1516 Illinois Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 1516 Illinois Ave, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,049 sqft · built 1910
Lot Size	0.16 acres (6,970 sqft)
Owner	Individual Name on Record
Last Sale	$265,000 (Feb 2022)
Tax Bill	$3,159 (2025)
Deeds & Mortgages	Feb 2022 Sale & Mortgage Aug 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`78976`

Property Details

APN / Parcel Number

Primary APN	`78976`
Alternative APN	`012630000102990090`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,049 sqft Heated Area
Gross Area	1,271 sqft
1st Floor Area	1,049 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1910
Effective Year Built	Effective 2005
Exterior Material	Vinyl
Foundation Type	Pier/Post & Beam
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	6,970 sqft (0.16 acres)
Lot Dimensions	140 ft deep x 50 ft wide
Garage Type	Carport
Carport	Carport

Exterior Amenities

Porch	Open Porch
Porch Area	32 sqft
Fence	Fence
Shed	1 Shed
Shed Area	90 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	78976
Street Address	1516 ILLINOIS AVE
City	SAINT CLOUD
State	FL
Zip	34769-4556
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR2
Legal Description	ST CLOUD PB B PG 34 BLK 299 LOTS 9 & 10 11/26/30
Legal Range	30E
Legal Township	26S
Legal Section	01
Legal Subdivision	ST CLOUD
Legal Tract	1
Legal Block	299
Legal Lot Number	1,9-11 10
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	4
Census Block	4079
Census Tract	43500

Owner

Source: Osceola County records, as of December 11, 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 Record
Mailing Address	1516 ILLINOIS AVE, SAINT CLOUD, FL 34769-4556
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 11, 2022	Warranty Deed, Transfer · FHA Mortgage PARAMOUNT RESIDENTIAL MORTGAGE GROU
Aug 2, 2018	Warranty Deed, Transfer · FHA Mortgage PARAMOUNT RESIDENTIAL MORTGAGE GROU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 11, 2022 · Amount on Record
Deed Sale	Feb 11, 2022 · Amount on Record
Prior Sale	Aug 2, 2018 · Amount on Record
Deed Document Number	0006149100
Deed Book / Page	6149 / 100
Record Updated	Jun 8, 2026

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 11, 2022
Property Address	1516 ILLINOIS AVE, SAINT CLOUD, FL 34769-4556
Document Number	0061490100
Book / Page	6149 / 100
Map Reference	MB B PG 33&34
Instrument Date	Feb 11, 2022
Instrument	2022023538
Transaction Type	Transfer
Record Updated	Feb 10, 2023
Title Company	SUNSHINE TITLE AND ESCROW, SUNSHINE TITLE & ESCROW LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,855.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3847 WIND DANCER CIR, SAINT CLOUD, FL 34772-8273

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1516 ILLINOIS AVE, SAINT CLOUD, FL 34769-4556

Mortgage

Document Number	0006149102
Date	Feb 11, 2022
Instrument	6149/102

Lender

Name	PARAMOUNT RESIDENTIAL MORTGAGE GROU
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 2, 2018
Property Address	1516 ILLINOIS AVE, SAINT CLOUD, FL 34769-4556
Document Number	0053781520
Book / Page	5378 / 1520
Map Reference	MB B PG33
Instrument Date	Jul 13, 2018
Instrument	2018118364
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	CELEBRATION TITLE GROUP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,225.00
Amount Accuracy	Rounded by County
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1220 MOLONA ST, 1220, REUNION, FL 34747-6731

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1516 ILLINOIS AVE, SAINT CLOUD, FL 34769-4556

Mortgage

Document Number	2018118366
Date	Aug 2, 2018
Instrument	2018118366

Lender

Name	PARAMOUNT RESIDENTIAL MORTGAGE GROU
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2048

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 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	$3,159.00 (+6.4%) Homeowner's exemption	$219,393 (+5.99%)	$236,300 (+14.15%) Land $46,800 Building $189,500
2023	$2,969.00 (+99.93%) Homeowner's exemption	$207,000 (+66.16%) Land $34,000 Building $173,000	$207,000 (+10.28%) Land $34,000 Building $173,000
2022	$1,485.00 Homeowner's exemption	$124,578	$187,700 Land $30,600 Building $157,100

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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 96% of the US · lower than 96% of Florida
Wildfire Likelihood	0.02% 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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