Osceola County property record for 1148 Monroe Ave, Saint Cloud, FL 34769 · Last verified April 2026
| 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 | 3,702 sqft (0.085 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $275,100 (2025) |
| Tax Bill | $1,187.00 (2024) |
| Primary APN | 04-26-30-0042-0001-0270 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,302 sqft Living Area |
| Gross Area | 1,944 sqft Gross Area |
| 1st Floor | 1,302 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| 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 | 3,702 sqft (0.085 acres) |
| Parking Spaces | 1 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 322 sqft Garage |
| Porch Area | 320 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 1148 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 27 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 04 |
| Legal Subdivision | PALAMAR OAKS VLG REPLAT |
| Legal Tract | 42 |
| Legal Block | 270 |
| Legal Lot Number | 27 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 1 |
| Census Block | 1002 |
| Census Tract | 43208 |
Source: Osceola County records · APN 04-26-30-0042-0001-0270
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 | Individual Name on File |
|---|---|
| Mailing Address | 1148 MONROE AVE, SAINT CLOUD, FL 34769-6718 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Vesting | Single Woman |
| Date | Document |
|---|---|
| Sep 11, 2025 | Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage COLUMBUS CAPITAL LENDING LLC |
| Oct 03, 2017 | Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage THE MORTGAGE FIRM INC |
| Sep 27, 2017 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Sep 11, 2025 · Amount on Record |
| Deed Sale | Sep 11, 2025 · Amount on Record |
| Prior Sale | Oct 03, 2017 · Amount on Record |
| Deed Doc Number | 2025112731 |
| Deed Book / Page | 6847 / 1588 |
| Prior Transfer Date | Jul 28, 2017 |
| Prior Transfer Doc | 0052131474 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Sep 11, 2025 |
| Property Address | 1148 MONROE AVE, SAINT CLOUD, FL 34769-6718 |
| Document Number | 0068471588 |
| Book / Page | 6847 / 1588 |
| Map Reference | MB 7 PG 148 |
| Instrument Date | Sep 08, 2025 |
| Instrument | 2025112731 |
| Transaction Type | Transfer |
| Record Updated | Oct 13, 2025 |
| Title Company | MAGNOLIA CLOSING COMPANY, MAGNOLIA CLOSING CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,925.70 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 59 CORTLANDT ST, STATEN ISLAND, NY 10302-2014 |
| Name | Verified Name |
|---|---|
| Address | 1148 MONROE AVE, SAINT CLOUD, FL 34769-6718 |
| Document Number | 0068471590 |
|---|---|
| Date | Sep 11, 2025 |
| Instrument | 6847/1590 |
| Name | COLUMBUS CAPITAL LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Oct 03, 2017 |
| Property Address | 1148 MONROE AVE, SAINT CLOUD, FL 34769-6718 |
| Document Number | 0052172023 |
| Book / Page | 5217 / 2023 |
| Map Reference | MB7 PG148 |
| Instrument Date | Sep 29, 2017 |
| Instrument | 2017141288 |
| Transaction Type | Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | STEWART TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,015.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1206 HILLCREST ST, 1206, GRAND HAVEN, MI 49417-2154 |
| Name | Verified Name |
|---|---|
| Address | 1148 MONROE AVE, SAINT CLOUD, FL 34769-6718 |
| Document Number | 0052172024 |
|---|---|
| Date | Oct 03, 2017 |
| Instrument | 5217/2024 |
| Name | THE MORTGAGE FIRM INC |
|---|---|
| Type | Mortgage Company |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2047 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Sep 27, 2017 |
| Property Address | 1148 MONROE AVE, SAINT CLOUD, FL 34769-6718 |
| Document Number | 0052131474 |
| Book / Page | 005213 / 001474 |
| Instrument Date | Jul 28, 2017 |
| Instrument | 136454 |
| Transaction Type | Transfer |
| Record Updated | Nov 08, 2017 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1206 HILLCREST ST GRAND HAVEN MI 494172154, GRAND HAVEN, MI 49417-2154 |
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, not market price estimates; both are a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,236.00 (+4.13%) | $111,970 (+2.9%) | $240,800 (-2.07%) Land $35,000 Building $205,800 |
| 2024 | $1,187.00 (+3.85%) Homeowner's exemption | $108,815 (+3%) | $245,900 (+15.83%) Land $35,000 Building $210,900 |
| 2023 | $1,143.00 (+4.96%) Homeowner's exemption | $105,646 (+3%) | $212,300 (+12.15%) Land $14,900 Building $197,400 |
| 2022 | $1,089.00 Homeowner's exemption | $102,569 | $189,300 Land $14,900 Building $174,400 |
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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