Osceola County property record for 201 Virginia Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,436 sqft · built 1965 |
| Lot Size | 0.51 acres (22,216 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $400,000 (Feb 2023) |
| Tax Bill | $4,350 (2025) |
| Deeds & Mortgages | Feb 2023 Sale & Mortgage Sep 2020 Sale + 2 more |
| Flood Zone | Zone AE (high risk) |
| APN | 80250 |
| Primary APN | 80250 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,436 sqft Heated Area |
| Gross Area | 3,448 sqft |
| 1st Floor Area | 2,436 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1965 |
|---|---|
| Effective Year Built | Effective 1970 |
| Exterior Material | Aluminum Siding |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 22,216 sqft (0.51 acres) |
| Lot Dimensions | 150 ft deep x 148 ft wide |
| Garage Type | Mixed |
| Garage Area | 441 sqft |
| Parking Spaces | 4 Parking Spaces |
| Pool Area | 540 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 88 sqft |
| Deck Area | 930 sqft |
| Fence | Fence |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 80250 |
|---|---|
| Street Address | 201 VIRGINIA AVE |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-2435 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR1A |
| Legal Description | GALION GARDENS PB 1 PG 140 BLK 427 LOTS 17-19 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD 2ND AND 3RD STREETS |
| Legal Tract | 1 |
| Legal Block | 427 |
| Legal Lot Number | 17-19 18 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 3 |
| Census Block | 3011 |
| Census Tract | 43500 |
Source: Osceola County records, as of December 11, 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 Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 201 VIRGINIA AVE, SAINT CLOUD, FL 34769-2435 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 28, 2023 | Warranty Deed, Transfer · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC |
| Sep 15, 2020 | Warranty Deed, Transfer NOT AVAILABLE |
| Apr 8, 2020 | Warranty Deed, Transfer NOT AVAILABLE |
| Jul 7, 2017 | Grant Deed, Mortgage · Line of Credit CENTENNIAL BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 28, 2023 · Amount on Record |
| Deed Sale | Feb 28, 2023 · Amount on Record |
| Prior Sale | Dec 17, 2015 · Amount on Record |
| Deed Document Number | 2023023111 |
| Deed Book / Page | 6363 / 2108 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Feb 28, 2023 |
| Property Address | 201 VIRGINIA AVE, SAINT CLOUD, FL 34769-2435 |
| Document Number | 0063632108 |
| Book / Page | 6363 / 2108 |
| Map Reference | MB 1 PG 140 |
| Instrument Date | Feb 24, 2023 |
| Instrument | 2023023111 |
| Transaction Type | Transfer |
| Record Updated | Mar 10, 2023 |
| Title Company | STEWART TITLE COMPANY-F, STEWART TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,800.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3800 5TH ST, SAINT CLOUD, FL 34769-2024 |
| Name | Verified Name |
|---|---|
| Address | 201 VIRGINIA AVE, SAINT CLOUD, FL 34769-2435 |
| Document Number | 0063632109 |
|---|---|
| Date | Feb 28, 2023 |
| Instrument | 6363/2109 |
| Name | ATLANTIC BAY MORTGAGE GROUP LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Sep 15, 2020 |
| Property Address | 201 VIRGINIA AVE, SAINT CLOUD, FL 34769-2435 |
| Document Number | 0057932242 |
| Book / Page | 005793 / 002242 |
| Instrument Date | Sep 11, 2020 |
| Instrument | 123001 |
| Transaction Type | Transfer |
| Record Updated | Oct 20, 2020 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 3800 5TH ST ST CLOUD FL 347692024, ST CLOUD, FL 34769-2024 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Apr 8, 2020 |
| Property Address | 201 VIRGINIA AVE, SAINT CLOUD, FL 34769-2435 |
| Document Number | 0057051477 |
| Book / Page | 005705 / 001477 |
| Instrument Date | Apr 8, 2020 |
| Instrument | 48521 |
| Transaction Type | Transfer |
| Record Updated | Jun 19, 2020 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 3800 5TH ST ST CLOUD FL 347692024, ST CLOUD, FL 34769-2024 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jul 7, 2017 |
| Property Address | 201 VIRGINIA AVE, SAINT CLOUD, FL 34769-2435 |
| Document Number | 0051752708 |
| Book / Page | 005175 / 002708 |
| Instrument Date | Jul 6, 2017 |
| Instrument | 99037 |
| Transaction Type | Mortgage |
| Record Updated | Sep 20, 2017 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 3800 5TH ST ST CLOUD FL 347692024, ST CLOUD, FL 34769-2024 |
| Document Number | 51752708 |
|---|---|
| Date | Jul 7, 2017 |
| Book Page | 005175/002708 |
| Instrument | 99037 |
| Name | CENTENNIAL BK |
|---|---|
| Type | Bank |
| Address | 625 N CENTRAL AVE, KISSIMMEE, FL 34741-5006 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Jul 6, 2027 |
| Rate Type | Adjustable Rate |
|---|
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 | $4,350.00 (+108,65%) Homeowner's exemption | $285,925 (-16.35%) | $401,100 (+17.35%) Land $66,000 Building $335,100 |
| 2023 | $4.00 Additional exemption filed | $341,800 (+18.43%) Land $60,500 Building $281,300 | $341,800 (+18.43%) Land $60,500 Building $281,300 |
| 2022 | $4.00 Additional exemption filed | $288,600 Land $55,000 Building $233,600 | $288,600 Land $55,000 Building $233,600 |
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 Record 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 | 0.03% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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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