1517 Florida Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 1517 Florida Ave, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,080 sqft · built 1969
Lot Size	0.161 acres (7,013 sqft)
Owner	2 Individual Names on Record
Last Sale	$265,000 (Sep 2022)
Tax Bill	$5,343 (2025)
Deeds & Mortgages	Sep 2022 Sale & Mortgage Mar 2021 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`01-26-30-0001-0301-0160`

Property Details

APN / Parcel Number

Primary APN	`01-26-30-0001-0301-0160`
Alternative APNs	`263001000103010160` `78997`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,080 sqft Living Area
Gross Area	1,522 sqft
1st Floor Area	1,080 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1969
Effective Year Built	Effective 2004
Architectural Style	Conventional
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,013 sqft (0.161 acres)
Lot Dimensions	140 ft deep x 0.5 ft wide

Exterior Amenities

Porch	Florida Room
Porch Area	245 sqft
Shed	1 Shed
Shed Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	1517 FLORIDA AVE
City	SAINT CLOUD
State	FL
Zip	34769-4425
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR2
Legal Description	ST CLOUD PB B PG 34 BLK 301 LOTS 16 & 17 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	301
Legal Lot Number	16
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	4
Census Block	4083
Census Tract	43500

Owner

Source: Osceola County records, as of November 26, 2025

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	2 Individual Names on Record
Mailing Address	1517 FLORIDA AVE, SAINT CLOUD, FL 34769-4425
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Sep 27, 2022	Warranty Deed, Transfer · FHA Mortgage WATERSTONE MORTGAGE CORP
Mar 30, 2021	Warranty Deed, Transfer · Conventional Mortgage THE MORTGAGE FIRM INC
Nov 20, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY
Jan 30, 2018	Warranty Deed, Transfer · Conventional Mortgage HOMEBRIDGE FINANCIAL SERVICES INC
Jul 25, 2017	Trustee's Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 27, 2022 · Amount on Record
Deed Sale	Sep 27, 2022 · Amount on Record
Prior Sale	Mar 30, 2021 · Amount on Record
Deed Document Number	2022145501
Deed Book / Page	6292 / 470
Prior Transfer Date	Aug 14, 2019
Prior Transfer Doc	0056270091
Record Updated	Jun 8, 2026

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 27, 2022
Property Address	1517 FLORIDA AVE, SAINT CLOUD, FL 34769-4425
Document Number	0062920470
Book / Page	6292 / 470
Map Reference	MB B PG 33&34
Instrument Date	Sep 23, 2022
Instrument	2022145501
Transaction Type	Transfer
Record Updated	Feb 10, 2023
Title Company	LAND TITLE PROFESSIONALS LLC

Transaction

Amount	Amount Recorded
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	1517 FLORIDA AVE, SAINT CLOUD, FL 34769-4425

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1517 FLORIDA AVE, SAINT CLOUD, FL 34769-4425

Mortgage

Document Number	0006292472
Date	Sep 27, 2022
Instrument	6292/472

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Mortgage Company

Agreement

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

Mortgage

Document Number	0062920484
Date	Sep 27, 2022
Book Page	6292/484
Instrument	2022145503

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Mortgage Company
Address	PEWAUKEE, WI 53072

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 30, 2021
Property Address	1517 FLORIDA AVE, SAINT CLOUD, FL 34769-4425
Document Number	0059240303
Book / Page	5924 / 303
Map Reference	MB B PG 33-34
Instrument Date	Mar 29, 2021
Instrument	2021047585
Transaction Type	Transfer
Record Updated	Feb 10, 2023
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,407.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2349 KINGS CREST RD, KISSIMMEE, FL 34744-6273

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1517 FLORIDA AVE, SAINT CLOUD, FL 34769-4425

Mortgage

Document Number	0005924304
Date	Mar 30, 2021
Instrument	5924/304

Lender

Name	THE MORTGAGE FIRM INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

November 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Nov 20, 2019
Property Address	1517 FLORIDA AVE, SAINT CLOUD, FL 34769-4425
Document Number	0056270091
Book / Page	005627 / 000091
Instrument Date	Aug 14, 2019
Instrument	151336
Transaction Type	Transfer
Record Updated	Dec 6, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$0.70
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1517 FLORIDA AVE ST CLOUD FL 347694425, ST CLOUD, FL 34769-4425

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 30, 2018
Property Address	1517 FLORIDA AVE, SAINT CLOUD, FL 34769-4425
Document Number	0052762878
Book / Page	5276 / 2878
Map Reference	MB B PG33&34
Instrument Date	Jan 26, 2018
Instrument	2018015464
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	ORLANDO TITLE SERVICES LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,190.70
Amount Accuracy	Full Amount Stated
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 700086, SAINT CLOUD, FL 34770-0086

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1517 FLORIDA AVE, SAINT CLOUD, FL 34769-4425

Mortgage

Document Number	2018015465
Date	Jan 30, 2018
Instrument	2018015465

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2048

July 2017: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 25, 2017
Property Address	1517 FLORIDA AVE, SAINT CLOUD, FL 34769-4425
Document Number	0051831686
Book / Page	005183 / 001686
Instrument Date	Jul 11, 2017
Instrument	107082
Transaction Type	Foreclosure
Record Updated	Aug 25, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$462.00
Amount Accuracy	Confirmed
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 700086 ST CLOUD FL 347700086, ST CLOUD, FL 34770-0086

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	$5,343.00 (+64.55%) Homeowner's exemption	$230,733 (+5.99%)	$253,400 (+16.4%) Land $46,800 Building $206,600
2024	$3,247.00 (+2.72%)
2023	$3,161.00 (+22.19%) Homeowner's exemption	$217,700 (+17.23%) Land $34,000 Building $183,700	$217,700 (+17.23%) Land $34,000 Building $183,700
2022	$2,587.00 Homeowner's exemption	$185,700 Land $30,600 Building $155,100	$185,700 Land $30,600 Building $155,100

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
Nearest Special Flood Hazard Area	Zone A, within 100 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	Moderate above 40% of the US · lower than 87% 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 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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