1319 Oregon Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 1319 Oregon Ave, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 702 sqft · built 1954
Lot Size	0.13 acres (5,663 sqft)
Owner	Individual Name on Record
Last Sale	$179,000 (Sep 2021)
Tax Bill	$1,527 (2025)
Deeds & Mortgages	Sep 2021 Sale & Mortgage May 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`78455`

Property Details

APN / Parcel Number

Primary APN	`78455`
Alternative APN	`012630000102330150`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	702 sqft Heated Area
Gross Area	999 sqft
1st Floor Area	702 sqft
Flooring	Vinyl/Resilient
Interior Walls	Plaster

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1984
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	5,663 sqft (0.13 acres)
Lot Dimensions	150 ft deep x 37 ft wide
Porch	Finished/Screened Porch
Porch Area	297 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Account Number	78455
Street Address	1319 OREGON AVE
City	SAINT CLOUD
State	FL
Zip	34769-4662
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SHB
Legal Description	ST CLOUD PB B PG 34 BLK 233 N1/2 LOT 15 & ALL LOT 16 12-26-30
Legal Range	30E
Legal Township	26S
Legal Section	01
Legal Subdivision	ST CLOUD
Legal Tract	1
Legal Block	233
Legal Lot Number	16
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	4
Census Block	4047
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
Co-owner	Co-owner on Record
Mailing Address	1319 OREGON AVE, SAINT CLOUD, FL 34769-4662
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 1, 2021	Warranty Deed, Transfer · FHA Mortgage PARAMOUNT RESIDENTIAL MORTGAGE GROU
May 1, 2018	Warranty Deed, Transfer · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 1, 2021 · Amount on Record
Deed Sale	Sep 1, 2021 · Amount on Record
Prior Sale	May 1, 2018 · Amount on Record
Deed Document Number	2021135661
Deed Book / Page	6034 / 773
Record Updated	Jun 8, 2026

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 1, 2021
Property Address	1319 OREGON AVE, SAINT CLOUD, FL 34769-4662
Document Number	0060340773
Book / Page	6034 / 773
Map Reference	MB B PG 33&34
Instrument Date	Aug 27, 2021
Instrument	2021135661
Transaction Type	Transfer
Record Updated	Sep 15, 2021
Title Company	LAND TITLE CORPORATION, LAND TITLE PROFESSIONALS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,253.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	606 CALIFORNIA AVE, 606, SAINT CLOUD, FL 34769-3121

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1319 OREGON AVE, SAINT CLOUD, FL 34769-4662

Mortgage

Document Number	6034775
Date	Sep 1, 2021
Instrument	6034/775

Lender

Name	PARAMOUNT RESIDENTIAL MORTGAGE GROU
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2051

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 1, 2018
Property Address	1319 OREGON AVE, SAINT CLOUD, FL 34769-4662
Document Number	0053260750
Book / Page	5326 / 0750
Map Reference	MB B PG33&34
Instrument Date	Apr 23, 2018
Instrument	2018069374
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	INFINITY TITLE GROUP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$804.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	239 SUE AVE, 239, DAVENPORT, FL 33897-9456

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	606 CALIFORNIA AVE, SAINT CLOUD, FL 34769-3121

Mortgage

Document Number	2018069375
Date	May 1, 2018
Instrument	2018069375

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2048

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	$1,527.00 (+9.23%) Homeowner's exemption	$128,206 (+7.03%)	$153,100 (+11.35%) Land $60,700 Building $92,400
2023	$1,398.00 (+4.64%) Homeowner's exemption	$119,789 (+3%)	$137,500 (+18.23%) Land $49,200 Building $88,300
2022	$1,336.00 Homeowner's exemption	$116,300 Land $41,000 Building $75,300	$116,300 Land $41,000 Building $75,300

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 98% of the US · lower than 97.6% 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 314 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
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Blue Stream.

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