1409 Virginia Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 1409 Virginia Ave, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,592 sqft · built 1915
Lot Size	0.344 acres (14,984 sqft)
Owner	2 Individual Names on File
Last Sale	$350,000 (Dec 2025)
Tax Bill	$2,098 (2025)
Deeds & Mortgages	Jan 2023 Mortgage Dec 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`01-26-30-0001-0285-0170`

Property Details

APN / Parcel Number

Primary APN	`01-26-30-0001-0285-0170`
Alternative APNs	`263001000102850170` `78854`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,592 sqft Living Area
Gross Area	1,733 sqft
1st Floor Area	1,592 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1915
Effective Year Built	Effective 1945
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	14,984 sqft (0.344 acres)
Lot Dimensions	150 ft deep x 100 ft wide
Garage Type	Carport
Garage Area	564 sqft
Carport	Carport
Carport Area	564 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Florida Room
Porch Area	287 sqft
Patio Area	96 sqft
Shed	1 Shed
Shed Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	1409 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 17-20 12/26/30
Legal Range	30E
Legal Township	26S
Legal Section	01
Legal Subdivision	ST CLOUD 2ND PLAT TOWN OF
Legal Tract	1
Legal Block	285
Legal Lot Number	17
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	4
Census Block	4055
Census Tract	43500

Owner

1409 Virginia Ave is owned and occupied by two individuals who bought it in December 2025.

Source: Osceola County records, as of July 6, 2026

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	1252 HILLTOP PL, SAINT CLOUD, FL 34772-6538
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jan 31, 2023	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Dec 30, 2025	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Dec 4, 2020	Warranty Deed, Transfer STEWART TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 30, 2025 · Amount on File
Deed Sale	Dec 30, 2025 · Amount on File
Prior Sale	Dec 4, 2020 · Amount on File
Deed Document Number	2025157869
Deed Book / Page	6899 / 2477
Prior Transfer Date	Jul 19, 2005
Prior Transfer Doc	0028530843
Record Updated	Oct 29, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1409 VIRGINIA AVE, SAINT CLOUD, FL 34769-4518
Transaction Type	Mortgage
Record Updated	Jan 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1409 VIRGINIA AVE, SAINT CLOUD, FL 34769-4518

Mortgage

Document Number	0063511505
Date	Jan 31, 2023
Book Page	6351/1505
Instrument	2023012049

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2053

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 30, 2025
Property Address	1409 VIRGINIA AVE, SAINT CLOUD, FL 34769-4518
Document Number	0068992477
Book / Page	6899 / 2477
Map Reference	MB B PG 33
Instrument Date	Dec 19, 2025
Instrument	2025157869
Transaction Type	Transfer
Record Updated	Jan 9, 2026
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,450.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	18722 KEY DEER CT, PERRY, FL 32348-2924

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1252 HILLTOP PL, SAINT CLOUD, FL 34772-6538

Mortgage

Document Number	0068992479
Date	Dec 30, 2025
Instrument	6899/2479

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2056

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 4, 2020
Property Address	1409 VIRGINIA AVE, SAINT CLOUD, FL 34769-4518
Document Number	0058452717
Book / Page	005845 / 002717
Instrument Date	Nov 30, 2020
Instrument	165625
Transaction Type	Transfer
Record Updated	Dec 18, 2020
Title Company	STEWART TITLE

Transaction

Amount	Amount on Record
Tax	$273.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1409 VIRGINIA AVE ST CLOUD FL 347694518, ST CLOUD, FL 34769-4518

Tax Assessment & Valuation

The 2025 property tax bill for 1409 Virginia Ave was $2,098 with a homeowner's exemption, up 3.8% 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	$2,098.00 (+3.76%) Homeowner's exemption	$160,127	$202,500 Land $63,200 Building $139,300
2024	$2,022.00 (+48.9%)
2023	$1,358.00 (+4.7%) Homeowner's exemption	$117,547 (+3%)	$142,600 (+12.02%) Land $57,500 Building $85,100
2022	$1,297.00 Homeowner's exemption	$114,124	$127,300 Land $51,800 Building $75,500

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 1409 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

Wildfire risk around 1409 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.

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.

Nearby Properties on Virginia Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures