Osceola County property record for 1205 Virginia Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 860 sqft · built 1945 |
| Lot Size | 0.172 acres (7,492 sqft) |
| Owner | Individual Name on File |
| Last Sale | $265,000 (Jun 2026) |
| Tax Bill | $2,062 (2025) |
| Deeds & Mortgages | Jun 2026 Sale May 2023 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-26-30-0001-0227-0210 |
| Primary APN | 01-26-30-0001-0227-0210 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 860 sqft Living Area |
| Gross Area | 1,040 sqft |
| 1st Floor Area | 604 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1945 |
|---|---|
| Effective Year Built | Effective 1982 |
| Architectural Style | L-Shape |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | Pier/Post & Beam |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 7,492 sqft (0.172 acres) |
| Lot Dimensions | 150 ft deep x 50 ft wide |
| Porch | Florida Room |
|---|---|
| Porch Area | 436 sqft |
| Shed | 1 Shed |
| Shed Area | 24 sqft |
| Cooling System | Wall Unit |
|---|---|
| Heating System | HVAC |
| Street Address | 1205 VIRGINIA AVE |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-3842 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SHB |
| Legal Description | ST CLOUD PB B PG 34 BLK 227 LOTS 21 & 22 1/26/30 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD 2ND PLAT TOWN OF |
| Legal Tract | 1 |
| Legal Block | 227 |
| Legal Lot Number | 21 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 4 |
| Census Block | 4024 |
| Census Tract | 43500 |
1205 Virginia Ave is owned and occupied by an individual who bought it in June 2026.
Source: Osceola County records, as of June 22, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1205 VIRGINIA AVE, SAINT CLOUD, FL 34769-3842 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried Man |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jun 12, 2026 | Warranty Deed, Transfer LAND TITLE CORPORATION, LAND TITLE PROFESSIONALS |
| May 10, 2023 | Warranty Deed, Transfer · Conventional Mortgage THE HUNTINGTON NATIONAL BANK |
| Aug 11, 2022 | Warranty Deed, Transfer NOT AVAILABLE, ROSEMONT TITLE INS AGCY LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 12, 2026 · Amount on File |
| Deed Sale | Jun 12, 2026 · Amount on File |
| Prior Sale | May 10, 2023 · Amount on File |
| Deed Document Number | 202677651 |
| Deed Book / Page | 6987 / 1297 |
| Prior Transfer Date | Jul 27, 2005 |
| Prior Transfer Doc | 0028540174 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jun 12, 2026 |
| Property Address | 1205 VIRGINIA AVE, SAINT CLOUD, FL 34769-3842 |
| Document Number | 0000077651 |
| Book / Page | 6987 / 1297 |
| Instrument Date | Jun 8, 2026 |
| Instrument | 202677651 |
| Transaction Type | Transfer |
| Record Updated | Jun 22, 2026 |
| Title Company | LAND TITLE CORPORATION, LAND TITLE PROFESSIONALS |
| Amount | Amount on Record |
|---|---|
| Tax | $187,355.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1205 VIRGINIA AVE, SAINT CLOUD, FL 34769-3842 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | May 10, 2023 |
| Property Address | 1205 VIRGINIA AVE, SAINT CLOUD, FL 34769-3842 |
| Document Number | 0064042613 |
| Book / Page | 6404 / 2613 |
| Map Reference | MB B PG 33 |
| Instrument Date | May 8, 2023 |
| Instrument | 2023059737 |
| Transaction Type | Transfer |
| Record Updated | May 24, 2023 |
| Title Company | STEWART TITLE COMPANY-F, STEWART TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,839.60 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1309 CLEAR BROOK PL, SAINT CLOUD, FL 34772-6537 |
| Name | Verified Name |
|---|---|
| Address | 1205 VIRGINIA AVE, SAINT CLOUD, FL 34769-3842 |
| Document Number | 0064042615 |
|---|---|
| Date | May 10, 2023 |
| Instrument | 6404/2615 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.75% |
| Type Change Date | Jun 1, 2030 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3% |
| Max Rate At Change | 10.7% |
| Index | Other |
| Margin | 3 |
| Max Rate | 10.7% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Aug 11, 2022 |
| Property Address | 1205 VIRGINIA AVE, SAINT CLOUD, FL 34769-3842 |
| Document Number | 0062671617 |
| Book / Page | 6267 / 1617 |
| Map Reference | MB B PG 33&34 |
| Instrument Date | Aug 10, 2022 |
| Instrument | 2022123305 |
| Transaction Type | Transfer |
| Record Updated | Aug 23, 2022 |
| Title Company | NOT AVAILABLE, ROSEMONT TITLE INS AGCY LLC |
| Amount | Amount on Record |
|---|---|
| Tax | $1,169.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PASEO 98 GRAN VISTA 1, GURABO XX |
| Name | Verified Name |
|---|---|
| Address | 1309 CLEAR BROOK PL, SAINT CLOUD, FL 34772-6537 |
The 2025 property tax bill for 1205 Virginia Ave was $2,062 with a homeowner's exemption, down 22.7% from the year before.
Source: Osceola County assessment roll, as of November 26, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,062.00 (-22.71%) Homeowner's exemption | $158,100 Land $92,700 Building $65,400 | $158,100 Land $92,700 Building $65,400 |
| 2024 | $2,668.00 (+10.71%) | ||
| 2023 | $2,410.00 (+383.94%) | $133,600 (+130.25%) Land $70,400 Building $63,200 | $133,600 (+16.48%) Land $70,400 Building $63,200 |
| 2022 | $498.00 Homeowner's exemption | $58,025 | $114,700 Land $58,700 Building $56,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 1205 Virginia Ave in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1983.
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 File 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 risk around 1205 Virginia Ave is low, with less than a 0.01% annual chance of 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.
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 |
| 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.
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 |
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