1. Home
  2. Florida
  3. Osceola County
  4. Saint Cloud
  5. Oregon Ave

118 Oregon Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 118 Oregon Ave, Saint Cloud, FL 34769 · Last verified April 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms2 Baths
Year BuiltBuilt 1978
Square Footage1,347 sqft Living Area
Lot Size11,238 sqft (0.258 acres)
OccupancyOwner Occupied
Last Sale$380,000 (2023)
Tax Bill$4.00 (2024)

Property Details

APN / Parcel Number

Primary APN01-26-30-0001-0478-0090
Alternative APNs
  • 263001000104780090
  • 80517

Interior

Bedrooms3 Beds
Full Baths2 Baths
Building Area1,347 sqft Living Area
Gross Area2,208 sqft Gross Area
1st Floor1,347 sqft 1st Floor
Stories1 Stories
Primary FlooringCarpet Flooring
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 1978
Effective Year BuiltEffective 1978
Exterior MaterialConcrete Block Exterior
Construction TypeMasonry/Concrete Masonry Units (CMUs) Construction
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area11,238 sqft (0.258 acres)
Depth X Width150 ft x 75 ft Depth x Width
Parking Spaces4 Parking Spaces
Garage TypeAttached Garage
Garage Area624 sqft Garage

Exterior Amenities

Shed1 Shed
Shed Area144 sqft Shed
Patio Area180 sqft Patio
Porch Area237 sqft Porch

Utilities and HVAC

Cooling SystemA/C Package Cooling
Heating SystemHVAC Heating

Location & Zoning

Street Address118 OREGON AVE
CitySAINT CLOUD
StateFL
Zip34769-2560
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionGALION GARDENS PB 1 PG 140 BLK 478 S 25 FT OF LOT 9 & ALL LOT 10
Legal Range30E
Legal Township26S
Legal Section01
Legal SubdivisionST CLOUD 2ND PLAT TOWN OF
Legal Tract1
Legal Block478
Legal Lot Number9
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup5
Census Block5011
Census Tract43500

Owner

Source: Osceola County records · APN 01-26-30-0001-0478-0090

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 Record2 Individual Names on File
Mailing Address118 OREGON AVE, SAINT CLOUD, FL 34769-2560
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity
VestingHusband And Wife

Deeds, Mortgages & Sale History

DateDocument
Aug 03, 2023Warranty Deed, Transfer · Veterans Administration Mortgage
UNITED WHOLESALE MORTGAGE
Aug 02, 2022Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage
UNITED WHOLESALE MORTGAGE
Sep 14, 2021Deed of Trust, Mortgage · Conventional Mortgage
CALIBER HOME LOANS INC
Aug 13, 2021Intrafamily Transfer, Transfer
ACCOMODATION, ACCOMMODATION
Jun 22, 2017Deed of Trust, Mortgage · Conventional Mortgage
SUNTRUST MORTGAGE INC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleAug 03, 2023 · Amount on Record
Deed SaleAug 03, 2023 · Amount on Record
Prior SaleJun 25, 2015 · Amount on Record
Deed Doc Number2023101288
Deed Book / Page6452 / 501
Prior Transfer DateAug 03, 2021
Prior Transfer Doc0060221794
Record RefreshedJun 08, 2026

August 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateAug 03, 2023
Property Address118 OREGON AVE, SAINT CLOUD, FL 34769-2560
Document Number0064520501
Book / Page6452 / 501
Map ReferenceMB 1 PG 140
Instrument DateJul 26, 2023
Instrument2023101288
Transaction TypeTransfer
Record UpdatedAug 21, 2023
Title CompanyACCOMODATION, ACCOMMODATION

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$2,660.00
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address5041 CASPIAN ST, SAINT CLOUD, FL 34771-7689

Transferred To (Grantee/Buyer)

NameVerified Name
Address118 OREGON AVE, SAINT CLOUD, FL 34769-2560

Mortgage

Document Number0006452503
DateAug 03, 2023
Instrument6452/503
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term360 Months
DueAug 01, 2053

August 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address118 OREGON AVE, SAINT CLOUD, FL 34769-2560
Transaction TypeMortgage
Record UpdatedAug 11, 2022
Title CompanyFIRST SERVICE TTL OF FL LLC

Transferred To (Grantee/Buyer)

NameVerified Name
Address118 OREGON AVE, SAINT CLOUD, FL 34769-2560

Mortgage

Document Number0062612655
DateAug 02, 2022
Book Page6261/2655
Instrument2022118198
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
AddressPONTIAC, MI 48341
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term361 Months
DueSep 01, 2052

September 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address118 OREGON AVE, SAINT CLOUD, FL 34769-2560
Transaction TypeMortgage
Record UpdatedSep 28, 2021
Title CompanyFIRST SERVICE TITLE, FIRST SERVICE TTL OF FL LLC

Transferred To (Grantee/Buyer)

NameVerified Name
Address118 OREGON AVE, SAINT CLOUD, FL 34769-2560

Mortgage

Document Number0060430283
DateSep 14, 2021
Book Page6043/283
Instrument2021142619
Lender
NameCALIBER HOME LOANS INC
TypeMortgage Company
AddressCOPPELL, TX 75019
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueOct 01, 2051

August 2021: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionOSCEOLA FL
Recording DateAug 13, 2021
Property Address118 OREGON AVE, SAINT CLOUD, FL 34769-2560
Document Number0060221794
Book / Page6022 / 1794
Instrument DateAug 03, 2021
Instrument2021125974
Transaction TypeTransfer
Record UpdatedAug 27, 2021
Title CompanyACCOMODATION, ACCOMMODATION

Transaction

Tax$0.00
Amount AccuracyZero or No Consideration Stated
Additional
  • Interfamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address1574 SOFTSHELL ST, 1574, SAINT CLOUD, FL 34771-7519

Transferred To (Grantee/Buyer)

NameVerified Name
Address118 OREGON AVE, SAINT CLOUD, FL 34769-2560

June 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address118 OREGON AVE, SAINT CLOUD, FL 34769-2560
Transaction TypeMortgage
Record UpdatedFeb 05, 2021
Title CompanyHOMETOWN TITLE GROUP INC

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0051681468
DateJun 22, 2017
Book Page5168/1468
Instrument2017091563
Lender
NameSUNTRUST MORTGAGE INC
TypeMortgage Company
AddressRICHMOND, VA 23224
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJul 01, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

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.

YearTax BillAssessed ValueAssessed Market Value
2025$4.00$281,473 (+131.97%)$287,000 (+16.62%) Land $60,000 Building $227,000
2024$4.00 (-99.72%)
2023$1,426.00 (+4.62%) Homeowner's exemption$121,338 (+3%)$246,100 (+18.09%) Land $55,000 Building $191,100
2022$1,363.00 Homeowner's exemption$117,804$208,400 Land $50,000 Building $158,400

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 ZoneZone AE
Flood HazardHigh
100-Year FloodplainYes
1% annual chance
Special Flood Hazard AreaYes
Flood Insurance RequirementRequired (federally backed mortgages)
FloodwayNo
Base Flood Elevation61.0 ft

Wildfire

Wildfire RiskLow
above 36% of the US · above 10% of Florida
Wildfire LikelihoodAbout 1 in 3,125 per year
ExposureIndirect
within ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Nearby Properties on Oregon Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures