1504 Indiana Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 1504 Indiana Ave, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,454 sqft · built 1910
Lot Size	0.177 acres (7,710 sqft)
Owner	2 Individual Names on File
Last Sale	$185,000 (Aug 2018)
Tax Bill	$1,875 (2025)
Deeds & Mortgages	Mar 2024 Mortgage Sep 2023 Mortgage + 6 more
Flood Zone	Zone X (minimal risk)
APN	`01-26-30-0001-0300-0020`

Property Details

APN / Parcel Number

Primary APN	`01-26-30-0001-0300-0020`
Alternative APNs	`263001000103000020` `78983`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,454 sqft Living Area
Gross Area	1,734 sqft
1st Floor Area	727 sqft
Upper Floors Area	608 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1910
Effective Year Built	Effective 2005
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Pier/Post & Beam
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	7,710 sqft (0.177 acres)
Lot Dimensions	140 ft deep x 55 ft wide
Garage Type	Detached
Garage Area	280 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	119 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	1504 INDIANA AVE
City	SAINT CLOUD
State	FL
Zip	34769-4468
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR2
Legal Description	ST CLOUD PB B PG 34 BLK 300 S 5 FT LOT 2 & ALL LOT 3 & 4 11/26/30
Legal Range	30E
Legal Township	26S
Legal Section	01
Legal Subdivision	ST CLOUD 2ND PLAT TOWN OF
Legal Tract	1
Legal Block	300
Legal Lot Number	2
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	4
Census Block	4084
Census Tract	43500

Owner

1504 Indiana Ave is owned and occupied by two individuals who bought it in August 2018.

Source: Osceola County records, as of October 19, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1504 INDIANA AVE, SAINT CLOUD, FL 34769-4468
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Mar 6, 2024	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Sep 21, 2023	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Apr 25, 2023	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Oct 20, 2022	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Jan 26, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Oct 8, 2019	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Aug 22, 2018	Warranty Deed, Transfer · FHA Mortgage STEARNS LENDING LLC
Jan 11, 2017	Trustee's Deed, Foreclosure

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 22, 2018 · Amount on File
Deed Sale	Aug 22, 2018 · Amount on File
Prior Sale	Jan 1, 2017 · Amount on File
Deed Document Number	2018128512
Deed Book / Page	5389 / 2344
Record Updated	Oct 29, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1504 INDIANA AVE, SAINT CLOUD, FL 34769-4468
Transaction Type	Mortgage
Record Updated	Mar 28, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1504 INDIANA AVE, SAINT CLOUD, FL 34769-4468

Mortgage

Document Number	0065602156
Date	Mar 6, 2024
Book Page	6560/2156
Instrument	2024029366

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	951 W YAMATO RD, BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	329 Months
Due	Aug 1, 2051

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1504 INDIANA AVE, SAINT CLOUD, FL 34769-4468
Transaction Type	Mortgage
Record Updated	Oct 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1504 INDIANA AVE, SAINT CLOUD, FL 34769-4468

Mortgage

Document Number	0064772277
Date	Sep 21, 2023
Book Page	6477/2277
Instrument	2023124487

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	335 Months
Due	Aug 1, 2051

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1504 INDIANA AVE, SAINT CLOUD, FL 34769-4468
Transaction Type	Mortgage
Record Updated	May 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1504 INDIANA AVE, SAINT CLOUD, FL 34769-4468

Mortgage

Document Number	0063942319
Date	Apr 25, 2023
Book Page	6394/2319
Instrument	2023050566

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	340 Months
Due	Aug 1, 2051

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1504 INDIANA AVE, SAINT CLOUD, FL 34769-4468
Transaction Type	Mortgage
Record Updated	Nov 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1504 INDIANA AVE, SAINT CLOUD, FL 34769-4468

Mortgage

Document Number	0063030763
Date	Oct 20, 2022
Book Page	6303/763
Instrument	2022155690

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	346 Months
Due	Aug 1, 2051

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1504 INDIANA AVE, SAINT CLOUD, FL 34769-4468
Transaction Type	Mortgage
Record Updated	Feb 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1504 INDIANA AVE, SAINT CLOUD, FL 34769-4468

Mortgage

Document Number	0058772996
Date	Jan 26, 2021
Book Page	5877/2996
Instrument	2021011759

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	346 Months
Due	Nov 1, 2049

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1504 INDIANA AVE, SAINT CLOUD, FL 34769-4468
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0056022185
Date	Oct 8, 2019
Book Page	5602/2185
Instrument	2019130192

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2049

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 22, 2018
Property Address	1504 INDIANA AVE, SAINT CLOUD, FL 34769-4468
Document Number	0053892344
Book / Page	5389 / 2344
Map Reference	MB B PG33&34
Instrument Date	Aug 22, 2018
Instrument	2018128512
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	OSSEOLA TITLE INS AGENCY INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,295.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1549 NE 123RD ST, 1549, NORTH MIAMI, FL 33161-6029

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1504 INDIANA AVE, SAINT CLOUD, FL 34769-4468

Mortgage

Document Number	2018128513
Date	Aug 22, 2018
Instrument	2018128513

Lender

Name	STEARNS LENDING LLC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2048

January 2017: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 11, 2017
Property Address	1504 INDIANA AVE, SAINT CLOUD, FL 34769-4468
Document Number	0050832734
Book / Page	005083 / 002734
Instrument Date	Dec 28, 2016
Instrument	5575
Transaction Type	Foreclosure
Record Updated	Jan 30, 2017

Transaction

Amount	Amount on Record
Tax	$531.31
Amount Accuracy	Confirmed
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1549 NE 123RD ST NORTH MIAMI FL 331616029, NORTH MIAMI, FL 33161-6029

Tax Assessment & Valuation

The 2025 property tax bill for 1504 Indiana Ave was $1,875 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	$1,875.00 (+3.82%) Homeowner's exemption	$147,660	$248,700 Land $46,800 Building $201,900
2024	$1,806.00 (+3.2%)
2023	$1,750.00 (+4.29%) Homeowner's exemption	$139,320 (+3%)	$226,900 (+11.99%) Land $42,500 Building $184,400
2022	$1,678.00 Homeowner's exemption	$135,263	$202,600 Land $35,100 Building $167,500

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

Flood

FEMA maps place 1504 Indiana Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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 1504 Indiana Ave is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 96% of the US · lower than 96% 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 309 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	8,000 / 8,000
Spectrum Cable	1,000 / 1,000
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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