15 Florida Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 15 Florida Ave, Saint Cloud, FL 34769 · Last verified December 2025

Property Highlights

Property Type	Residential > Single Family > Home
Bathrooms	2 Baths
Year Built	Built 1970
Square Footage	1,266 sqft Heated Area
Lot Size	6,970 sqft (0.16 acres)
Garage	Carport
Occupancy	Owner Occupied
Last Sale	$75,000 (1999)
Tax Bill	$773.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`80729`
Alternative APN	`012630065000010535`

Interior

Full Baths	2 Baths
Building Area	1,266 sqft Heated Area
Gross Area	1,736 sqft Gross Area
1st Floor	1,140 sqft 1st Floor
Stories	1 Stories
Primary Flooring	Carpet Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 1970
Exterior Material	Concrete Block Exterior
Foundation Type	Footing Foundation
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	6,970 sqft (0.16 acres)
Depth X Width	100 ft x 70 ft Depth x Width
Garage Type	Carport Garage
Carport	Carport

Exterior Amenities

Shed	1 Shed
Shed Area	36 sqft Shed
Porch	Enclosed Porch
Porch Area	190 sqft Porch

Utilities and HVAC

Cooling System	A/C Package Cooling
Heating System	HVAC Heating

Location & Zoning

Account Number	80729
Street Address	15 FLORIDA AVE
City	SAINT CLOUD
State	FL
Zip	34769-2346
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	ST CLOUD BLVD LOTS S 120 FT LESS S 50 FT OF W 90 FT OF LOT 53 PB B PG 061
Legal Range	30E
Legal Township	26S
Legal Section	01
Legal Subdivision	ST CLOUD BLVD
Legal Tract	650
Legal Block	1
Legal Lot Number	53
Jurisdiction	OSCEOLA FL
Minor Civil Division	ST. CLOUD
Census Blockgroup	3
Census Block	3005
Census Tract	43500

Owner

Source: Osceola County records · APN 80729

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	Owner Name on File
Mailing Address	15 FLORIDA AVE, SAINT CLOUD, FL 34769-2346
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Nov 02, 1999 · Amount on Record
Deed Sale	Nov 02, 1999 · Amount on Record
Deed Doc Number	0166902394
Deed Book / Page	01669 / 02394
Record Refreshed	Jun 08, 2026

March 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OSCEOLA FL
Property Address	15 FLORIDA AVE, SAINT CLOUD, FL 34769-2346
Document Number	0055020835
Instrument Date	Mar 06, 2019
Transaction Type	Mortgage
Record Updated	Apr 18, 2019
Title Company	SINGLESOURCE PROPERTY SOLUTION, SINGLESOURCE PROP SOLUTION

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15 FLORIDA AVE ST CLOUD FL 347692346, ST CLOUD, FL 34769-2346

Mortgage

Document Number	0055020835
Date	Apr 03, 2019
Book Page	005502/000835
Instrument	42223

Lender

Name	DITECH FIN'L
Address	TEMPE, AZ 85284

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	480 Months
Due	Apr 02, 2059

Interest

Rate	6.25%

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	$773.00 (+9.96%) Homeowner's exemption	$86,064 (+5.99%)	$224,500 (+25.35%) Land $58,500 Building $166,000
2023	$703.00 (+6.35%) Homeowner's exemption	$81,203 (+3%)	$179,100 (+20.77%) Land $50,700 Building $128,400
2022	$661.00 Homeowner's exemption	$78,838	$148,300 Land $42,900 Building $105,400

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Special Flood Hazard Area	Yes
Flood Insurance Requirement	Required (federally backed mortgages)
Floodway	No
Base Flood Elevation	61.0 ft

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; lenders make the official flood determination.