20 Vermont Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 20 Vermont Ave, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,130 sqft · built 1972
Lot Size	0.21 acres (9,148 sqft)
Owner	Individual Name on File
Last Sale	$249,900 (Apr 2020)
Tax Bill	$2,905 (2025)
Deeds & Mortgages	Oct 2023 Line of Credit Apr 2020 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`81532`

Property Details

APN / Parcel Number

Primary APN	`81532`
Alternative APN	`032630003300010050`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,130 sqft Heated Area
Gross Area	1,634 sqft
1st Floor Area	1,130 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1972
Effective Year Built	Effective 2002
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,148 sqft (0.21 acres)
Lot Dimensions	128 ft deep x 72 ft wide
Garage Type	Carport
Carport	Carport

Exterior Amenities

Pool Area	570 sqft
Porch	Open Porch
Porch Area	264 sqft
Deck Area	494 sqft
Fence	Fence
Shed	1 Shed
Shed Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	81532
Street Address	20 VERMONT AVE
City	SAINT CLOUD
State	FL
Zip	34769-2244
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR1A
Legal Description	SUNNY ACRES PB 2 PG 52 LOT 5 & N 8.5 FT LOTS 3 & 4
Legal Range	30E
Legal Township	26S
Legal Section	03
Legal Subdivision	ST CLOUD BLVD
Legal Tract	33
Legal Block	1
Legal Lot Number	3-5 4
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3027
Census Tract	43400

Owner

Source: Osceola County assessment roll, as of July 1, 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 File
Co-owner	Verified Secondary Owner
Mailing Address	20 VERMONT AVE, SAINT CLOUD, FL 34769-2244
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 19, 2023	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Apr 8, 2020	Warranty Deed, Transfer · VA Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 8, 2020 · Amount on Record
Deed Sale	Apr 8, 2020 · Amount on Record
Prior Sale	May 20, 2016
Deed Document Number	2020048448
Deed Book / Page	5705 / 1097
Record Updated	Jun 8, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	20 VERMONT AVE, SAINT CLOUD, FL 34769-2244
Transaction Type	Mortgage
Record Updated	Nov 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 VERMONT AVE, SAINT CLOUD, FL 34769-2244

Mortgage

Document Number	0064912812
Date	Oct 19, 2023
Book Page	6491/2812
Instrument	2023137480

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Oct 20, 2063

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 8, 2020
Property Address	20 VERMONT AVE, SAINT CLOUD, FL 34769-2244
Document Number	0057051097
Book / Page	5705 / 1097
Map Reference	MB 2 PG 52
Instrument Date	Apr 7, 2020
Instrument	2020048448
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,743.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	377000 CORD AVENUE, 377000, SAINT CLOUD, FL 34772

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 VERMONT AVE, SAINT CLOUD, FL 34769-2244

Mortgage

Document Number	0057051098
Date	Apr 8, 2020
Instrument	5705/1098

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

Tax Assessment & Valuation

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,905.00 (+6.49%) Homeowner's exemption	$205,205 (+5.99%)	$293,400 (+23.54%) Land $75,000 Building $218,400
2023	$2,728.00 (+3.81%) Homeowner's exemption	$193,614 (+3%)	$237,500 (+19.11%) Land $65,000 Building $172,500
2022	$2,628.00 Homeowner's exemption	$187,975	$199,400 Land $55,000 Building $144,400

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	61.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 98 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	110 units insured incl. 12 condo units
Nearby Flood Claims	24 (1994–2022)
Claims Outside the SFHA	3 of 24
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Ian, Sep 2022 · 4 claims Hurricane Ian, Sep 2022 · 2 claims Hurricane Frances, Sep 2004 · 3 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	Low lower than 66% of the US · lower than 91% of Florida
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation at the parcel

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 368 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Lumen Technologies Fiber	8,000 / 8,000
Spectrum Cable	1,000 / 1,000

May also be available: AT&T, Verizon.

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