Osceola County property record for 1406 Virginia Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,162 sqft · built 1985 |
| Lot Size | 0.172 acres (7,492 sqft) |
| Owner | Company Name on File |
| Last Sale | $280,000 (Jul 2022) |
| Tax Bill | $4,922 (2025) |
| Deeds & Mortgages | Jul 2022 Sale Nov 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-26-30-0001-0284-0030 |
| Primary APN | 01-26-30-0001-0284-0030 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,162 sqft Living Area |
| Gross Area | 1,640 sqft |
| 1st Floor Area | 1,162 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 2000 |
| Architectural Style | L-Shape |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 7,492 sqft (0.172 acres) |
| Garage Type | Attached |
| Garage Area | 312 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Finished/Open Porch |
| Porch Area | 166 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 1406 VIRGINIA AVE |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-4519 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ST CLOUD PB B PG 34 BLK 284 LOTS 3 & 4 12/26/30 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD 2ND PLAT TOWN OF |
| Legal Block | 284 |
| Legal Lot Number | 3 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 4 |
| Census Block | 4056 |
| Census Tract | 43500 |
Source: Osceola County assessment roll, as of November 26, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 3630 PEACHTREE RD NE, 1500, ATLANTA, GA 30326-1598 |
| Owner Type | Company |
| Vesting | Limited Liability Company |
| Date | Document |
|---|---|
| Jul 25, 2022 | Warranty Deed, Transfer STEWART TITLE COMPANY-F, STEWART TITLE COMPANY |
| Nov 22, 2017 | Warranty Deed, Transfer · Conventional Mortgage WATERSTONE MORTGAGE CORP |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jul 25, 2022 · Amount on Record |
| Deed Sale | Jul 25, 2022 · Amount on Record |
| Prior Sale | Nov 22, 2017 · Amount on Record |
| Deed Document Number | 2022113889 |
| Deed Book / Page | 6257 / 412 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jul 25, 2022 |
| Property Address | 1406 VIRGINIA AVE, SAINT CLOUD, FL 34769-4519 |
| Document Number | 0062570001 |
| Book / Page | 6257 / 1 |
| Map Reference | MB 8 PG 33 |
| Instrument Date | Jul 2, 2022 |
| Instrument | 2022113889 |
| Transaction Type | Transfer |
| Record Updated | Feb 6, 2023 |
| Title Company | STEWART TITLE COMPANY-F, STEWART TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,960.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2707 N 118TH ST, OMAHA, NE 68164-9672 |
| Name | Verified Name |
|---|---|
| Address | 3630 PEACHTREE RD NE STE 1500, 1500, ATLANTA, GA 30326-1598 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Nov 22, 2017 |
| Property Address | 1406 VIRGINIA AVE, SAINT CLOUD, FL 34769-4519 |
| Document Number | 0052432459 |
| Book / Page | 5243 / 2459 |
| Map Reference | MB B PG33&34 |
| Instrument Date | Nov 21, 2017 |
| Instrument | 2017167415 |
| Transaction Type | Transfer |
| Record Updated | Aug 1, 2022 |
| Title Company | FIRST AMERICAN TITLE INS CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,169.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4031 ALICIA CT, 4031, ORLANDO, FL 32822-7614 |
| Name | Verified Name |
|---|---|
| Address | 1406 VIRGINIA AVE, SAINT CLOUD, FL 34769-4519 |
| Document Number | 2017167416 |
|---|---|
| Date | Nov 22, 2017 |
| Instrument | 2017167416 |
| Name | WATERSTONE MORTGAGE CORP |
|---|---|
| Type | Lending Institution |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2047 |
Source: Osceola County assessment roll, as of November 26, 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 | $4,922.00 (+1.9%) | $274,800 (+9.7%) Land $46,800 Building $228,000 | $274,800 (+9.7%) Land $46,800 Building $228,000 |
| 2024 | $4,830.00 (+6.98%) | ||
| 2023 | $4,515.00 (+118.64%) | $250,500 (+59.82%) Land $42,500 Building $208,000 | $250,500 (+11.88%) Land $42,500 Building $208,000 |
| 2022 | $2,065.00 Homeowner's exemption | $156,740 | $223,900 Land $35,100 Building $188,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 95% of Florida |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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 458 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Lumen Technologies Fiber | 8,000 / 8,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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