1202 Virginia Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 1202 Virginia Ave, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	1 ba · 776 sqft · built 1930
Lot Size	0.11 acres (4,792 sqft)
Owner	Individual Name on Record
Last Sale	$190,000 (Feb 2022)
Tax Bill	$1,362 (2025)
Deeds & Mortgages	Feb 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`78406`

Property Details

APN / Parcel Number

Primary APN	`78406`
Alternative APN	`012630000102260010`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	776 sqft Heated Area
Gross Area	1,096 sqft
1st Floor Area	576 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1965
Exterior Material	Vinyl
Foundation Type	Pier/Post & Beam
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	4,792 sqft (0.11 acres)
Lot Dimensions	94 ft deep x 50 ft wide
Garage Type	Detached - Finished
Garage Area	280 sqft
Parking Spaces	1 Parking Space
Porch	Enclosed Porch
Porch Area	200 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Account Number	78406
Street Address	1202 VIRGINIA AVE
City	SAINT CLOUD
State	FL
Zip	34769-3843
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SHB
Legal Description	ST CLOUD PB B PG 34 BLK 226 E 94 FT LOTS 1 & 2 1/26/30
Legal Range	30E
Legal Township	26S
Legal Section	01
Legal Subdivision	ST CLOUD HWY CENTRAL
Legal Tract	1
Legal Block	226
Legal Lot Number	1-2 2
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	4
Census Block	4023
Census Tract	43500

Owner

Source: Osceola County records, as of December 11, 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 Record
Mailing Address	1202 VIRGINIA AVE, SAINT CLOUD, FL 34769-3843
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 21, 2022 · Amount on Record
Deed Sale	Feb 21, 2022 · Amount on Record
Prior Sale	Jun 13, 2014 · Amount on Record
Deed Document Number	2022028228
Deed Book / Page	6155 / 24
Record Updated	Jun 8, 2026

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 21, 2022
Property Address	1202 VIRGINIA AVE, SAINT CLOUD, FL 34769-3843
Document Number	0061550024
Book / Page	6155 / 24
Map Reference	MB 8 PG 33&34
Instrument Date	Feb 14, 2022
Instrument	2022028228
Transaction Type	Transfer
Record Updated	Mar 7, 2022
Title Company	CELEBRATION TITLE GROUP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,330.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1606 CALCUN CIRCLE, 1606, KISSIMMEE, FL 34746

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1202 VIRGINIA AVE, SAINT CLOUD, FL 34769-3843

Mortgage

Document Number	0000615526
Date	Feb 21, 2022
Instrument	6155/26

Lender

Name	THE MORTGAGE FIRM INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 2025

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,362.00 (+7.84%) Homeowner's exemption	$119,023 (+5.99%)	$130,300 (+16.03%) Land $64,700 Building $65,600
2023	$1,263.00 (+316.83%) Homeowner's exemption	$112,300 (+166.54%) Land $49,100 Building $63,200	$112,300 (+18.46%) Land $49,100 Building $63,200
2022	$303.00 Homeowner's exemption Widower's exemption	$42,133	$94,800 Land $40,900 Building $53,900

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 15 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	15 in force
Nearby Flood Claims	2 (1983–2003)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Aug 2003 · tidal / storm surge

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 95% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ST. CLOUD, CITY OF (3 WPS) serves 82,752 people · EPA ID FL3491373
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	2 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 458 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	8,000 / 8,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20