206 Vermont Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 206 Vermont Ave, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,286 sqft · built 1973
Lot Size	0.221 acres (9,626 sqft)
Owner	2 Individual Names on Record
Last Sale	$75,000 (May 2013)
Tax Bill	$1,128 (2025)
Deeds & Mortgages	May 2018 Loan Modification May 2018 Loan Modification
Flood Zone	Zone AE (high risk)
APN	`03-26-30-0033-0001-0550`

Property Details

APN / Parcel Number

Primary APN	`03-26-30-0033-0001-0550`
Alternative APNs	`263003003300010550` `81581`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,286 sqft Living Area
Gross Area	1,416 sqft
1st Floor Area	1,116 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Architectural Style	L-Shape
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,626 sqft (0.221 acres)
Lot Dimensions	125 ft deep x 75 ft wide

Exterior Amenities

Porch	Slab
Porch Area	580 sqft
Shed	1 Shed
Shed Area	24 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	206 VERMONT AVE
City	SAINT CLOUD
State	FL
Zip	34769-2215
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR1A
Legal Description	SUNNY ACRES PLAT BK 2 PG 52 LOT 55 & N 12.5 FT LOT 56
Legal Range	30E
Legal Township	26S
Legal Section	03
Legal Subdivision	SUNNY ACRES CORRECTED PLAT OF
Legal Tract	33
Legal Block	550
Legal Lot Number	55
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3028
Census Tract	43400

Owner

Source: Osceola County records, as of July 22, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	206 VERMONT AVE, SAINT CLOUD, FL 34769-2215
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 15, 2018	Loan Modification, Mortgage · Conventional Mortgage QUICKEN LNS
May 15, 2018	Loan Modification, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 2, 2013 · Amount on Record
Deed Sale	May 2, 2013 · Amount on Record
Prior Sale	Jul 13, 2012 · Amount on Record
Deed Document Number	201369440
Deed Book / Page	4435 / 1075
Record Updated	Sep 20, 2026

May 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OSCEOLA FL
Property Address	206 VERMONT AVE, SAINT CLOUD, FL 34769-2215
Document Number	0053630762
Instrument Date	May 15, 2018
Transaction Type	Mortgage
Record Updated	Jul 25, 2018
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	206 VERMONT AVE ST CLOUD FL 347692215, ST CLOUD, FL 34769-2215

Mortgage

Document Number	0053630762
Date	Jul 9, 2018
Book Page	005363/000762
Instrument	104006

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Jul 8, 2043

Interest

Rate	3.25%

May 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OSCEOLA FL
Property Address	206 VERMONT AVE, SAINT CLOUD, FL 34769-2215
Document Number	0055212059
Instrument Date	May 15, 2018
Transaction Type	Mortgage
Record Updated	May 20, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	206 VERMONT AVE ST CLOUD FL 347692215, ST CLOUD, FL 34769-2215

Mortgage

Document Number	0055212059
Date	May 9, 2019
Book Page	005521/002059
Instrument	59885

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	300 Months
Due	May 8, 2044

Interest

Rate	3.25%

Tax Assessment & Valuation

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	$1,128.00 (+8.36%) Homeowner's exemption	$105,937 (+5.99%)	$236,200 (+14.83%) Land $60,000 Building $176,200
2023	$1,041.00 (+41.06%) Homeowner's exemption	$99,954 (+20.31%)	$205,700 (+22.44%) Land $55,000 Building $150,700
2022	$738.00 Homeowner's exemption	$83,083	$168,000 Land $50,000 Building $118,000

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

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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