1403 Wyoming Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 1403 Wyoming Ave, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,248 sqft · built 1920
Lot Size	0.169 acres (7,405 sqft)
Owner	Trust Name on File
Last Sale	$197,500 (May 2018)
Tax Bill	$5,611 (2025)
Deeds & Mortgages	Oct 2019 Mortgage Jan 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`78892`

Property Details

APN / Parcel Number

Primary APN	`78892`
Alternative APN	`012630000102890230`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,248 sqft Heated Area
Gross Area	1,340 sqft
1st Floor Area	2,232 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1975
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Pier/Post & Beam
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	Carport
Carport	Carport
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Open Porch
Porch Area	108 sqft
Patio Area	192 sqft
Fence	Fence
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	78892
Street Address	1403 WYOMING AVE
City	SAINT CLOUD
State	FL
Zip	34769-4645
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR2
Legal Description	ST CLOUD PB B PG 34 BLK 289 LOTS 23 & 24 12/26/30
Legal Range	30E
Legal Township	26S
Legal Section	01
Legal Subdivision	ST CLOUD
Legal Tract	1
Legal Block	289
Legal Lot Number	23 24
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	4
Census Block	4051
Census Tract	43500

Owner

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	Trust Name on File
Mailing Address	64 PASSAIC AVE APT 414, 414, KEARNY, NJ 07032-1163
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Oct 10, 2019	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Jan 6, 2021	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
May 10, 2018	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA
Aug 14, 2017	Deed of Trust, Mortgage · Line of Credit CENTERSTATE BK/FL

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 10, 2018 · Amount on File
Deed Sale	May 10, 2018 · Amount on File
Prior Sale	Jul 21, 2015 · Amount on File
Deed Document Number	2018074306
Deed Book / Page	5331 / 1197
Record Updated	Jun 8, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1403 WYOMING AVE, SAINT CLOUD, FL 34769-4645
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0056032667
Date	Oct 10, 2019
Book Page	5603/2667
Instrument	2019131099

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Sep 1, 2049

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1403 WYOMING AVE, SAINT CLOUD, FL 34769-4645
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0058660088
Date	Jan 6, 2021
Book Page	5866/88
Instrument	2021002128

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	179 Months
Due	Dec 1, 2035

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 10, 2018
Property Address	1403 WYOMING AVE, SAINT CLOUD, FL 34769-4645
Document Number	0053311197
Book / Page	5331 / 1197
Map Reference	MB B PG33-34
Instrument Date	May 7, 2018
Instrument	2018074306
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	STEWART TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,382.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	23 EDGEWOOD RD, 23, SUMMIT, NJ 07901-3903

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Living Trust
Address	717 DEXTER AVE N APT 107, 107, SEATTLE, WA 98109-4362

Mortgage

Document Number	2018074307
Date	May 10, 2018
Instrument	2018074307

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jun 1, 2033

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1403 WYOMING AVE, SAINT CLOUD, FL 34769-4645
Document Number	0051952904
Book / Page	005195 / 002904
Instrument Date	Aug 14, 2017
Transaction Type	Mortgage
Record Updated	Sep 26, 2017

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	39 GREENE ST #211 JERSEY CITY NJ 073027528, 211, JERSEY CITY, NJ 07302-7528

Mortgage

Document Number	0051952904
Date	Aug 17, 2017
Book Page	005195/002904
Instrument	119273

Lender

Name	CENTERSTATE BK/FL
Type	Bank
Address	SAINT CLOUD, FL 34771

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

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	$5,611.00 (+17.48%)	$348,800 (+13.69%) Land $46,800 Building $302,000	$348,800 (+13.69%) Land $46,800 Building $302,000
2023	$4,776.00 (+12.83%)	$306,800 (+18.68%) Land $42,500 Building $264,300	$306,800 (+18.68%) Land $42,500 Building $264,300
2022	$4,233.00	$258,500 Land $35,100 Building $223,400	$258,500 Land $35,100 Building $223,400

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 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

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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