1414 Oregon Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 1414 Oregon Ave, Saint Cloud, FL 34769 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,959 sqft · built 1969
Lot Size	0.26 acres (11,326 sqft)
Owner	Individual Name on File
Last Sale	$217,500 (Dec 2021)
Tax Bill	$3,946 (2025)
Deeds & Mortgages	Dec 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`78886`

Property Details

APN / Parcel Number

Primary APN	`78886`
Alternative APN	`012630000102890060`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,959 sqft Heated Area
Gross Area	2,801 sqft
1st Floor Area	1,107 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1990
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	11,326 sqft (0.26 acres)
Lot Dimensions	150 ft deep x 75 ft wide
Garage Type	Finished
Garage Area	324 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Porch
Porch Area	1,110 sqft
Fence	Fence
Shed	1 Shed
Shed Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	78886
Street Address	1414 OREGON AVE
City	SAINT CLOUD
State	FL
Zip	34769-4665
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ST CLOUD PB B PG 34 BLK 289 LOTS 6-8 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	6-8,1 7
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	4
Census Block	4051
Census Tract	43500

Owner

Source: Osceola County records · APN 78886

Assessment roll updated July 1, 2025 · Last verified December 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	1414 OREGON AVE, SAINT CLOUD, FL 34769-4665
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 30, 2021 · Amount on Record
Deed Sale	Dec 30, 2021 · Amount on Record
Deed Document Number	2021202177
Deed Book / Page	6119 / 2903
Record Updated	Jun 08, 2026

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 30, 2021
Property Address	1414 OREGON AVE, SAINT CLOUD, FL 34769-4665
Document Number	0061192903
Book / Page	6119 / 2903
Map Reference	MB B PG 33&34
Instrument Date	Dec 29, 2021
Instrument	2021202177
Transaction Type	Transfer
Record Updated	Aug 01, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,522.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	482 MASON RD, 482, MADISONVILLE, TN 37354-5339

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1414 OREGON AVE, SAINT CLOUD, FL 34769-4665

Mortgage

Document Number	0061192906
Date	Dec 30, 2021
Instrument	6119/2906

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 01, 2052

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,946.00 (+6.19%) Homeowner's exemption	$263,377 (+5.99%)	$278,000 (+11.87%) Land $55,000 Building $223,000
2023	$3,716.00 (+11.96%) Homeowner's exemption	$248,500 (+35.05%) Land $50,000 Building $198,500	$248,500 (+35.05%) Land $50,000 Building $198,500
2022	$3,319.00	$184,000 Land $45,000 Building $139,000	$184,000 Land $45,000 Building $139,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970435004, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 15 individual NFIP policies nearby
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

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 314 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Lumen Technologies	Fiber	8,000 / 8,000
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: AT&T, TPC ACC Acquisition, Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.