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1206 Virginia Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 1206 Virginia Ave, Saint Cloud, FL 34769

Property Summary

Property TypeSingle Family Home
Details2 bd · 1 ba · 860 sqft · built 1920
Lot Size0.129 acres (5,619 sqft)
Owner2 Individual Names on Record
Last Sale$155,000 (Jan 2021)
Tax Bill$1,528 (2025)
Deeds & MortgagesApr 2026 Mortgage
Jan 2021 Sale & Mortgage
+ 2 more
Flood ZoneZone X (minimal risk)
APN01-26-30-0001-0226-0030

Property Details

APN / Parcel Number

Primary APN01-26-30-0001-0226-0030
Alternative APNs
  • 263001000102260030
  • 78408

Interior

Bedrooms2 Beds
Full Baths1 Bath
Stories1 Story
Building Area860 sqft Living Area
Gross Area932 sqft
1st Floor Area600 sqft
FlooringWood
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1920
Effective Year BuiltEffective 1999
Architectural StyleL-Shape
Exterior MaterialAluminum Siding
Construction TypeFrame
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area5,619 sqft (0.129 acres)
Lot Dimensions150 ft deep x 37 ft wide
PorchFlorida Room
Porch Area260 sqft
Deck Area100 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address1206 VIRGINIA AVE
CitySAINT CLOUD
StateFL
Zip34769-3843
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeSHB
Legal DescriptionST CLOUD PB B PG 34 BLK 226 LOT 3 & N1/2 LOT 4 1-26-30
Legal Range30E
Legal Township26S
Legal Section01
Legal SubdivisionST CLOUD 2ND PLAT TOWN OF
Legal Tract1
Legal Block226
Legal Lot Number3
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group4
Census Block4023
Census Tract43500

Owner

Source: Osceola County records, as of April 23, 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 Record
Mailing Address1206 VIRGINIA AVE, SAINT CLOUD, FL 34769-3843
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Apr 10, 2026Deed of Trust, Mortgage · Conventional Mortgage
ROCKET MORTGAGE LLC
Jan 11, 2021Warranty Deed, Transfer · FHA Mortgage
TRUST MORTGAGE LENDING CORP
Aug 14, 2020Warranty Deed, Transfer · Commercial Mortgage
LENDINGHOME FUNDING CORP
Aug 14, 2020Quit Claim Deed, Transfer
LAND TITLE CORPORATION, LAND TITLE PROFESSIONALS INC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJan 11, 2021 · Amount on Record
Deed SaleJan 11, 2021 · Amount on Record
Prior SaleAug 14, 2020 · Amount on Record
Deed Document Number20213792
Deed Book / Page5868 / 128
Prior Transfer DateAug 4, 2020
Prior Transfer Doc0057740550
Record UpdatedJun 8, 2026

April 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Recording DateApr 10, 2026
Property Address1206 VIRGINIA AVE, SAINT CLOUD, FL 34769-3843
Document Number0069531726
Book / Page6953 / 1726
Instrument DateApr 6, 2026
Instrument202648051
Transaction TypeMortgage
Record UpdatedJul 12, 2026
Title CompanyROCKET MORTGAGE

Transferred To (Grantee/Buyer)

NameVerified Name
Address1206 VIRGINIA AVE, SAINT CLOUD, FL 34769-3843

Mortgage

Document Number0000048051,
DateApr 10, 2026
Book Page6953/1726
Instrument202648051
Lender
NameROCKET MORTGAGE LLC
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term240 Months
DueMay 1, 2046
Interest
Rate TypeFixed Rate
Rate6%
Initial TypeFixed Rate
Max Rate-1%

January 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateJan 11, 2021
Property Address1206 VIRGINIA AVE, SAINT CLOUD, FL 34769-3843
Document Number0058680128
Book / Page5868 / 128
Map ReferenceMB B PG 33&34
Instrument DateDec 30, 2020
Instrument2021003792
Transaction TypeTransfer
Record UpdatedAug 1, 2022
Title CompanyEQUITABLE TITLE/CELEBRATION, EQUITABLE TTL OF CELEBRATION

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,085.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address149 SVILLIVAR ST #3B3B, 149, NEW YORK, NY 10012

Transferred To (Grantee/Buyer)

NameVerified Name
Address1206 VIRGINIA AVE, SAINT CLOUD, FL 34769-3843

Mortgage

Document Number0005868131
DateJan 11, 2021
Instrument5868/131
Lender
NameTRUST MORTGAGE LENDING CORP
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueJan 1, 2051

August 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateAug 14, 2020
Property Address1206 VIRGINIA AVE, SAINT CLOUD, FL 34769-3843
Document Number0057740552
Book / Page5774 / 552
Map ReferenceMB B P PG 33&34
Instrument DateAug 10, 2020
Instrument2020107113
Transaction TypeTransfer
Record UpdatedAug 1, 2022
Title CompanyLAND TITLE PROFESSIONALS LLC

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$770.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address3019 SAND STONE CIR, 3019, SAINT CLOUD, FL 34772-6527

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0005774554
DateAug 14, 2020
Instrument5774/554
Lender
NameLENDINGHOME FUNDING CORP
TypeMortgage Company
Agreement
TypeCommercial Mortgage
AmountAmount Recorded

August 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionOSCEOLA FL
Recording DateAug 14, 2020
Property Address1206 VIRGINIA AVE, SAINT CLOUD, FL 34769-3843
Document Number0057740550
Book / Page005774 / 000550
Instrument DateAug 4, 2020
Instrument107112
Transaction TypeTransfer
Record UpdatedSep 3, 2020
Title CompanyLAND TITLE CORPORATION, LAND TITLE PROFESSIONALS INC

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address1206 VIRGINIA AVE ST CLOUD FL 347693843, ST CLOUD, FL 34769-3843

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$1,528.00 (+3.95%) Homeowner's exemption$128,269 (+5.99%)$157,800 (+13.53%) Land $69,500 Building $88,300
2024$1,470.00 (+3.52%)
2023$1,420.00 (+4.57%) Homeowner's exemption$121,025 (+3%)$139,000 (+18.3%) Land $52,800 Building $86,200
2022$1,358.00 Homeowner's exemption$117,500 Land $44,000 Building $73,500$117,500 Land $44,000 Building $73,500

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 15 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies15 in force
Nearby Flood Claims2 (1983–2003)
Claims Outside the SFHA1 of 2
Most Recent ClaimAug 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 RiskLow
lower than 94% of the US · lower than 95% of Florida
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 SystemST. CLOUD, CITY OF (3 WPS)
serves 82,752 people · EPA ID FL3491373
Water SourceGroundwater
Last State InspectionJul 2025
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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

ProviderMax 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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