Osceola County property record for 208 Wisconsin Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,496 sqft · built 2019 |
| Lot Size | 0.269 acres (11,761 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $55,000 (Apr 2019) |
| Tax Bill | $4,620 (2025) |
| Deeds & Mortgages | Oct 2019 Loan Modification Apr 2019 Sale & Mortgage + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 012630000104410020 |
| Primary APN | 012630000104410020 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,496 sqft Heated Area |
| Gross Area | 1,952 sqft |
| 1st Floor Area | 1,496 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2019 |
|---|---|
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 11,761 sqft (0.269 acres) |
| Lot Width | 80 ft Width |
| Garage Type | Finished |
| Garage Area | 600 sqft |
| Porch | Open Porch |
|---|---|
| Porch Area | 36 sqft |
| Patio Area | 500 sqft |
| Fence | Fence |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 208 WISCONSIN AVE |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-2203 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LAKE FRONT ADD PB B PGS 61-64 BLK 441 N 80 FT OF LOT 2 2/26/30 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD 2ND AND 3RD STREETS |
| Legal Tract | 1 |
| Legal Block | 441 |
| Legal Lot Number | 2 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 43400 |
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 | 208 WISCONSIN AVE, SAINT CLOUD, FL 34769-2203 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 25, 2019 | Loan Modification, Mortgage CENTENNIAL BK |
| Apr 8, 2019 | Warranty Deed, Subdivision Related Transfer · ARM CENTENNIAL BANK |
| Jul 27, 2018 | Warranty Deed, Transfer STEWART TITLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 8, 2019 · Amount on Record |
| Deed Sale | Apr 8, 2019 · Amount on Record |
| Prior Sale | Jul 27, 2018 · Amount on Record |
| Deed Document Number | 2019044152 |
| Deed Book / Page | 5504 / 1461 |
| Record Updated | Jun 8, 2026 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 208 WISCONSIN AVE, SAINT CLOUD, FL 34769-2203 |
| Document Number | 0056191717 |
| Instrument Date | Oct 25, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Dec 2, 2019 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 208 WISCONSIN AVE ST CLOUD FL 347692203, ST CLOUD, FL 34769-2203 |
| Document Number | 0056191717 |
|---|---|
| Date | Nov 6, 2019 |
| Book Page | 005619/001717 |
| Instrument | 144616 |
| Name | CENTENNIAL BK |
|---|---|
| Type | Bank |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Nov 5, 2049 |
| Rate | 3.87% |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Apr 8, 2019 |
| Property Address | 208 WISCONSIN AVE, SAINT CLOUD, FL 34769-2203 |
| Document Number | 0055041461 |
| Book / Page | 5504 / 1461 |
| Map Reference | MB B PG 61 |
| Instrument Date | Apr 5, 2019 |
| Instrument | 2019044152 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Aug 1, 2022 |
| Title Company | STEWART TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Tax | $385.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1136 NEW YORK AVE, 1136, SAINT CLOUD, FL 34769-3782 |
| Name | Verified Name |
|---|---|
| Address | 134 MERIDA DR, KISSIMMEE, FL 34743-7017 |
| Document Number | 2019044153 |
|---|---|
| Date | Apr 8, 2019 |
| Instrument | 2019044153 |
| Name | CENTENNIAL BANK |
|---|---|
| Type | Bank |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 373 Months |
| Due | May 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5% |
| Type Change Date | May 1, 2025 |
| Change Frequency | Annually |
| Min Rate At Change | 3.75% |
| Max Rate At Change | 7% |
| Index | 1-Year CMT |
| Max Rate | 11% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jul 27, 2018 |
| Property Address | 208 WISCONSIN AVE, SAINT CLOUD, FL 34769-2203 |
| Document Number | 0053742095 |
| Book / Page | 005374 / 002095 |
| Instrument Date | Jul 20, 2018 |
| Instrument | 115065 |
| Transaction Type | Transfer |
| Record Updated | Aug 13, 2018 |
| Title Company | STEWART TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,260.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 1136 NEW YORK AVE ST CLOUD FL 347693782, ST CLOUD, FL 34769-3782 |
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 | $4,620.00 (+6.06%) Homeowner's exemption | $301,028 (+5.99%) | $413,500 (+11.58%) Land $60,000 Building $353,500 |
| 2023 | $4,356.00 (+6.61%) Homeowner's exemption | $284,025 (+5.64%) | $370,600 (+13.89%) Land $55,000 Building $315,600 |
| 2022 | $4,086.00 Homeowner's exemption | $268,860 | $325,400 Land $50,000 Building $275,400 |
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 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.
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 306 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures