1146 Monroe Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 1146 Monroe Ave, Saint Cloud, FL 34769 · Last verified April 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	2 Baths
Year Built	Built 1986
Square Footage	1,302 sqft Living Area
Lot Size	5,837 sqft (0.134 acres)
Garage	Attached, 322 sqft
Occupancy	Owner Occupied
Tax Bill	$698.00 (2024)

Property Details

APN / Parcel Number

Primary APN	`04-26-30-0042-0001-0260`
Alternative APNs	`263004004200010260` `82174`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,302 sqft Living Area
Gross Area	1,784 sqft Gross Area
1st Floor	1,302 sqft 1st Floor
Stories	1 Stories
Primary Flooring	Carpet Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Conventional Style
Exterior Material	Brick Exterior
Construction Type	Brick Construction
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	5,837 sqft (0.134 acres)
Parking Spaces	1 Parking Spaces
Garage Type	Attached Garage
Garage Area	322 sqft Garage
Porch Area	160 sqft Porch

Utilities and HVAC

Cooling System	A/C Package Cooling
Heating System	HVAC Heating

Location & Zoning

Street Address	1146 MONROE AVE
City	SAINT CLOUD
State	FL
Zip	34769-6718
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	REPLAT OF PALAMAR OAKS VILLAGE PB 7 PG 148 LOT 26
Legal Range	30E
Legal Township	26S
Legal Section	04
Legal Subdivision	PALAMAR OAKS VLG REPLAT
Legal Tract	42
Legal Block	260
Legal Lot Number	26
Jurisdiction	OSCEOLA FL
Minor Civil Division	ST. CLOUD
Census Blockgroup	1
Census Block	1002
Census Tract	43208

Owner

Source: Osceola County records · APN 04-26-30-0042-0001-0260

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	1146 MONROE AVE, SAINT CLOUD, FL 34769-6718
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Transfer Date	Jun 22, 2021
Transfer Doc	0059930337
Record Refreshed	Jun 08, 2026

June 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Jun 30, 2021
Property Address	1146 MONROE AVE, SAINT CLOUD, FL 34769-6718
Document Number	0059930337
Book / Page	5993 / 337
Map Reference	MB 7 PG 148
Instrument Date	Jun 22, 2021
Instrument	2021102566
Transaction Type	Transfer
Record Updated	Jul 20, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Zero or No Consideration Stated
Additional	Interfamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1146 MONROE AVE, SAINT CLOUD, FL 34769-6718

Mortgage

Document Number	5993338
Date	Jun 30, 2021
Instrument	5993/338

Lender

Name	ADDITION FINANCIAL CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly (Revolving credit lines are monthly unless stated otherwise).

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 2026

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	$734.00 (+5.16%) Homeowner's exemption Widower's exemption	$88,909 (+5.99%)	$233,800 (+13.77%) Land $35,000 Building $198,800
2024	$698.00 (+5.6%)
2023	$661.00 (-5.44%) Homeowner's exemption Widower's exemption	$83,888 (+3%)	$205,500 (+12.05%) Land $14,900 Building $190,600
2022	$699.00 Homeowner's exemption Widower's exemption	$81,445	$183,400 Land $14,900 Building $168,500

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.