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1523 Florida Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 1523 Florida Ave, Saint Cloud, FL 34769 · Last verified December 2025

Property Summary

Property TypeSingle Family Home
Details2 bd · 2 ba · 852 sqft · built 1920
Lot Size0.239 acres (10,454 sqft)
OwnerIndividual Name on File
Last Sale$105,000 (Jan 2019)
Tax Bill$2,877 (2025)
Deeds & MortgagesJan 2019 Sale & Mortgage
Flood ZoneZone A (high risk)
APN78996

Property Details

APN / Parcel Number

Primary APN78996
Alternative APN
  • 012630000103010130

Interior

Bedrooms2 Beds
Full Baths2 Baths
Stories1 Story
Building Area852 sqft Heated Area
Gross Area1,074 sqft
1st Floor Area732 sqft
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1920
Exterior MaterialAluminum Siding
Foundation TypePier/Post & Beam
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area10,454 sqft (0.239 acres)
Lot Dimensions140 ft deep x 75 ft wide

Exterior Amenities

PorchEnclosed Porch
Porch Area246 sqft
Shed1 Shed
Shed Area80 sqft
Utility Building408 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Account Number78996
Street Address1523 FLORIDA AVE
CitySAINT CLOUD
StateFL
Zip34769-4425
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionST CLOUD PB B PG 34 BLK 301 LOTS 13, 14 & 15 11/26/30
Legal Range30E
Legal Township26S
Legal Section01
Legal SubdivisionST CLOUD
Legal Tract1
Legal Block301
Legal Lot Number13 14
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group4
Census Block4083
Census Tract43500

Owner

Source: Osceola County records · APN 78996

Assessment roll updated July 1, 2025 · Last verified December 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Mailing Address1523 FLORIDA AVE, SAINT CLOUD, FL 34769-4425
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleJan 14, 2019 · Amount on Record
Deed SaleJan 14, 2019 · Amount on Record
Prior SaleJun 05, 2015 · Amount on Record
Deed Document Number2019005365
Deed Book / Page5462 / 1933
Record UpdatedJun 08, 2026

January 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateJan 14, 2019
Property Address1523 FLORIDA AVE, SAINT CLOUD, FL 34769-4425
Document Number0054621933
Book / Page005462 / 001933
Instrument DateJan 11, 2019
Instrument5365
Transaction TypeTransfer
Record UpdatedJan 29, 2019
Title CompanyCLASSIC TITLE AND SOLUTIONS INC, CLASSIC TITLE & SOLUTIONS INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$735.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address355 N MELROSE DR #E VISTA CA 920834847, E, VISTA, CA 92083-4847

Mortgage

Document Number54621935
DateJan 14, 2019
Book Page005462/001935
Instrument5366
Lender
NameBANK OF AMERICA
TypeBank
AddressCHARLOTTE, NC 28255
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueJan 13, 2049

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$2,877.00 (+17.43%)$164,700 (+12.5%) Land $55,000 Building $109,700$164,700 (+12.5%) Land $55,000 Building $109,700
2023$2,450.00 (+11.62%)$146,400 (+15.46%) Land $50,000 Building $96,400$146,400 (+15.46%) Land $50,000 Building $96,400
2022$2,195.00$126,800 Land $45,000 Building $81,800$126,800 Land $45,000 Building $81,800

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970435004, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone A
Special Flood Hazard AreaYes
Flood HazardHigh
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood ElevationNot determined for this zone
Flood Insurance RequirementRequired (federally backed mortgages)
Flood Insurance CostPremium on Record
median of 15 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies15 in force
Nearby Flood Claims2 (1983–2003)
Claims Outside the SFHA1 of 2
Most Recent ClaimAug 2003, tidal / storm surge

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 309 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
Lumen TechnologiesFiber8,000 / 8,000
SpectrumCable1,000 / 1,000
AT&TFixed Wireless100 / 20
StarlinkSatellite (low-earth orbit)280 / 30

May also be available at this address: Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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