201 Vermont Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 201 Vermont Ave, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 1,204 sqft · built 1984
Lot Size	0.28 acres (12,196 sqft)
Owner	Individual Name on File
Last Sale	$350,000 (May 2026)
Tax Bill	$3,095 (2025)
Deeds & Mortgages	Sep 2021 Mortgage May 2026 Sale & Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`01-26-30-0001-0442-0100`

Property Details

APN / Parcel Number

Primary APN	`01-26-30-0001-0442-0100`
Alternative APN	`263001000104420100`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,204 sqft Living Area
Gross Area	2,233 sqft
1st Floor Area	1,092 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1984
Effective Year Built	Effective 2002
Architectural Style	Conventional
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	12,196 sqft (0.28 acres)
Lot Dimensions	150 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	441 sqft

Exterior Amenities

Porch	Screened/Unfinished Porch
Porch Area	112 sqft
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	201 VERMONT AVE
City	SAINT CLOUD
State	FL
Zip	34769-2213
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LAKE FRONT ADDN PB B PG 61-62 BLK 442 N 30 FT OF LOT 10 & ABUTTING VACATED PORTION OF CYPRESS ST
Legal Range	30E
Legal Township	26S
Legal Section	01
Legal Subdivision	ST CLOUD 2ND PLAT TOWN OF
Legal Block	442
Legal Lot Number	10
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2006
Census Tract	43400

Owner

201 Vermont Ave is owned and occupied by an individual who bought it in May 2026.

Source: Osceola County records, as of May 13, 2026

Owner of Record	Individual Name on File
Mailing Address	201 VERMONT AVE, SAINT CLOUD, FL 34769-2213
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 8, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
May 5, 2026	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
May 5, 2026	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Jan 8, 2024	Warranty Deed, Transfer FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 5, 2026 · Amount on File
Deed Sale	May 5, 2026 · Amount on File
Prior Sale	Jan 8, 2024 · Amount on File
Deed Document Number	202659541
Deed Book / Page	6966 / 2910
Prior Transfer Date	May 20, 2025
Prior Transfer Doc	0067940918
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	201 VERMONT AVE, SAINT CLOUD, FL 34769-2213
Transaction Type	Mortgage
Record Updated	May 18, 2026
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	201 VERMONT AVE, SAINT CLOUD, FL 34769-2213

Mortgage

Document Number	0060382379
Date	Sep 8, 2021
Book Page	6038/2379
Instrument	2021139072

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2051

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 5, 2026
Property Address	201 VERMONT AVE, SAINT CLOUD, FL 34769-2213
Document Number	0000059541
Book / Page	6966 / 2910
Instrument Date	May 4, 2026
Instrument	2026.59541
Transaction Type	Transfer
Record Updated	May 14, 2026
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE OF FLO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$247,450.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	201 VERMONT AVE, SAINT CLOUD, FL 34769-2213

Mortgage

Document Number	0000059542,
Date	May 5, 2026
Instrument	2026..59542

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate	6.22%
Max Rate	-1%

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 5, 2026
Property Address	201 VERMONT AVE, SAINT CLOUD, FL 34769-2213
Document Number	0069662910
Book / Page	6966 / 2910
Instrument Date	May 4, 2026
Instrument	202659541
Transaction Type	Transfer
Record Updated	Aug 25, 2026
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE OF FLO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$247,450.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	201 VERMONT AVE, SAINT CLOUD, FL 34769-2213

Mortgage

Document Number	0000059542,
Date	May 5, 2026
Instrument	202659542

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate	5.5%
Max Rate	-1%

January 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 8, 2024
Property Address	201 VERMONT AVE, SAINT CLOUD, FL 34769-2213
Document Number	0065301339
Book / Page	6530 / 1339
Map Reference	MB B PG 61
Instrument Date	Dec 20, 2023
Instrument	2024002568
Transaction Type	Transfer
Record Updated	Jan 25, 2024
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount on Record
Tax	$2,450.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2864 LAFAYETTE TRACE DR, SAINT CLOUD, FL 34772-8719

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1537 LAKE CLAY DR, LAKE PLACID, FL 33852-6991

Tax Assessment & Valuation

The 2025 property tax bill for 201 Vermont Ave was $3,095, up 7.1% from the year before.

Source: Osceola County assessment roll, as of November 26, 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	$3,095.00 (+7.06%)	$225,791	$300,700 Land $60,000 Building $240,700
2024	$2,891.00 (-26%)
2023	$3,907.00 (+3.14%) Homeowner's exemption	$259,100 (+18.2%) Land $55,000 Building $204,100	$259,100 (+18.2%) Land $55,000 Building $204,100
2022	$3,788.00	$219,200 Land $50,000 Building $169,200	$219,200 Land $50,000 Building $169,200

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 201 Vermont Ave in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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 18 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	18 in force

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

Wildfire risk around 201 Vermont Ave is low, with a 0.03% annual chance of 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

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	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)
CenturyLink Fiber	8,000 / 8,000
Spectrum Cable	1,000 / 1,000

May also be available: AT&T, Verizon.

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