Osceola County property record for 1323 Florida Ave, Saint Cloud, FL 34769 · Last verified December 2025
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,053 sqft · built 1924 |
| Lot Size | 0.1 acres (4,356 sqft) |
| Owner | Individual Name on File |
| Last Sale | $310,000 (Dec 2023) |
| Tax Bill | $2,126 (2025) |
| Deeds & Mortgages | Dec 2023 Sale & Mortgage Jan 2022 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 78522 |
| Primary APN | 78522 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,053 sqft Heated Area |
| Gross Area | 1,554 sqft |
| 1st Floor Area | 861 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplace | Fireplace |
| Year Built | Built 1924 |
|---|---|
| Effective Year Built | Effective 1990 |
| Exterior Material | Aluminum Siding |
| Foundation Type | Pier/Post & Beam |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 4,356 sqft (0.1 acres) |
| Lot Dimensions | 83 ft deep x 50 ft wide |
| Garage Type | Carport |
| Carport | Carport |
| Porch | Porch |
|---|---|
| Porch Area | 192 sqft |
| Patio Area | 74 sqft |
| Utility Building | 221 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 78522 |
|---|---|
| Street Address | 1323 FLORIDA AVE |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-4421 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ST CLOUD PB B PG 34 BLK 243 W 83 FT LOTS 13 & 14 11/26/30 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD |
| Legal Tract | 1 |
| Legal Block | 243 |
| Legal Lot Number | 13 14 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 4 |
| Census Block | 4061 |
| Census Tract | 43500 |
Source: Osceola County records · APN 78522
Assessment roll updated July 1, 2025 · Last verified December 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 File |
|---|---|
| Mailing Address | 1323 FLORIDA AVE, SAINT CLOUD, FL 34769-4421 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 11, 2023 | Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE |
| Jan 14, 2022 | Warranty Deed, Transfer TITLE WAREHOUSE/AMERICA INC, TITLE WAREHOUSES OF AMERICA |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Dec 11, 2023 · Amount on Record |
| Deed Sale | Dec 11, 2023 · Amount on Record |
| Prior Sale | Jan 14, 2022 · Amount on Record |
| Deed Document Number | 2023160554 |
| Deed Book / Page | 6516 / 1849 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Dec 11, 2023 |
| Property Address | 1323 FLORIDA AVE, SAINT CLOUD, FL 34769-4421 |
| Document Number | 0065161849 |
| Book / Page | 6516 / 1849 |
| Map Reference | MB B PG 33 |
| Instrument Date | Nov 29, 2023 |
| Instrument | 2023160554 |
| Transaction Type | Transfer |
| Record Updated | Jan 04, 2024 |
| Title Company | CELEBRATION TITLE GROUP |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,170.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 10724 BONNE CHANCE DR, ORLANDO, FL 32832-5131 |
| Name | Verified Name |
|---|---|
| Address | 1323 FLORIDA AVE, SAINT CLOUD, FL 34769-4421 |
| Document Number | 0065161853 |
|---|---|
| Date | Dec 11, 2023 |
| Instrument | 6516/1853 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 337 Months |
| Due | Jan 01, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jan 14, 2022 |
| Property Address | 1323 FLORIDA AVE, SAINT CLOUD, FL 34769-4421 |
| Document Number | 0061292661 |
| Book / Page | 6129 / 2661 |
| Map Reference | MB B PG 33 |
| Instrument Date | Dec 20, 2021 |
| Instrument | 2022008122 |
| Transaction Type | Transfer |
| Record Updated | Jan 31, 2022 |
| Title Company | TITLE WAREHOUSE/AMERICA INC, TITLE WAREHOUSES OF AMERICA |
| Amount | Amount Recorded |
|---|---|
| Tax | $840.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3272 ABIAKA DR, 3272, KISSIMMEE, FL 34743-6020 |
| Name | Verified Name |
|---|---|
| Address | 2427 RUDDERSTONE WAY, KISSIMMEE, FL 34744-8479 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,126.00 (-21.67%) Homeowner's exemption | $161,655 (+7.41%) | $162,400 (+7.91%) Land $49,700 Building $112,700 |
| 2023 | $2,714.00 (+65.29%) | $150,500 (+65.57%) Land $40,200 Building $110,300 | $150,500 (+65.57%) Land $40,200 Building $110,300 |
| 2022 | $1,642.00 | $90,900 Land $30,200 Building $60,700 | $90,900 Land $30,200 Building $60,700 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970435004, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Flood Insurance Cost | Premium on Record median of 15 individual NFIP policies nearby |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 15 in force 11 of 15 on primary residences |
| Nearby Flood Claims | 2 (1983–2003) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Aug 2003, tidal / storm surge |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
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.
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