Osceola County property record for 1207 Minnesota Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,498 sqft · built 2018 |
| Lot Size | 0.189 acres (8,276 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $245,000 (Mar 2019) |
| Tax Bill | $3,057 (2025) |
| Deeds & Mortgages | Aug 2023 Mortgage Aug 2021 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 78349 |
| Primary APN | 78349 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,498 sqft Heated Area |
| Gross Area | 2,112 sqft |
| 1st Floor Area | 1,498 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2018 |
|---|---|
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 8,276 sqft (0.189 acres) |
| Lot Dimensions | 140 ft deep x 60 ft wide |
| Garage Type | Finished |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 174 sqft |
| Fence | Fence |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 78349 |
|---|---|
| Street Address | 1207 MINNESOTA AVE |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-3653 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SHB |
| Legal Description | ST CLOUD PB B PG 34 BLK 217 LOTS 21, 22 & N 10 FT LOT 20 2/26/30 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD HWY CENTRAL |
| Legal Tract | 1 |
| Legal Block | 217 |
| Legal Lot Number | 2,20-22 22 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1037 |
| Census Tract | 43400 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the St. Cloud Downtown Historic District listed 2023 · 177 contributing resources · NRIS 100009031 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
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 |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 1207 MINNESOTA AVE, SAINT CLOUD, FL 34769-3653 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 22, 2023 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Aug 25, 2021 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Mar 4, 2020 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Mar 11, 2019 | Warranty Deed, Transfer · FHA Mortgage 1ST FINANCIAL INC |
| Mar 17, 2017 | Warranty Deed, Transfer STEWART TITLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 11, 2019 · Amount on Record |
| Deed Sale | Mar 11, 2019 · Amount on Record |
| Prior Sale | Mar 17, 2017 · Amount on Record |
| Deed Document Number | 2019030985 |
| Deed Book / Page | 5489 / 1965 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1207 MINNESOTA AVE, SAINT CLOUD, FL 34769-3653 |
| Transaction Type | Mortgage |
| Record Updated | Sep 1, 2023 |
| Name | Verified Name |
|---|---|
| Address | 1207 MINNESOTA AVE, SAINT CLOUD, FL 34769-3653 |
| Document Number | 0064612685 |
|---|---|
| Date | Aug 22, 2023 |
| Book Page | 6461/2685 |
| Instrument | 2023110443 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 337 Months |
| Due | Sep 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1207 MINNESOTA AVE, SAINT CLOUD, FL 34769-3653 |
| Transaction Type | Mortgage |
| Record Updated | Sep 7, 2021 |
| Name | Verified Name |
|---|---|
| Address | 1207 MINNESOTA AVE, SAINT CLOUD, FL 34769-3653 |
| Document Number | 0060300457 |
|---|---|
| Date | Aug 25, 2021 |
| Book Page | 6030/457 |
| Instrument | 2021132426 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | WEST PALM BEACH, FL 33411 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1207 MINNESOTA AVE, SAINT CLOUD, FL 34769-3653 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0056852219 |
|---|---|
| Date | Mar 4, 2020 |
| Book Page | 5685/2219 |
| Instrument | 2020031793 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Mar 11, 2019 |
| Property Address | 1207 MINNESOTA AVE, SAINT CLOUD, FL 34769-3653 |
| Document Number | 0054891965 |
| Book / Page | 5489 / 1965 |
| Map Reference | MB B PG 33 |
| Instrument Date | Mar 8, 2019 |
| Instrument | 2019030985 |
| Transaction Type | Transfer |
| Record Updated | Feb 8, 2022 |
| Title Company | STEWART TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,715.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2663 SHERRY CIR, 2663, KISSIMMEE, FL 34744-3055 |
| Name | Verified Name |
|---|---|
| Address | 1207 MINNESOTA AVE, SAINT CLOUD, FL 34769-3653 |
| Document Number | 2019030986 |
|---|---|
| Date | Mar 11, 2019 |
| Instrument | 2019030986 |
| Name | 1ST FINANCIAL INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Mar 17, 2017 |
| Property Address | 1207 MINNESOTA AVE, SAINT CLOUD, FL 34769-3653 |
| Document Number | 0051180989 |
| Book / Page | 005118 / 000989 |
| Instrument Date | Mar 16, 2017 |
| Instrument | 41583 |
| Transaction Type | Transfer |
| Record Updated | Apr 12, 2017 |
| Title Company | STEWART TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $140.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 7124 VISTA PARK BLVD ORLANDO FL 328297662, ORLANDO, FL 32829-7662 |
Source: Osceola County assessment roll, as of July 1, 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 | $3,057.00 (+8.98%) Homeowner's exemption | $213,700 (+7.96%) | $278,400 (+9.35%) Land $66,300 Building $212,100 |
| 2023 | $2,805.00 (+3.74%) Homeowner's exemption | $197,938 (+3%) | $254,600 (+18.03%) Land $50,400 Building $204,200 |
| 2022 | $2,704.00 Homeowner's exemption | $192,173 | $215,700 Land $42,000 Building $173,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 12 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 12 in force |
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.
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 526 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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