1522 Indiana Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 1522 Indiana Ave, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,996 sqft · built 1935
Lot Size	0.319 acres (13,939 sqft)
Owner	Individual Name on File
Last Sale	$399,000 (Aug 2023)
Tax Bill	$4,260 (2025)
Deeds & Mortgages	Mar 2024 Sale Aug 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`78986`

Property Details

APN / Parcel Number

Primary APN	`78986`
Alternative APN	`012630000103000090`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	1,996 sqft Heated Area
Gross Area	3,368 sqft
1st Floor Area	1,772 sqft
Interior Walls	Paneling

Exterior

Year Built	Built 1935
Exterior Material	Aluminum Siding
Foundation Type	Pier/Post & Beam
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	13,939 sqft (0.319 acres)
Lot Dimensions	140 ft deep x 100 ft wide
Garage Type	Detached - Unfinished
Garage Area	960 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Enclosed Porch
Porch Area	588 sqft
Fence	Fence
Shed	1 Shed
Shed Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	Space Heater

Location & Zoning

Account Number	78986
Street Address	1522 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 LOTS 9 THRU 12 11-26-30
Legal Range	30E
Legal Township	26S
Legal Section	01
Legal Subdivision	ST CLOUD
Legal Tract	1
Legal Block	300
Legal Lot Number	9-12 10
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	4
Census Block	4084
Census Tract	43500

Owner

1522 Indiana Ave is owned and occupied by an individual who acquired it in March 2024.

Source: Osceola County records, as of December 11, 2025

Owner of Record	Individual Name on File
Mailing Address	1522 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 7, 2024	Quit Claim Deed, Transfer Quitclaim
Aug 8, 2023	Warranty Deed, Transfer · FHA Mortgage ROCKET MORTGAGE LLC
Dec 8, 2022	Warranty Deed, Transfer NOT AVAILABLE, NEIGHBORS TITLE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 8, 2023 · Amount on File
Deed Sale	Aug 8, 2023 · Amount on File
Prior Sale	Aug 8, 2023 · Amount on File
Deed Document Number	0064532277
Deed Book / Page	6453 / 2277
Last Transfer Date	Mar 7, 2024
Transfer Doc	0065612278
Record Updated	Jun 8, 2026

March 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 7, 2024
Property Address	1522 INDIANA AVE, SAINT CLOUD, FL 34769-4468
Document Number	0065612278
Book / Page	6561 / 2278
Map Reference	MB B PGS 33
Instrument Date	Mar 2, 2024
Instrument	2024030222
Transaction Type	Transfer
Record Updated	Apr 5, 2024

Transaction

Amount	Amount on Record
Tax	$1,383.90
Amount Accuracy	Rounded by County
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1522 INDIANA AVE, SAINT CLOUD, FL 34769-4468

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1522 INDIANA AVE, SAINT CLOUD, FL 34769-4468

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 8, 2023
Property Address	1522 INDIANA AVE, SAINT CLOUD, FL 34769-4468
Document Number	0064532277
Book / Page	6453 / 2277
Map Reference	MB B PG 33&34
Instrument Date	Aug 3, 2023
Instrument	2023102711
Transaction Type	Transfer
Record Updated	Apr 5, 2024
Title Company	A-Z TEAM TITLE LLC, A Z TEAM TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,793.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2463 VOLUNTEER AVE, KISSIMMEE, FL 34744-6173

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1522 INDIANA AVE, SAINT CLOUD, FL 34769-4468

Mortgage

Document Number	0064532279
Date	Aug 8, 2023
Instrument	6453/2279

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2053

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 8, 2022
Property Address	1522 INDIANA AVE, SAINT CLOUD, FL 34769-4468
Document Number	0063260786
Book / Page	6326 / 786
Map Reference	MB B PG 33&34
Instrument Date	Dec 1, 2022
Instrument	2022175957
Transaction Type	Transfer
Record Updated	Apr 5, 2024
Title Company	NOT AVAILABLE, NEIGHBORS TITLE LLC

Transaction

Amount	Amount on Record
Tax	$1,750.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1522 INDIANA AVE, SAINT CLOUD, FL 34769-4468

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2346 VOLUNTEER AVE, KISSIMMEE, FL 34744-6282

Tax Assessment & Valuation

The 2025 property tax bill for 1522 Indiana Ave was $4,260 with a homeowner's exemption.

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	$4,260.00 Homeowner's exemption	$280,900 Land $63,200 Building $217,700	$280,900 Land $63,200 Building $217,700
2023	$3,912.00 (+406.08%)	$217,000 (+155.19%) Land $57,500 Building $159,500	$217,000 (+12.49%) Land $57,500 Building $159,500
2022	$773.00 Homeowner's exemption	$85,036	$192,900 Land $51,800 Building $141,100

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 1522 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 1522 Indiana Ave is moderate, ranking above 40% of the US, with a 0.04% annual chance of 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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