1312 Illinois Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 1312 Illinois Ave, Saint Cloud, FL 34769

Property Summary

Property Type	Neighborhood Shopping Center, Strip Center
Details	3,665 sqft · built 2002
Lot Size	0.48 acres (20,909 sqft)
Owner	Company Name on Record
Last Sale	$41,000 (Apr 2001)
Tax Bill	$10,567 (2025)
Deeds & Mortgages	Oct 2022 Line of Credit Oct 2022 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`78503`

Property Details

APN / Parcel Number

Primary APN	`78503`
Alternative APN	`012630000102410070`

Interior

Plumbing Fixtures	9 Plumbing Fixtures
Stories	1 Story
Building Area	3,665 sqft Heated Area
Gross Area	5,500 sqft
1st Floor Area	3,665 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2005
Exterior Material	Stucco
Construction Type	Frame
Fire Resistance	Fireproof Steel Frame
Foundation Type	Footing
Roof Type	Steel Frame/Truss
Roof Material	Rolled Roofing
Lot Area	20,909 sqft (0.48 acres)
Lot Dimensions	140 ft deep x 75 ft wide
Canopy	500 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	78503
Street Address	1312 ILLINOIS AVE
City	SAINT CLOUD
State	FL
Zip	34769-4506
Property Category	Commercial
Property Type	Commercial > Retail > Neighborhood Shopping Center, Strip Center
Local Zoning Code	SHB
Legal Description	ST CLOUD PB B PG 34 BLK 241 LOTS 7-12 11/26/30
Legal Range	30E
Legal Township	26S
Legal Section	01
Legal Subdivision	ST CLOUD
Legal Tract	1
Legal Block	241
Legal Lot Number	7 8
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	4
Census Block	4059
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	Company Name on Record
Mailing Address	1630 CAROLYN CT, SAINT CLOUD, FL 34769-5544
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Oct 27, 2022	Deed of Trust, Mortgage · Line of Credit CENTENNIAL BANK
Oct 27, 2022	Deed of Trust, Mortgage · Line of Credit CENTENNIAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 20, 2001 · Amount on Record
Deed Sale	Apr 20, 2001 · Amount on Record
Prior Sale	Jan 3, 1996
Deed Document Number	0186201300
Deed Book / Page	01862 / 01300
Record Updated	Jun 8, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1312 ILLINOIS AVE, SAINT CLOUD, FL 34769-4506
Transaction Type	Mortgage
Record Updated	Nov 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	131 E 13TH ST, SAINT CLOUD, FL 34769-4749

Mortgage

Document Number	0063061798
Date	Oct 27, 2022
Book Page	6306/1798
Instrument	2022158618

Lender

Name	CENTENNIAL BANK
Type	Bank
Address	SAINT CLOUD, FL 34769

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	24 Months
Due	Oct 20, 2024

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1312 ILLINOIS AVE, SAINT CLOUD, FL 34769-4506
Transaction Type	Mortgage
Record Updated	Nov 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	131 E 13TH ST, SAINT CLOUD, FL 34769-4749

Mortgage

Document Number	0063061689
Date	Oct 27, 2022
Book Page	6306/1689
Instrument	2022158599

Lender

Name	CENTENNIAL BANK
Type	Bank
Address	SAINT CLOUD, FL 34769

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	24 Months
Due	Oct 21, 2024

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	$10,567.00 (+18.19%)	$713,200 (+16.35%) Land $226,800 Building $486,400	$713,200 (+16.35%) Land $226,800 Building $486,400
2023	$8,941.00 (+17.55%)	$613,000 (+32.83%) Land $183,700 Building $429,300	$613,000 (+32.83%) Land $183,700 Building $429,300
2022	$7,606.00	$461,500 Land $153,100 Building $308,400	$461,500 Land $153,100 Building $308,400

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 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 96% of the US · lower than 96% 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 309 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	8,000 / 8,000
Spectrum Cable	1,000 / 1,000
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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