1525 Oregon Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 1525 Oregon Ave, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,580 sqft · built 2004
Lot Size	0.172 acres (7,492 sqft)
Owner	Individual Name on File
Last Sale	$188,000 (Apr 2018)
Tax Bill	$2,395 (2025)
Deeds & Mortgages	Apr 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-26-30-0001-0291-0130`

Property Details

APN / Parcel Number

Primary APN	`01-26-30-0001-0291-0130`
Alternative APNs	`263001000102910130` `78907`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,580 sqft Living Area
Gross Area	2,136 sqft
1st Floor Area	1,580 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	L-Shape
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,492 sqft (0.172 acres)
Lot Dimensions	150 ft deep x 50 ft wide
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	156 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	1525 OREGON AVE
City	SAINT CLOUD
State	FL
Zip	34769-4674
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR2
Legal Description	ST CLOUD PB B PG 34 BLK 291 LOTS 13 & 14 12/26/30
Legal Range	30E
Legal Township	26S
Legal Section	01
Legal Subdivision	ST CLOUD 2ND PLAT TOWN OF
Legal Tract	1
Legal Block	291
Legal Lot Number	13
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	4
Census Block	4067
Census Tract	43500

Owner

Source: Osceola County records · APN 01-26-30-0001-0291-0130

Assessment roll updated November 26, 2025 · Last verified April 2026

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

Owner of Record	Individual Name on File
Mailing Address	1525 OREGON AVE, SAINT CLOUD, FL 34769-4674
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 04, 2018 · Amount on Record
Deed Sale	Apr 04, 2018 · Amount on Record
Prior Sale	Feb 25, 2005 · Amount on Record
Deed Document Number	201852749
Deed Book / Page	5311 / 674
Prior Transfer Date	Dec 25, 2004
Prior Transfer Doc	0027111318
Record Updated	Jun 08, 2026

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 04, 2018
Property Address	1525 OREGON AVE, SAINT CLOUD, FL 34769-4674
Document Number	0053110674
Book / Page	5311 / 0674
Map Reference	MB B PG33&34
Instrument Date	Apr 02, 2018
Instrument	2018052749
Transaction Type	Transfer
Record Updated	Feb 08, 2022
Title Company	ALAMOA TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,316.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1421 MARYLAND AVE, 1421, SAINT CLOUD, FL 34769-4512

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1525 OREGON AVE, SAINT CLOUD, FL 34769-4674

Mortgage

Document Number	2018052750
Date	Apr 04, 2018
Instrument	2018052750

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 01, 2048

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 2026

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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,395.00 (+3.68%) Homeowner's exemption	$176,703 (+5.99%)	$305,000 (+12.34%) Land $46,800 Building $258,200
2024	$2,310.00 (+2.99%)
2023	$2,243.00 (+3.99%) Homeowner's exemption	$166,723 (+3%)	$271,500 (+18.04%) Land $42,500 Building $229,000
2022	$2,157.00 Homeowner's exemption	$161,867	$230,000 Land $35,100 Building $194,900

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
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

Wildfire

Wildfire Risk	Low lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood	0.06% annual chance
Exposure	None 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 as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Lumen Technologies Fiber	8,000 / 8,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20

May also be available: AT&T, TPC ACC Acquisition.

Based on FCC filings for 314 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	ST. CLOUD, CITY OF (3 WPS) serves 82,752 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.