Osceola County property record for 1860 Centennial Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,048 sqft · built 2007 |
| Lot Size | 0.151 acres (6,621 sqft) |
| Owner | Individual Name on File |
| Last Sale | $310,000 (Aug 2021) |
| Tax Bill | $6,517 (2025) |
| Deeds & Mortgages | Aug 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 158575 |
| Primary APN | 158575 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,048 sqft Heated Area |
| Gross Area | 2,473 sqft |
| 1st Floor Area | 1,328 sqft |
| Upper Floors Area | 720 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2007 |
|---|---|
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 6,621 sqft (0.151 acres) |
| Garage Type | Finished |
| Garage Area | 380 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
|---|---|
| Porch Area | 45 sqft |
| Patio Area | 96 sqft |
| Fence | Fence |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 158575 |
|---|---|
| Street Address | 1860 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 287 |
| 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 | 287 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1038 |
| Census Tract | 43208 |
1860 Centennial Ave is owned and occupied by an individual who bought it in August 2021.
Source: Osceola County records, as of December 11, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1860 CENTENNIAL AVE, SAINT CLOUD, FL 34769-1833 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 13, 2021 · Amount on File |
| Deed Sale | Aug 13, 2021 · Amount on File |
| Prior Sale | Jul 24, 2015 |
| Deed Document Number | 2021125733 |
| Deed Book / Page | 6022 / 884 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Aug 13, 2021 |
| Property Address | 1860 CENTENNIAL AVE, SAINT CLOUD, FL 34769-1833 |
| Document Number | 0060220884 |
| Book / Page | 6022 / 884 |
| Map Reference | MB 20 PG 86-89 |
| Instrument Date | Jul 27, 2021 |
| Instrument | 2021125733 |
| Transaction Type | Transfer |
| Record Updated | Aug 27, 2021 |
| Title Company | CELEBRATION TITLE GROUP LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,170.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4731 CAPITAL BLVD, 4731, SAINT CLOUD, FL 34769-7080 |
| Name | Verified Name |
|---|---|
| Address | 1860 CENTENNIAL AVE, SAINT CLOUD, FL 34769-1833 |
| Document Number | 6022888 |
|---|---|
| Date | Aug 13, 2021 |
| Instrument | 6022/888 |
| Name | NATIONS DIRECT MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2051 |
The 2025 property tax bill for 1860 Centennial Ave was $6,517 with a homeowner's exemption.
Source: Osceola County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,517.00 Homeowner's exemption | $283,614 | $309,000 Land $70,000 Building $239,000 |
| 2023 | $6,208.00 (+3.24%) Homeowner's exemption | $267,594 (+3%) | $306,600 (+18.01%) Land $60,000 Building $246,600 |
| 2022 | $6,013.00 Homeowner's exemption | $259,800 Land $55,000 Building $204,800 | $259,800 Land $55,000 Building $204,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1860 Centennial Ave in Zone X, an area of minimal flood risk.
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 File median of 29 individual policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 35 units insured incl. 6 condo units |
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 risk around 1860 Centennial Ave is moderate, ranking above 45% of the US, with a 0.08% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| 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 cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 151 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CenturyLink Fiber | 2,000 / 1,000 |
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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