Osceola County property record for 1513 Vermont Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,614 sqft · built 1979 |
| Lot Size | 0.258 acres (11,238 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $110,000 (Jan 2018) |
| Tax Bill | $2,794 (2025) |
| Deeds & Mortgages | Apr 2022 Mortgage Jan 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-26-30-0001-0311-0190 |
| Primary APN | 01-26-30-0001-0311-0190 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,614 sqft Living Area |
| Gross Area | 1,758 sqft |
| 1st Floor Area | 1,299 sqft |
| Flooring | Wood |
| Interior Walls | Plaster |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 1989 |
| Architectural Style | Conventional |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 11,238 sqft (0.258 acres) |
| Lot Dimensions | 150 ft deep x 75 ft wide |
| Porch | Florida Room |
|---|---|
| Porch Area | 459 sqft |
| Patio Area | 112 sqft |
| Shed | 1 Shed |
| Shed Area | 240 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 1513 VERMONT AVE |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-4256 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR2 |
| Legal Description | ST CLOUD PB B PG 34 BLK 311 LOTS 19-21 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 | 311 |
| Legal Lot Number | 19 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2048 |
| Census Tract | 43400 |
1513 Vermont Ave is owned and occupied by two individuals who bought it in January 2018.
Source: Osceola County records, as of November 26, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1513 VERMONT AVE, SAINT CLOUD, FL 34769-4256 |
| 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.
| Date | Document |
|---|---|
| Apr 19, 2022 | Deed of Trust, Mortgage · Conventional Mortgage GLOBAL EQUITY FINANCE INC |
| Jan 8, 2018 | Warranty Deed, Transfer · Conventional with PMI FAIRWINDS CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 8, 2018 · Amount on File |
| Deed Sale | Jan 8, 2018 · Amount on File |
| Prior Sale | Jan 12, 2015 · Amount on File |
| Deed Document Number | 20184229 |
| Deed Book / Page | 5266 / 534 |
| Prior Transfer Date | Apr 29, 2013 |
| Prior Transfer Doc | 0044342467 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1513 VERMONT AVE, SAINT CLOUD, FL 34769-4256 |
| Transaction Type | Mortgage |
| Record Updated | May 6, 2022 |
| Title Company | STEWART TITLE, STEWART TITLE GUARANTY CO |
| Name | Verified Name |
|---|---|
| Address | 1513 VERMONT AVE, SAINT CLOUD, FL 34769-4256 |
| Document Number | 0061952937 |
|---|---|
| Date | Apr 19, 2022 |
| Book Page | 6195/2937 |
| Instrument | 2022060837 |
| Name | GLOBAL EQUITY FINANCE INC |
|---|---|
| Type | Mortgage Company |
| Address | SAN DIEGO, CA 92108 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jan 8, 2018 |
| Property Address | 1513 VERMONT AVE, SAINT CLOUD, FL 34769-4256 |
| Document Number | 0052660534 |
| Book / Page | 005266 / 000534 |
| Instrument Date | Dec 28, 2017 |
| Instrument | 4229 |
| Transaction Type | Transfer |
| Record Updated | Feb 9, 2018 |
| Title Company | MORTGAGE TITLE SERVICES INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $770.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 1513 VERMONT AVE ST CLOUD FL 347694256, ST CLOUD, FL 34769-4256 |
| Document Number | 52660535 |
|---|---|
| Date | Jan 8, 2018 |
| Book Page | 005266/000535 |
| Instrument | 4230 |
| Name | FAIRWINDS CU |
|---|---|
| Address | ORLANDO, FL 32826 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 7, 2048 |
The 2025 property tax bill for 1513 Vermont Ave was $2,794 with a homeowner's exemption, up 3.6% from the year before.
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 | $2,794.00 (+3.6%) Homeowner's exemption | $199,020 | $280,600 Land $55,000 Building $225,600 |
| 2024 | $2,697.00 (+2.86%) | ||
| 2023 | $2,622.00 (+3.8%) Homeowner's exemption | $187,779 (+3%) | $250,800 (+16.11%) Land $50,000 Building $200,800 |
| 2022 | $2,526.00 Homeowner's exemption | $182,310 | $216,000 Land $45,000 Building $171,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1513 Vermont Ave in Zone X, an area of minimal flood risk.
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 18 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 18 in force |
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 risk around 1513 Vermont Ave is low, with a 0.05% 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 | 0.05% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 470 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 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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