1401 Ohio Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 1401 Ohio Ave, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	5 bd · 2 ba · 1,456 sqft · built 1910
Lot Size	0.16 acres (6,970 sqft)
Owner	Individual Name on File
Last Sale	$190,000 (Oct 2019)
Tax Bill	$1,732 (2025)
Deeds & Mortgages	May 2022 Mortgage Jul 2023 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`78818`

Property Details

APN / Parcel Number

Primary APN	`78818`
Alternative APN	`012630000102810230`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,456 sqft Heated Area
Gross Area	2,576 sqft
1st Floor Area	796 sqft
Upper Floors Area	660 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1985
Exterior Material	Vinyl
Foundation Type	Pier/Post & Beam
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	6,970 sqft (0.16 acres)
Lot Dimensions	140 ft deep x 50 ft wide
Garage Type	Finished
Garage Area	768 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	240 sqft
Patio Area	180 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	78818
Street Address	1401 OHIO AVE
City	SAINT CLOUD
State	FL
Zip	34769-4439
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR3
Legal Description	ST CLOUD PB B PG 34 BLK 281 LOTS 23 & 24 11/26/30
Legal Range	30E
Legal Township	26S
Legal Section	01
Legal Subdivision	ST CLOUD
Legal Tract	1
Legal Block	281
Legal Lot Number	23 24
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	4
Census Block	4081
Census Tract	43500

Owner

Source: Osceola County assessment roll, as of July 1, 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	1401 OHIO AVE, SAINT CLOUD, FL 34769-4439
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 23, 2022	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Jul 28, 2023	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Oct 1, 2019	Grant Deed, Transfer · FHA Mortgage MICHIGAN MUTUAL
Oct 10, 2018	Grant Deed, Foreclosure · Construction Mortgage PEAK EQUITY GROUP LLC
Sep 11, 2018	Trustee's Deed, Foreclosure

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Oct 1, 2019 · Amount on Record
Deed Sale	Oct 1, 2019 · Amount on Record
Prior Sale	Oct 10, 2018 · Amount on Record
Deed Document Number	2019126359
Deed Book / Page	5598 / 0002
Record Updated	Jun 8, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1401 OHIO AVE, SAINT CLOUD, FL 34769-4439
Transaction Type	Mortgage
Record Updated	Sep 20, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1401 OHIO AVE, SAINT CLOUD, FL 34769-4439

Mortgage

Document Number	0062190574
Date	May 23, 2022
Book Page	6219/574
Instrument	2022081168

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	MOORPARK, CA 93021

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	347 Months
Due	Apr 1, 2051

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1401 OHIO AVE, SAINT CLOUD, FL 34769-4439
Transaction Type	Mortgage
Record Updated	Sep 20, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1401 OHIO AVE, SAINT CLOUD, FL 34769-4439

Mortgage

Document Number	0064472418
Date	Jul 28, 2023
Book Page	6447/2418
Instrument	2023097443

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	MOORPARK, CA 93021

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	333 Months
Due	Apr 1, 2051

October 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 1, 2019
Property Address	1401 OHIO AVE, SAINT CLOUD, FL 34769-4439
Document Number	0055980002
Book / Page	005598 / 000002
Instrument Date	Sep 27, 2019
Instrument	126359
Transaction Type	Transfer
Record Updated	Oct 18, 2019
Title Company	LAND TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,330.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1401 OHIO AVE ST CLOUD FL 347694439, ST CLOUD, FL 34769-4439

Mortgage

Document Number	55980003
Date	Oct 1, 2019
Book Page	005598/000003
Instrument	126360

Lender

Name	MICHIGAN MUTUAL
Type	Funding / Finance Company
Address	PORT HURON, MI 48060

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 30, 2049

October 2018: Grant Deed, Foreclosure

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 10, 2018
Property Address	1401 OHIO AVE, SAINT CLOUD, FL 34769-4439
Document Number	0054151077
Book / Page	005415 / 001077
Instrument Date	Oct 9, 2018
Instrument	152193
Transaction Type	Foreclosure
Record Updated	Oct 26, 2018
Title Company	OTHER

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$991.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	4417 13TH ST #117 ST CLOUD FL 347696724, 117, ST CLOUD, FL 34769-6724

Mortgage

Document Number	54151078
Date	Oct 10, 2018
Book Page	005415/001078
Instrument	152194

Lender

Name	PEAK EQUITY GROUP LLC
Type	Bank
Address	LENEXA, KS 66215

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Oct 9, 2019

September 2018: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 11, 2018
Property Address	1401 OHIO AVE, SAINT CLOUD, FL 34769-4439
Document Number	0053981611
Book / Page	005398 / 001611
Instrument Date	Aug 28, 2018
Instrument	135989
Transaction Type	Foreclosure
Record Updated	Sep 20, 2018

Transaction

Amount	Amount Recorded
Tax	$831.60
Amount Accuracy	Confirmed
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Corporate Trust
Address	2500 OAK ST KISSIMMEE FL 347444943, KISSIMMEE, FL 34744-4943

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	$1,732.00 (+7.31%) Homeowner's exemption	$139,668 (+5.99%)	$212,200 (+17.11%) Land $46,800 Building $165,400
2023	$1,614.00 (+4.4%) Homeowner's exemption	$131,779 (+3%)	$181,200 (+12.13%) Land $34,000 Building $147,200
2022	$1,546.00 Homeowner's exemption	$127,941	$161,600 Land $30,600 Building $131,000

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

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)
Lumen Technologies 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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