1811 Pomelo Ave, Saint Cloud, FL 34772 Property Records

Osceola County property record for 1811 Pomelo Ave, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 4,112 sqft · built 1975
Lot Size	1.2 acres (52,272 sqft)
Owner	Individual Name on Record
Last Sale	$450,000 (Oct 2017)
Tax Bill	$6,776 (2025)
Deeds & Mortgages	Mar 2020 Mortgage Oct 2017 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`58675`

Property Details

APN / Parcel Number

Primary APN	`58675`
Alternative APN	`242629367000130070`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	4,112 sqft Heated Area
Gross Area	5,724 sqft
1st Floor Area	3,151 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Exterior Material	Brick
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	52,272 sqft (1.2 acres)
Lot Dimensions	275 ft deep x 165 ft wide
Garage Type	Carport
Carport	Carport

Exterior Amenities

Pool Area	392 sqft
Porch	Porch
Porch Area	961 sqft
Deck Area	880 sqft
Patio Area	480 sqft
Shed	1 Shed
Shed Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	58675
Street Address	1811 POMELO AVE
City	SAINT CLOUD
State	FL
Zip	34772-7476
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OAE1
Legal Description	KISSIMMEE PARK PB 1 PG 41 BLK 13 LOT 7 & SE 25 FT OF LOT 6 1/2 13/26/29
Legal Range	29E
Legal Township	26S
Legal Section	24
Legal Subdivision	KISSIMMEE PARK
Legal Tract	3670
Legal Block	13
Legal Lot Number	1,6-7
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1004
Census Tract	43209

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
Co-owner	Co-owner on Record
Mailing Address	1811 POMELO AVE, SAINT CLOUD, FL 34772-7476
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 3, 2020	Deed of Trust, Mortgage · Conventional Mortgage COGENT BANK
Oct 27, 2017	Warranty Deed, Transfer · ARM FIRST GREEN BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 27, 2017 · Amount on Record
Deed Sale	Oct 27, 2017 · Amount on Record
Deed Document Number	2017154656
Deed Book / Page	5231 / 0408
Record Updated	Jun 8, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1811 POMELO AVE, SAINT CLOUD, FL 34772-7476
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0056841077
Date	Mar 3, 2020
Book Page	5684/1077
Instrument	2020030386

Lender

Name	COGENT BANK
Type	Bank
Address	ORANGE CITY, FL 32763

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2050

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 27, 2017
Property Address	1811 POMELO AVE, SAINT CLOUD, FL 34772-7476
Document Number	0052310408
Book / Page	5231 / 0408
Map Reference	MB1 PG41
Instrument Date	Oct 18, 2017
Instrument	2017154656
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,150.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	969 PINE HEIGHTS RD, 969, READING, PA 19605-3208

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1811 POMELO AVE, SAINT CLOUD, FL 34772-7476

Mortgage

Document Number	0052310409
Date	Oct 27, 2017
Instrument	5231/0409

Lender

Name	FIRST GREEN BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	4.12%
Type Change Date	Nov 1, 2024
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	9.12%
Index	1-Year LIBOR
Max Rate	9.12%

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,776.00 (+6.44%) Homeowner's exemption	$478,550 (+5.99%)	$616,000 (+3.98%) Land $135,000 Building $481,000
2023	$6,366.00 (+3.65%) Homeowner's exemption	$451,519 (+3%)	$592,400 (+13.1%) Land $130,000 Building $462,400
2022	$6,142.00 Homeowner's exemption	$438,368	$523,800 Land $130,000 Building $393,800

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	57.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 136 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	136 in force
Nearby Flood Claims	4 (2011–2022)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Oct 2022 · Hurricane Ian
Claims by Event	Hurricane Ian, Oct 2022 · 2 claims

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	High above 83% of the US · above 74% of Florida
Wildfire Likelihood	0.5% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	TOHO WATER AUTHORITY-POINCIANA SYSTEM public/private · serves 69,447 people · EPA ID FL3494429
Water Source	Groundwater
Last State Inspection	Mar 2024
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 16 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: CenturyLink, T-Mobile.

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