1601 Virginia Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 1601 Virginia Ave, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,076 sqft · built 1988
Lot Size	0.172 acres (7,492 sqft)
Owner	Company Name on Record
Last Sale	$184,000 (Oct 2019)
Tax Bill	$2,081 (2025)
Deeds & Mortgages	Feb 2024 Mortgage Mar 2017 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`01-26-30-0001-0343-0170`

Property Details

APN / Parcel Number

Primary APN	`01-26-30-0001-0343-0170`
Alternative APNs	`263001000103430170` `79344`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,076 sqft Living Area
Gross Area	1,442 sqft
1st Floor Area	1,076 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	L-Shape
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Foundation Type	Footing
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	338 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Unfinished Vinyl Porch
Porch Area	292 sqft
Deck Area	156 sqft
Shed	1 Shed
Shed Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	1601 VIRGINIA AVE
City	SAINT CLOUD
State	FL
Zip	34769-4552
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR2
Legal Description	ST CLOUD PB B PG 34 BLK 343 LOTS 17 & 18 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	343
Legal Lot Number	17
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	4
Census Block	4075
Census Tract	43500

Owner

Source: Osceola County records, as of October 19, 2026

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

Owner of Record	Company Name on Record
Mailing Address	1601 VIRGINIA AVE, SAINT CLOUD, FL 34769-4552
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Estate

Deeds, Mortgages & Sale History

Date	Document
Feb 8, 2024	Deed of Trust, Mortgage · FHA Mortgage US BANK NA
Mar 1, 2017	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Oct 31, 2019	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FLORIDA HOUSING FINANCE CORP
Oct 8, 2019	Warranty Deed, Transfer · FHA Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 8, 2019 · Amount on Record
Deed Sale	Oct 8, 2019 · Amount on Record
Prior Sale	Aug 24, 2012 · Amount on Record
Deed Document Number	2019130301
Deed Book / Page	5602 / 2543
Record Updated	Oct 29, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1601 VIRGINIA AVE, SAINT CLOUD, FL 34769-4552
Transaction Type	Mortgage
Record Updated	Feb 21, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1601 VIRGINIA AVE, SAINT CLOUD, FL 34769-4552

Mortgage

Document Number	0065462775
Date	Feb 8, 2024
Book Page	6546/2775
Instrument	2024016964

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	309 Months
Due	Nov 1, 2049

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1601 VIRGINIA AVE, SAINT CLOUD, FL 34769-4552
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0051091276
Date	Mar 1, 2017
Book Page	5109/1276
Instrument	2017032413

Lender

Name	PNC BANK NA
Type	Bank
Address	SAINT CLOUD, FL 34769

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	479 Months
Due	Feb 18, 2057

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1601 VIRGINIA AVE, SAINT CLOUD, FL 34769-4552
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0056160085
Date	Oct 31, 2019
Book Page	5616/0085
Instrument	2019141728

Lender

Name	FLORIDA HOUSING FINANCE CORP
Type	Funding / Finance Company
Address	TALLAHASSEE, FL 32301

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2049

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 8, 2019
Property Address	1601 VIRGINIA AVE, SAINT CLOUD, FL 34769-4552
Document Number	0056022543
Book / Page	5602 / 2543
Map Reference	MB B PG 33&34
Instrument Date	Sep 16, 2019
Instrument	2019130301
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	PREMIER TITLE OF CTRL FL LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,288.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6140 SAVAGE ST, 6140, SAINT CLOUD, FL 34771-8540

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1601 VIRGINIA AVE, SAINT CLOUD, FL 34769-4552

Mortgage

Document Number	0056022544
Date	Oct 8, 2019
Instrument	5602/2544

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2049

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	$2,081.00 (+6.99%) Homeowner's exemption	$159,164 (+5.99%)	$245,300 (+11.91%) Land $46,800 Building $198,500
2023	$1,945.00 (+4.12%) Homeowner's exemption	$150,174 (+3%)	$219,200 (+18.04%) Land $42,500 Building $176,700
2022	$1,868.00 Homeowner's exemption	$145,800	$185,700 Land $35,100 Building $150,600

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
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 80% of the US · lower than 93% 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 314 locations within half a mile, as of December 31, 2025

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

May also be available: AT&T, Blue Stream.

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