1524 Illinois Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 1524 Illinois Ave, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,208 sqft · built 1920
Lot Size	0.161 acres (7,013 sqft)
Owner	2 Individual Names on Record
Last Sale	$300,000 (Nov 2023)
Tax Bill	$3,598 (2025)
Deeds & Mortgages	Nov 2023 Second Mortgage May 2021 Foreclosure + 2 more
Flood Zone	Zone X (minimal risk)
APN	`01-26-30-0001-0299-0120`

Property Details

APN / Parcel Number

Primary APN	`01-26-30-0001-0299-0120`
Alternative APNs	`263001000102990120` `78977`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,208 sqft Living Area
1st Floor Area	792 sqft
Upper Floors Area	320 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1985
Architectural Style	Custom Design
Exterior Material	Aluminum Siding
Construction Type	Frame
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	96 sqft
Shed	1 Shed
Shed Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	1524 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 11 & 12 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	299
Legal Lot Number	12
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 November 26, 2025

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

Owner of Record	2 Individual Names on Record
Mailing Address	1524 ILLINOIS AVE, SAINT CLOUD, FL 34769-4556
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Nov 13, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FLORIDA HOUSING FINANCE CORP
May 10, 2021	Trustee's Deed, Foreclosure
Aug 1, 2017	Deed of Trust, Mortgage · VA Mortgage CLEARPATH LNDG
Jan 26, 2017	Warranty Deed, Transfer · VA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 13, 2023 · Amount on Record
Deed Sale	Nov 13, 2023 · Amount on Record
Prior Sale	May 10, 2021 · Amount on Record
Deed Document Number	2023148615
Deed Book / Page	6503 / 1567
Prior Transfer Date	Oct 26, 2012
Prior Transfer Doc	0043412849
Record Updated	Jun 8, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1524 ILLINOIS AVE, SAINT CLOUD, FL 34769-4556
Transaction Type	Mortgage
Record Updated	Dec 6, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1524 ILLINOIS AVE, SAINT CLOUD, FL 34769-4556

Mortgage

Document Number	0065031583
Date	Nov 13, 2023
Book Page	6503/1583
Instrument	2023148617

Lender

Name	FLORIDA HOUSING FINANCE CORP
Type	Government Agency
Address	TALLAHASSEE, FL 32301

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

May 2021: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 10, 2021
Property Address	1524 ILLINOIS AVE, SAINT CLOUD, FL 34769-4556
Document Number	0059542083
Book / Page	5954 / 2083
Map Reference	MB B PG 33&34
Instrument Date	May 10, 2021
Instrument	2021071626
Transaction Type	Foreclosure
Record Updated	May 25, 2021

Transaction

Amount	Amount Recorded
Tax	$1,001.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2500 OAK ST, KISSIMMEE, FL 34744-4943

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1524 ILLINOIS AVE, SAINT CLOUD, FL 34769-4556
Document Number	0051940129
Book / Page	005194 / 000129
Instrument Date	Aug 1, 2017
Transaction Type	Mortgage
Record Updated	Sep 25, 2017
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1524 ILLINOIS AVE ST CLOUD FL 347694556, ST CLOUD, FL 34769-4556

Mortgage

Document Number	0051940129
Date	Aug 14, 2017
Book Page	005194/000129
Instrument	117250

Lender

Name	CLEARPATH LNDG
Address	IRVINE, CA 92618

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 13, 2047

Interest

Rate Type	Adjustable Rate
Rate	2.25%

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 26, 2017
Property Address	1524 ILLINOIS AVE, SAINT CLOUD, FL 34769-4556
Document Number	0050912850
Book / Page	005091 / 002850
Instrument Date	Dec 26, 2016
Instrument	14478
Transaction Type	Transfer
Record Updated	Feb 14, 2017
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,015.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1524 ILLINOIS AVE ST CLOUD FL 347694556, ST CLOUD, FL 34769-4556

Mortgage

Document Number	50912851
Date	Jan 26, 2017
Book Page	005091/002851
Instrument	14479

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 25, 2047

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	$3,598.00 (+2.19%)	$243,900 (+14.08%) Land $46,800 Building $197,100	$243,900 (+14.08%) Land $46,800 Building $197,100
2024	$3,521.00 (-8.52%)
2023	$3,849.00 (+9.97%)	$213,800 (+10.21%) Land $34,000 Building $179,800	$213,800 (+10.21%) Land $34,000 Building $179,800
2022	$3,500.00	$194,000 Land $30,600 Building $163,400	$194,000 Land $30,600 Building $163,400

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 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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