1401 Vermont Ave, Saint Cloud, FL 34769 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,258 sqft · built 1962
Lot Size	0.17 acres (7,405 sqft)
Owner	Individual Name on File
Last Sale	$224,900 (Mar 2021)
Tax Bill	$4,680 (2025)
Deeds & Mortgages	Mar 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-26-30-0001-0270-0230`

Property Details

APN / Parcel Number

Primary APN	`01-26-30-0001-0270-0230`
Alternative APNs	`263001000102700230` `78701`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,258 sqft Living Area
Gross Area	1,664 sqft
1st Floor Area	1,258 sqft
Flooring	Tile
Interior Walls	Plaster

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1992
Architectural Style	Conventional
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,405 sqft (0.17 acres)
Lot Dimensions	150 ft deep x 50 ft wide
Garage Type	Carport
Garage Area	234 sqft
Carport	Carport
Carport Area	234 sqft
Porch	Metal Porch
Porch Area	270 sqft
Utility Building	63 sqft

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	Floor/Wall Furnace

Location & Zoning

Street Address	1401 VERMONT AVE
City	SAINT CLOUD
State	FL
Zip	34769-4254
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR2
Legal Description	ST CLOUD PB B PG 34 BLK 270 LOTS 23 & 24 11-26-30 LESS BEG AT NW COR LOT 24 BLK 270, S 25 FT, TO PT OF CUSP OF CURVE, CONC SELY, RAD 30 FT, CENT ANG 56 DEG (CHORD BEARING N 28 DEG E 28.38 FT), RUN NELY ALONG CURVE FOR 29.56 FT TO S/L R/W OF 14TH ST,
Legal Range	30E
Legal Township	26S
Legal Section	01
Legal Subdivision	ST CLOUD 2ND PLAT TOWN OF
Legal Tract	1
Legal Block	270
Legal Lot Number	23
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2047
Census Tract	43400

Owner

1401 Vermont Ave is owned and occupied by an individual who bought it in March 2021.

Source: Osceola County records, as of May 11, 2026

Owner of Record	Individual Name on File
Mailing Address	1401 VERMONT AVE, SAINT CLOUD, FL 34769-4254
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 18, 2021 · Amount on File
Deed Sale	Mar 18, 2021 · Amount on File
Prior Sale	Oct 2, 2007 · Amount on File
Deed Document Number	202140415
Deed Book / Page	5915 / 539
Record Updated	Oct 29, 2026

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 18, 2021
Property Address	1401 VERMONT AVE, SAINT CLOUD, FL 34769-4254
Document Number	0059150539
Book / Page	5915 / 539
Map Reference	MB B PG 33&34
Instrument Date	Mar 17, 2021
Instrument	2021040415
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	A CLEAR CHOICE TITLE AND ESCROW, A CLEAR CHOICE T&E OF OSCEOL

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,574.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	235 VERMONT AVE, 235, SAINT CLOUD, FL 34769-2213

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1401 VERMONT AVE, SAINT CLOUD, FL 34769-4254

Mortgage

Document Number	0005915540
Date	Mar 18, 2021
Instrument	5915/540

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 1401 Vermont Ave was $4,680, up 7.3% from the year before.

Source: Osceola County assessment roll, as of November 26, 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	$4,680.00 (+7.34%)	$261,300 Land $46,800 Building $214,500	$261,300 Land $46,800 Building $214,500
2024	$4,360.00 (+9.05%)
2023	$3,998.00 (+12.43%)	$233,100 (+18.26%) Land $42,500 Building $190,600	$233,100 (+18.26%) Land $42,500 Building $190,600
2022	$3,556.00	$197,100 Land $35,100 Building $162,000	$197,100 Land $35,100 Building $162,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1401 Vermont Ave in Zone X, an area of minimal flood risk.

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 File median of 18 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	18 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.

Wildfire

Wildfire risk around 1401 Vermont Ave is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.8% of the US · lower than 99.7% 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 470 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
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20