Osceola County property record for 1401 Virginia Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4 ba · 2,251 sqft · built 1909 |
| Lot Size | 0.169 acres (7,405 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $138,000 (Mar 2016) |
| Tax Bill | $4,899 (2025) |
| Deeds & Mortgages | Sep 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 78856 |
| Primary APN | 78856 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4 Baths |
| Stories | 2 Stories |
| Building Area | 2,251 sqft Heated Area |
| Gross Area | 2,749 sqft |
| 1st Floor Area | 1,627 sqft |
| Upper Floors Area | 624 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1909 |
|---|---|
| Effective Year Built | Effective 1975 |
| Exterior Material | Siding |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 7,405 sqft (0.169 acres) |
| Lot Dimensions | 150 ft deep x 50 ft wide |
| Garage Type | Finished |
| Garage Area | 336 sqft |
| Parking Spaces | 1 Parking Space |
| Pool Area | 420 sqft |
|---|---|
| Porch | Enclosed Porch |
| Porch Area | 162 sqft |
| Deck Area | 588 sqft |
| Fence | Fence |
| Utility Building | 80 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 78856 |
|---|---|
| Street Address | 1401 VIRGINIA AVE |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-4518 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR2 |
| Legal Description | ST CLOUD PB B PG 34 BLK 285 LOTS 23 & 24 12/26/30 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD |
| Legal Tract | 1 |
| Legal Block | 285 |
| Legal Lot Number | 23 24 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 4 |
| Census Block | 4055 |
| Census Tract | 43500 |
1401 Virginia Ave is owned and occupied by two individuals who bought it in March 2016.
Source: Osceola County records, as of December 11, 2025
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1401 VIRGINIA AVE, SAINT CLOUD, FL 34769-4518 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 15, 2016 · Amount on File |
| Deed Sale | Mar 15, 2016 · Amount on File |
| Prior Sale | Feb 8, 2007 · Amount on File |
| Deed Document Number | 2016037500 |
| Deed Book / Page | 4928 / 1040 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1401 VIRGINIA AVE, SAINT CLOUD, FL 34769-4518 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0055831136 |
|---|---|
| Date | Sep 5, 2019 |
| Book Page | 5583/1136 |
| Instrument | 2019113532 |
| Name | CENTERSTONE SBA LENDING INC |
|---|---|
| Type | Lending Institution |
| Address | LOS ANGELES, CA 90017 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 1401 Virginia Ave was $4,899.
Source: Osceola County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,899.00 | $298,000 Land $46,800 Building $251,200 | $298,000 Land $46,800 Building $251,200 |
| 2023 | $4,169.00 (+11.17%) | $262,500 (+13.73%) Land $42,500 Building $220,000 | $262,500 (+13.73%) Land $42,500 Building $220,000 |
| 2022 | $3,750.00 | $230,800 Land $35,100 Building $195,700 | $230,800 Land $35,100 Building $195,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1401 Virginia Ave in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1983.
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 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 risk around 1401 Virginia Ave is low, with a 0.04% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 93% of Florida |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
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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