINT CLOUD, FL 34769-6718 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Mar 11, 2025 | Deed of Trust, Mortgage · Line of Credit SPRING EQ LLC |
| Jan 06, 2026 | Gift Deed, Transfer · Line of Credit BUTTON FINANCE INC |
| May 03, 2019 | Deed of Trust, Mortgage · Commercial Mortgage CENTERSTATE BANK OF FLORIDA NA |
| Dec 15, 2020 | Deed of Trust, Mortgage · VA Mortgage VILLAGE CAPITAL & INVESTMENT LLC |
| Mar 17, 2020 | Warranty Deed, Transfer · VA Mortgage CENTERSTATE BANK NA |
| Aug 09, 2017 | Deed of Trust, Mortgage · Line of Credit CENTERSTATE BK/FL |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Mar 17, 2020 · Amount on Record |
| Deed Sale | Mar 17, 2020 · Amount on Record |
| Prior Sale | May 24, 2010 · Amount on Record |
| Deed Document Number | 202037880 |
| Deed Book / Page | 5693 / 760 |
| Last Transfer Date | Dec 27, 2025 |
| Transfer Doc | 0069040351 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1142 MONROE AVE, SAINT CLOUD, FL 34769-6718 |
| Transaction Type | Mortgage |
| Record Updated | Jan 19, 2026 |
| Name | Verified Name |
|---|---|
| Address | 1142 MONROE AVE, SAINT CLOUD, FL 34769-6718 |
| Document Number | 0067521093 |
|---|---|
| Date | Mar 11, 2025 |
| Book Page | 6752/1093 |
| Instrument | 2025030122 |
| Name | SPRING EQ LLC |
|---|---|
| Type | Mortgage Company |
| Address | FLINT, MI 48501 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Apr 01, 2045 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Gift Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jan 06, 2026 |
| Property Address | 1142 MONROE AVE, SAINT CLOUD, FL 34769-6718 |
| Document Number | 0069040351 |
| Book / Page | 6904 / 351 |
| Map Reference | MB 7 PG 148 |
| Instrument Date | Dec 27, 2025 |
| Instrument | 2026001662 |
| Transaction Type | Transfer |
| Record Updated | Jan 19, 2026 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Name | Verified Name |
|---|---|
| Address | 1142 MONROE AVE, SAINT CLOUD, FL 34769-6718 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 1142 MONROE AVE, SAINT CLOUD, FL 34769-6718 |
| Document Number | 0006904356 |
|---|---|
| Date | Jan 06, 2026 |
| Instrument | 6904/356 |
| Name | BUTTON FINANCE INC |
|---|---|
| Type | Mortgage Company |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1142 MONROE AVE, SAINT CLOUD, FL 34769-6718 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0055181801 |
|---|---|
| Date | May 03, 2019 |
| Book Page | 5518/1801 |
| Instrument | 2019057102 |
| Name | CENTERSTATE BANK OF FLORIDA NA |
|---|---|
| Type | Bank |
| Address | KISSIMMEE, FL 34741 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 119 Months |
| Due | Apr 01, 2029 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1142 MONROE AVE, SAINT CLOUD, FL 34769-6718 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|---|
| Address | 1142 MONROE AVE, SAINT CLOUD, FL 34769-6718 |
| Document Number | 0058510523 |
|---|---|
| Date | Dec 15, 2020 |
| Book Page | 5851/523 |
| Instrument | 2020169716 |
| Name | VILLAGE CAPITAL & INVESTMENT LLC |
|---|---|
| Type | Mortgage Company |
| Address | HENDERSON, NV 89052 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Mar 17, 2020 |
| Property Address | 1142 MONROE AVE, SAINT CLOUD, FL 34769-6718 |
| Document Number | 0056930760 |
| Book / Page | 5693 / 760 |
| Map Reference | MB 7 PG 148 |
| Instrument Date | Mar 16, 2020 |
| Instrument | 2020037880 |
| Transaction Type | Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | LAND TITLE PROFESSIONALS LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,512.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1142 MONROE AVE, 1142, SAINT CLOUD, FL 34769-6718 |
| Name | Verified Name |
|---|---|
| Address | 1142 MONROE AVE, SAINT CLOUD, FL 34769-6718 |
| Document Number | 0056930762 |
|---|---|
| Date | Mar 17, 2020 |
| Instrument | 5693/0762 |
| Name | CENTERSTATE BANK NA |
|---|---|
| Type | Bank |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1142 MONROE AVE, SAINT CLOUD, FL 34769-6718 |
| Document Number | 0052091548 |
| Book / Page | 005209 / 001548 |
| Instrument Date | Aug 09, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Oct 24, 2017 |
| Name | Verified Name |
|---|---|
| Address | 1142 MONROE AVE ST CLOUD FL 347696718, ST CLOUD, FL 34769-6718 |
| Document Number | 0052091548 |
|---|---|
| Date | Sep 19, 2017 |
| Book Page | 005209/001548 |
| Instrument | 132322 |
| Name | CENTERSTATE BK/FL |
|---|---|
| Type | Bank |
| Address | SAINT CLOUD, FL 34771 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Sep 18, 2032 |
| Rate Type | Adjustable Rate |
|---|
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 2026
| 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 | $4.00 Homeowner's exemption Veteran's exemption | $204,304 (+5.99%) | $249,500 (+3.44%) Land $45,300 Building $204,200 |
| 2024 | $4.00 | ||
| 2023 | $4.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $192,765 (+3%) | $241,200 (+27.15%) Land $41,800 Building $199,400 |
| 2022 | $4.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $187,151 | $189,700 Land $38,300 Building $151,400 |
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.
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