Osceola County property record for 1145 Monroe Ave, Saint Cloud, FL 34769 · Last verified December 2025
| Property Type | Townhouse |
|---|---|
| Details | 3 bd · 2 ba · 1,432 sqft · built 1987 |
| Lot Size | 0.087 acres (3,833 sqft) |
| Owner | Individual Name on File |
| Last Sale | $307,000 (Sep 2023) |
| Tax Bill | $3,723 (2025) |
| Deeds & Mortgages | Jul 2026 Mortgage Sep 2023 Second Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 82182 |
| Primary APN | 82182 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,432 sqft Heated Area |
| Gross Area | 2,042 sqft |
| 1st Floor Area | 1,368 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1987 |
|---|---|
| Exterior Material | Brick |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 3,833 sqft (0.087 acres) |
| Garage Type | Finished |
| Garage Area | 368 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Enclosed Porch |
| Porch Area | 246 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 82182 |
|---|---|
| Street Address | 1145 MONROE AVE |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-6717 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Legal Description | REPLAT OF PALAMAR OAKS VILLAGE PB 7 PG 148 LOT 34 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 04 |
| Legal Subdivision | PALAMAR OAKS TWNHMS |
| Legal Tract | 42 |
| Legal Block | 1 |
| Legal Lot Number | 34 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 43208 |
Source: Osceola County records · APN 82182
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 |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 1145 MONROE AVE, SAINT CLOUD, FL 34769-6717 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 16, 2026 | Deed of Trust, Mortgage · FHA Mortgage DO NO USE, CARRINGTON MORTGAGE SERVICES |
| Sep 29, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage GOLD STAR MORTGAGE FINANCIAL GROUP CORP |
| Sep 29, 2023 | Warranty Deed, Transfer · FHA Mortgage GOLD STAR MORTGAGE FINANCIAL GROUP CORP |
| Jan 12, 2021 | Deed of Trust, Mortgage · Conventional Mortgage THE MORTGAGE FIRM INC |
| Jul 12, 2019 | Warranty Deed, Transfer · Conventional Mortgage MORTGAGE FIRM |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 29, 2023 · Amount on Record |
| Deed Sale | Sep 29, 2023 · Amount on Record |
| Prior Sale | Jul 12, 2019 · Amount on Record |
| Deed Document Number | 2023127940 |
| Deed Book / Page | 6481 / 1674 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jul 16, 2026 |
| Property Address | 1145 MONROE AVE, SAINT CLOUD, FL 34769-6717 |
| Document Number | 0000093391 |
| Book / Page | 7005 / 499 |
| Instrument Date | Jun 10, 2026 |
| Instrument | 202693391 |
| Transaction Type | Mortgage |
| Record Updated | Jul 28, 2026 |
| Title Company | DO NO USE, CARRINGTON MORTGAGE SERVICES |
| Name | Verified Name |
|---|---|
| Address | 1145 MONROE AVE, SAINT CLOUD, FL 34769-6717 |
| Document Number | 0000093391, |
|---|---|
| Date | Jul 16, 2026 |
| Book Page | 7005/499 |
| Instrument | 202693391 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 479 Months |
| Due | Jun 01, 2066 |
| Rate | 6.36% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1145 MONROE AVE, SAINT CLOUD, FL 34769-6717 |
| Transaction Type | Mortgage |
| Record Updated | Oct 13, 2023 |
| Title Company | PARAGON TITLE GROUP INC |
| Name | Verified Name |
|---|---|
| Address | 1145 MONROE AVE, SAINT CLOUD, FL 34769-6717 |
| Document Number | 0064811688 |
|---|---|
| Date | Sep 29, 2023 |
| Book Page | 6481/1688 |
| Instrument | 2023127942 |
| Name | GOLD STAR MORTGAGE FINANCIAL GROUP CORP |
|---|---|
| Type | Mortgage Company |
| Address | ANN ARBOR, MI 48109 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Oct 01, 2033 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Sep 29, 2023 |
| Property Address | 1145 MONROE AVE, SAINT CLOUD, FL 34769-6717 |
| Document Number | 0064811674 |
| Book / Page | 6481 / 1674 |
| Map Reference | MB 7 PG 148 |
| Instrument Date | Sep 27, 2023 |
| Instrument | 2023127940 |
| Transaction Type | Transfer |
| Record Updated | Oct 13, 2023 |
| Title Company | PARAGON TITLE GROUP INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,149.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 19629 OBERLY PKWY, ORLANDO, FL 32833-5518 |
| Name | Verified Name |
|---|---|
| Address | 1610 COLUMBIA ARMS CIR, KISSIMMEE, FL 34741-2842 |
| Document Number | 0064811675 |
|---|---|
| Date | Sep 29, 2023 |
| Book Page | 6481/1675 |
| Instrument | 2023127941 |
| Name | GOLD STAR MORTGAGE FINANCIAL GROUP CORP |
|---|---|
| Type | Mortgage Company |
| Address | ANN ARBOR, MI 48108 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1145 MONROE AVE, SAINT CLOUD, FL 34769-6717 |
| Transaction Type | Mortgage |
| Record Updated | Mar 06, 2023 |
| Name | Verified Name |
|---|---|
| Address | 1145 MONROE AVE, SAINT CLOUD, FL 34769-6717 |
| Document Number | 0058690761 |
|---|---|
| Date | Jan 12, 2021 |
| Book Page | 5869/761 |
| Instrument | 2021004885 |
| Name | THE MORTGAGE FIRM INC |
|---|---|
| Type | Mortgage Company |
| Address | ORMOND BEACH, FL 32174 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jul 12, 2019 |
| Property Address | 1145 MONROE AVE, SAINT CLOUD, FL 34769-6717 |
| Document Number | 0055551889 |
| Book / Page | 005555 / 001889 |
| Instrument Date | Jul 09, 2019 |
| Instrument | 89454 |
| Transaction Type | Transfer |
| Record Updated | Jul 25, 2019 |
| Title Company | PARAGON TITLE GROUP INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,225.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1145 MONROE AVE ST CLOUD FL 347696717, ST CLOUD, FL 34769-6717 |
| Document Number | 55551890 |
|---|---|
| Date | Jul 12, 2019 |
| Book Page | 005555/001890 |
| Instrument | 89455 |
| Name | MORTGAGE FIRM |
|---|---|
| Type | Mortgage Company |
| Address | ALTAMONTE SPRINGS, FL 32714 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 11, 2049 |
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, not market price estimates; both are a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,723.00 (-6.93%) Homeowner's exemption | $250,900 (+13.07%) Land $35,000 Building $215,900 | $250,900 (+13.07%) Land $35,000 Building $215,900 |
| 2023 | $4,000.00 (+206.98%) | $221,900 (+93.85%) Land $14,900 Building $207,000 | $221,900 (+12.24%) Land $14,900 Building $207,000 |
| 2022 | $1,303.00 Homeowner's exemption | $114,468 | $197,700 Land $14,900 Building $182,800 |
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 |
| 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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