Osceola County property record for 20 Indiana Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,278 sqft · built 1960 |
| Lot Size | 0.253 acres (11,020 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $280,000 (Jan 2017) |
| Tax Bill | $3,614 (2025) |
| Deeds & Mortgages | Aug 2022 Line of Credit Apr 2021 Mortgage + 2 more |
| Flood Zone | Zone AE (high risk) |
| APN | 01-26-30-0650-0001-0485 |
| Primary APN | 01-26-30-0650-0001-0485 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,278 sqft Living Area |
| Gross Area | 2,673 sqft |
| 1st Floor Area | 2,278 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Conventional |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 11,020 sqft (0.253 acres) |
| Lot Dimensions | 100 ft deep x 110 ft wide |
| Porch | Florida Room |
|---|---|
| Porch Area | 300 sqft |
| Shed | 1 Shed |
| Shed Area | 48 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 20 INDIANA AVE |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-2353 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR1A |
| Legal Description | ST CLOUD BLVD LOTS PB B PG 061 S 110 FT LOT 48 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | LAKE FRONT ADD TO TOWN OF ST CLOUD |
| Legal Tract | 650 |
| Legal Block | 485 |
| Legal Lot Number | 48 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 3 |
| Census Block | 3004 |
| Census Tract | 43500 |
Source: Osceola County records, as of November 26, 2025
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 20 INDIANA AVE, SAINT CLOUD, FL 34769-2353 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 1, 2022 | Deed of Trust, Mortgage · Line of Credit ADDITION FINANCIAL CU |
| Apr 6, 2021 | Deed of Trust, Mortgage · FHA Mortgage THE MORTGAGE FIRM INC |
| May 9, 2019 | Loan Modification, Mortgage · Conventional Mortgage SHELLEY AUDET |
| Jan 20, 2017 | Warranty Deed, Transfer · Conventional with PMI SHELLEY AUDET |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 20, 2017 · Amount on File |
| Deed Sale | Jan 20, 2017 · Amount on File |
| Prior Sale | May 8, 2013 · Amount on File |
| Deed Document Number | 201711440 |
| Deed Book / Page | 5089 / 295 |
| Prior Transfer Date | Jun 6, 2001 |
| Prior Transfer Doc | 0018860823 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 20 INDIANA AVE, SAINT CLOUD, FL 34769-2353 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2022 |
| Title Company | PRIMERA TITLE LLC |
| Name | Verified Name |
|---|---|
| Address | 20 INDIANA AVE, SAINT CLOUD, FL 34769-2353 |
| Document Number | 0062611106 |
|---|---|
| Date | Aug 1, 2022 |
| Book Page | 6261/1106 |
| Instrument | 2022117719 |
| Name | ADDITION FINANCIAL CU |
|---|---|
| Type | Credit Union |
| Address | LAKE MARY, FL 32746 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 420 Months |
| Due | Jul 31, 2057 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 20 INDIANA AVE, SAINT CLOUD, FL 34769-2353 |
| Transaction Type | Mortgage |
| Record Updated | May 4, 2021 |
| Name | Verified Name |
|---|---|
| Address | 20 INDIANA AVE, SAINT CLOUD, FL 34769-2353 |
| Document Number | 0059291081 |
|---|---|
| Date | Apr 6, 2021 |
| Book Page | 5929/1081 |
| Instrument | 2021051467 |
| Name | THE MORTGAGE FIRM INC |
|---|---|
| Type | Mortgage Company |
| Address | ALTAMONTE SPRINGS, FL 32714 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2051 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 20 INDIANA AVE, SAINT CLOUD, FL 34769-2353 |
| Document Number | 0055212817 |
| Instrument Date | May 9, 2019 |
| Transaction Type | Mortgage |
| Record Updated | May 20, 2019 |
| Title Company | STEWART TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 20 INDIANA AVE ST CLOUD FL 347692353, ST CLOUD, FL 34769-2353 |
| Document Number | 0055212817 |
|---|---|
| Date | May 9, 2019 |
| Book Page | 005521/002817 |
| Instrument | 60112 |
| Name | SHELLEY AUDET |
|---|---|
| Address | 3305 BLUE JAY CT, ST CLOUD, FL 34772-7320 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | May 8, 2029 |
| Rate | 4.5% |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jan 20, 2017 |
| Property Address | 20 INDIANA AVE, SAINT CLOUD, FL 34769-2353 |
| Document Number | 0050890295 |
| Book / Page | 005089 / 000295 |
| Instrument Date | Jan 11, 2017 |
| Instrument | 11440 |
| Transaction Type | Transfer |
| Record Updated | Feb 10, 2017 |
| Title Company | STEWART TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,960.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 20 INDIANA AVE ST CLOUD FL 347692353, ST CLOUD, FL 34769-2353 |
| Document Number | 50890296 |
|---|---|
| Date | Jan 20, 2017 |
| Book Page | 005089/000296 |
| Instrument | 11441 |
| Name | SHELLEY AUDET |
|---|---|
| Address | 3305 BLUE JAY CT, ST CLOUD, FL 34772-7320 |
| Special Notes | Seller Financed |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 24 Months |
| Due | Jan 19, 2019 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.3% |
Source: Osceola County assessment roll, as of November 26, 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 | $3,614.00 (+3.52%) Homeowner's exemption | $244,838 (+5.99%) | $395,500 (+24.33%) Land $75,000 Building $320,500 |
| 2024 | $3,491.00 (+2.65%) | ||
| 2023 | $3,401.00 (+3.63%) Homeowner's exemption | $231,008 (+3%) | $318,100 (+20.45%) Land $65,000 Building $253,100 |
| 2022 | $3,282.00 Homeowner's exemption | $224,280 | $264,100 Land $55,000 Building $209,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 61.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 40 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 40 in force |
| Nearby Flood Claims | 3 (1995–2022) |
| Claims Outside the SFHA | 2 of 3 |
| Most Recent Claim | Sep 2022 · Hurricane Ian |
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: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 65% of the US · lower than 91% of Florida |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Direct burnable vegetation |
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 330 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 |
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