1603 Vermont Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 1603 Vermont Ave, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,204 sqft · built 1955
Lot Size	0.26 acres (11,326 sqft)
Owner	Individual Name on Record
Last Sale	$162,500 (Jan 2018)
Tax Bill	$1,615 (2025)
Deeds & Mortgages	Jan 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`79234`

Property Details

APN / Parcel Number

Primary APN	`79234`
Alternative APN	`012630000103280160`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,204 sqft Heated Area
1st Floor Area	1,204 sqft
Interior Walls	Plaster

Exterior

Year Built	Built 1955
Effective Year Built	Effective 2000
Exterior Material	Vinyl
Foundation Type	Pier/Post & Beam
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	11,326 sqft (0.26 acres)
Lot Dimensions	150 ft deep x 75 ft wide

Exterior Amenities

Porch	Porch
Porch Area	144 sqft
Fence	Fence
Shed	1 Shed
Shed Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	79234
Street Address	1603 VERMONT AVE
City	SAINT CLOUD
State	FL
Zip	34769-4258
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR2
Legal Description	ST CLOUD PB B PG 34 BLK 328 LOTS 16-18 LESS BEG NW COR LOT 18 BLK 328, S 24.99 FT TO PT OF CUSP OF CURVE, CONC SELY, CENT ANG
Legal Range	30E
Legal Township	26S
Legal Section	01
Legal Subdivision	ST CLOUD
Legal Tract	1
Legal Block	328
Legal Lot Number	16-18 18
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2053
Census Tract	43400

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	1603 VERMONT AVE, SAINT CLOUD, FL 34769-4258
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 16, 2018 · Amount on Record
Deed Sale	Jan 16, 2018 · Amount on Record
Prior Sale	Nov 17, 2016 · Amount on Record
Deed Document Number	2018008388
Deed Book / Page	5269 / 2509
Record Updated	Jun 8, 2026

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 16, 2018
Property Address	1603 VERMONT AVE, SAINT CLOUD, FL 34769-4258
Document Number	0052692509
Book / Page	5269 / 2509
Map Reference	MBB PG33
Instrument Date	Dec 29, 2017
Instrument	2018008388
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,137.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2435 VALHALLA DR, 2435, TAVARES, FL 32778-8535

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1603 VERMONT AVE, SAINT CLOUD, FL 34769-4258

Mortgage

Document Number	2018008389
Date	Jan 16, 2018
Instrument	2018008389

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2048

Tax Assessment & Valuation

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	$1,615.00 (+7.45%) Homeowner's exemption	$133,113 (+5.99%)	$247,200 (+9.72%) Land $55,000 Building $192,200
2023	$1,503.00 (+4.52%) Homeowner's exemption	$125,595 (+3%)	$225,300 (+10.39%) Land $50,000 Building $175,300
2022	$1,438.00 Homeowner's exemption	$121,937	$204,100 Land $45,000 Building $159,100

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 18 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	18 in force

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	0.05% 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 470 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
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20