1850 Centennial Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 1850 Centennial Ave, Saint Cloud, FL 34769 · Last verified December 2025

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	4 Beds
Bathrooms	3 Baths
Year Built	Built 2009
Square Footage	2,508 sqft Heated Area
Lot Size	6,490 sqft (0.148 acres)
Occupancy	Owner Occupied
Last Sale	$215,000 (2016)
Tax Bill	$5,126.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`158574`
Alternative APN	`092630008100012860`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Partial Baths	1 Partial Baths
Building Area	2,508 sqft Heated Area
Gross Area	3,220 sqft Gross Area
1st Floor	1,034 sqft 1st Floor
Upper Floors	1,474 sqft Upper Floors
Stories	2 Stories
Primary Flooring	Tile Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 2009
Exterior Material	Stucco Exterior
Construction Type	Frame Construction
Foundation Type	Footing Foundation
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	6,490 sqft (0.148 acres)
Parking Spaces	2 Parking Spaces
Garage Type	Finished Garage
Garage Area	440 sqft Garage
Porch	Finished/Screened Porch
Porch Area	272 sqft Porch

Utilities and HVAC

Cooling System	A/C Package Cooling
Heating System	HVAC Heating

Location & Zoning

Account Number	158574
Street Address	1850 CENTENNIAL AVE
City	SAINT CLOUD
State	FL
Zip	34769-1833
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	ANTHEM PARK PH 3A PB 20 PG 86-89 LOT 286
Legal Range	30E
Legal Township	26S
Legal Section	09
Legal Subdivision	ANTHEM PARK
Legal Phase	3A
Legal Tract	81
Legal Block	1
Legal Lot Number	286
Jurisdiction	OSCEOLA FL
Minor Civil Division	ST. CLOUD
Census Blockgroup	1
Census Block	1038
Census Tract	43208

Owner

Source: Osceola County records · APN 158574

Assessment roll updated July 1, 2025 · Last verified December 2025

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	1850 CENTENNIAL AVE, SAINT CLOUD, FL 34769-1833
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 11, 2016 · Amount on Record
Deed Sale	Oct 11, 2016 · Amount on Record
Prior Sale	Dec 28, 2009 · Amount on Record
Deed Doc Number	2016152550
Deed Book / Page	5037 / 1789
Record Refreshed	Jun 08, 2026

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1850 CENTENNIAL AVE, SAINT CLOUD, FL 34769-1833
Document Number	0056342370
Instrument Date	Nov 23, 2019
Transaction Type	Mortgage
Record Updated	Dec 20, 2019
Title Company	TITLE 365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1850 CENTENNIAL AVE ST CLOUD FL 347691833, ST CLOUD, FL 34769-1833

Mortgage

Document Number	0056342370
Date	Dec 05, 2019
Book Page	005634/002370
Instrument	157393

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Dec 04, 2049

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 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

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	$5,126.00 (+4.87%) Homeowner's exemption	$205,926 (+5.99%)	$341,600 (+0.41%) Land $70,000 Building $271,600
2023	$4,888.00 (+3.34%) Homeowner's exemption	$194,295 (+3%)	$340,200 (+18.54%) Land $60,000 Building $280,200
2022	$4,730.00 Homeowner's exemption	$188,636	$287,000 Land $55,000 Building $232,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Moderate above 46% of the US · above 16% of Florida
Wildfire Likelihood	About 1 in 1,299 per year
Exposure	Indirect within ember reach

Values are read at the parcel center point; lenders make the official flood determination.