Osceola County property record for 1800 Centennial Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,335 sqft · built 2009 |
| Lot Size | 0.185 acres (8,058 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $85,000 (Sep 2014) |
| Tax Bill | $4,961 (2025) |
| Deeds & Mortgages | Oct 2020 Mortgage Jun 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-26-30-0081-0001-2810 |
| Primary APN | 09-26-30-0081-0001-2810 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,335 sqft Living Area |
| Gross Area | 2,903 sqft |
| 1st Floor Area | 1,366 sqft |
| Upper Floors Area | 969 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2009 |
|---|---|
| Effective Year Built | Effective 2009 |
| Architectural Style | Conventional |
| Exterior Material | Concrete Block |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 8,058 sqft (0.185 acres) |
| Garage Type | Attached |
| Garage Area | 424 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 144 sqft |
| Patio Area | 35 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 1800 CENTENNIAL AVE |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-1833 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SPUD |
| Legal Description | ANTHEM PARK PH 3A PB 20 PG 86-89 LOT 281 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 09 |
| Legal Subdivision | ANTHEM PARK PH 3A |
| Legal Phase | 3A |
| Legal Tract | 81 |
| Legal Block | 2810 |
| Legal Lot Number | 281 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1038 |
| Census Tract | 43208 |
Source: Osceola County records · APN 09-26-30-0081-0001-2810
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 1800 CENTENNIAL AVE, SAINT CLOUD, FL 34769-1833 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 07, 2020 | Deed of Trust, Mortgage · Conventional Mortgage R P FNDG INC |
| Jun 27, 2017 | Intrafamily Transfer, Transfer · Conventional Mortgage GENEVA FINANCIAL LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 12, 2014 · Amount on Record |
| Deed Sale | Sep 12, 2014 · Amount on Record |
| Prior Sale | May 24, 2010 · Amount on Record |
| Deed Document Number | 2014134742 |
| Deed Book / Page | 4665 / 1481 |
| Last Transfer Date | Jun 21, 2017 |
| Transfer Doc | 0051702245 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1800 CENTENNIAL AVE, SAINT CLOUD, FL 34769-1833 |
| Document Number | 0058172973 |
| Instrument Date | Oct 07, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Nov 04, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1800 CENTENNIAL AVE ST CLOUD FL 347691833, ST CLOUD, FL 34769-1833 |
| Document Number | 0058172973 |
|---|---|
| Date | Oct 23, 2020 |
| Book Page | 005817/002973 |
| Instrument | 143328 |
| Name | R P FNDG INC |
|---|---|
| Address | LAKE MARY, FL 32746 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Oct 22, 2045 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jun 27, 2017 |
| Property Address | 1800 CENTENNIAL AVE, SAINT CLOUD, FL 34769-1833 |
| Document Number | 0051702245 |
| Book / Page | 5170 / 2245 |
| Map Reference | MB20 PG86-89 |
| Instrument Date | Jun 21, 2017 |
| Instrument | 2017093800 |
| Transaction Type | Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | ADVANTAGE TITLE COMPANY |
| Tax | $0.70 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1800 CENTENNIAL AVE, SAINT CLOUD, FL 34769-1833 |
| Document Number | 0051702248 |
|---|---|
| Date | Jun 27, 2017 |
| Instrument | 5170/2248 |
| Name | GENEVA FINANCIAL LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 01, 2047 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
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 | $4,961.00 (+0.77%) Homeowner's exemption | $196,704 (+5.99%) | $326,100 (+0.59%) Land $70,000 Building $256,100 |
| 2024 | $4,923.00 (+4.06%) | ||
| 2023 | $4,731.00 (+3.34%) Homeowner's exemption | $185,594 (+3%) | $324,200 (+18.41%) Land $60,000 Building $264,200 |
| 2022 | $4,578.00 Homeowner's exemption | $180,189 | $273,800 Land $55,000 Building $218,800 |
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
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 29 individual policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 35 units insured incl. 6 condo units |
| Wildfire Risk | Moderate above 45% of the US · lower than 84% of Florida |
|---|---|
| Wildfire Likelihood | 0.08% annual chance |
| Exposure | Indirect within 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Lumen Technologies Fiber | 2,000 / 1,000 |
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
Based on FCC filings for 151 locations within half a mile of this property.
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 |
| 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.
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