1513 Virginia Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 1513 Virginia Ave, Saint Cloud, FL 34769

Property Summary

Property Type	Duplex
Details	4 bd · 3.5 ba · 2,128 sqft · built 1973
Lot Size	0.345 acres (15,028 sqft)
Owner	Company Name on File
Last Sale	$320,000 (Jul 2026)
Tax Bill	$3,996 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Apr 2025 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`01-26-30-0001-0296-0140`

Property Details

APN / Parcel Number

Primary APN	`01-26-30-0001-0296-0140`
Alternative APNs	`263001000102960140` `78953`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Units	2 Units
Stories	1 Story
Building Area	2,128 sqft Living Area
Gross Area	2,256 sqft
1st Floor Area	2,128 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Architectural Style	Custom Design
Exterior Material	Combination
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	15,028 sqft (0.345 acres)
Lot Dimensions	150 ft deep x 175 ft wide
Porch	Finished/Open Porch
Porch Area	256 sqft
Utility Building	32 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	1517 VIRGINIA AVE
City	SAINT CLOUD
State	FL
Zip	34769-4550
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	SR2
Legal Description	ST CLOUD PB B PG 34 BLK 296 LOTS 14-17
Legal Range	30E
Legal Township	26S
Legal Section	01
Legal Subdivision	ST CLOUD 2ND PLAT TOWN OF
Legal Tract	1
Legal Block	296
Legal Lot Number	14
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	4
Census Block	4076
Census Tract	43500

Owner

Source: Osceola County records, as of July 30, 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	Company Name on File
Mailing Address	2500 14TH ST, SAINT CLOUD, FL 34769-4141
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Jul 20, 2026	Warranty Deed, Transfer · Conventional Mortgage CHANGE LENDING LLC
Apr 16, 2025	Warranty Deed, Transfer ORLANDO TITLE PROFESSIONALS LL, LAND TITLE PROFESSIONALS LLC
Nov 3, 2023	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 20, 2026 · Amount on File
Deed Sale	Jul 20, 2026 · Amount on File
Prior Sale	Apr 16, 2025 · Amount on File
Deed Document Number	202694701
Deed Book / Page	7006 / 1597
Transfer Doc	2441002062
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 20, 2026
Property Address	1517 VIRGINIA AVE, SAINT CLOUD, FL 34769-4550
Document Number	0000094701
Book / Page	7006 / 1597
Instrument Date	Jul 15, 2026
Instrument	202694701
Transaction Type	Transfer
Record Updated	Sep 21, 2026
Title Company	LAND TITLE CORPORATION, LAND TITLE PROFESSIONALS

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$226,240.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership

Mortgage

Document Number	0000094702,
Date	Jul 20, 2026
Instrument	202694702

Lender

Name	CHANGE LENDING LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

April 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 16, 2025
Property Address	1517 VIRGINIA AVE, SAINT CLOUD, FL 34769-4550
Document Number	0067721991
Book / Page	6772 / 1991
Map Reference	MB B PG 33&34
Instrument Date	Apr 15, 2025
Instrument	2025048435
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	ORLANDO TITLE PROFESSIONALS LL, LAND TITLE PROFESSIONALS LLC

Transaction

Amount	Amount on Record
Tax	$2,660.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	310 CONNECTICUT AVE, SAINT CLOUD, FL 34769-2212

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2500 14TH ST, SAINT CLOUD, FL 34769-4141

November 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Nov 3, 2023
Property Address	1517 VIRGINIA AVE, SAINT CLOUD, FL 34769-4550
Document Number	0065001144
Book / Page	6500 / 1144
Map Reference	MB B PG 33&34
Instrument Date	Oct 26, 2023
Instrument	2023145496
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	310 CONNECTICUT AVE, SAINT CLOUD, FL 34769-2212

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	310 CONNECTICUT AVE, SAINT CLOUD, FL 34769-2212

Tax Assessment & Valuation

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	$3,996.00 (-39.01%)	$244,700 (-41.88%) Land $60,000 Building $184,700	$244,700 (-41.88%) Land $60,000 Building $184,700
2024	$6,552.00 (+5.83%)
2023	$6,191.00 (+18.08%)	$421,000 (+35.02%) Land $52,000 Building $369,000	$421,000 (+35.02%) Land $52,000 Building $369,000
2022	$5,243.00	$311,800 Land $52,000 Building $259,800	$311,800 Land $52,000 Building $259,800

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

Flood

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

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.

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