Osceola County property record for 213 Virginia Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,481 sqft · built 1959 |
| Lot Size | 0.26 acres (11,326 sqft) |
| Owner | Individual Name on File |
| Last Sale | $395,000 (Oct 2025) |
| Tax Bill | $2,868 (2025) |
| Deeds & Mortgages | Nov 2021 Mortgage Oct 2025 Sale & Mortgage + 2 more |
| Flood Zone | Zone AE (high risk) |
| APN | 80249 |
| Primary APN | 80249 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,481 sqft Heated Area |
| Gross Area | 2,244 sqft |
| 1st Floor Area | 1,337 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Plaster |
| Year Built | Built 1959 |
|---|---|
| Effective Year Built | Effective 1989 |
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 11,326 sqft (0.26 acres) |
| Lot Dimensions | 150 ft deep x 75 ft wide |
| Garage Type | Mixed |
| Garage Area | 288 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Porch |
|---|---|
| Porch Area | 91 sqft |
| Fence | Fence |
| Shed | 1 Shed |
| Shed Area | 60 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 80249 |
|---|---|
| Street Address | 213 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 N 1/2 LOT 15 & ALL LOT 16 |
| 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 | 15-16 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 3 |
| Census Block | 3011 |
| Census Tract | 43500 |
Source: Osceola County records · APN 80249
Assessment roll updated July 1, 2025 · Last verified December 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 | 213 VIRGINIA AVE, SAINT CLOUD, FL 34769-2435 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 04, 2021 | Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION |
| Oct 24, 2025 | Warranty Deed, Transfer · FHA Mortgage GOLD STAR MORTGAGE FINANCIAL GROUP |
| Apr 27, 2020 | Warranty Deed, Transfer · FHA Mortgage HOME POINT FINANCIAL CORPORATION |
| Nov 18, 2019 | Warranty Deed, Transfer A CLEAR CHOICE TITLE AND ESCROW, A CLEAR CHOICE TITLE & ESCROW/ |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Oct 24, 2025 · Amount on Record |
| Deed Sale | Oct 24, 2025 · Amount on Record |
| Prior Sale | May 08, 2025 · Amount on Record |
| Deed Document Number | 2025132477 |
| Deed Book / Page | 6870 / 1434 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 213 VIRGINIA AVE, SAINT CLOUD, FL 34769-2435 |
| Transaction Type | Mortgage |
| Record Updated | Apr 02, 2026 |
| Name | Verified Name |
|---|---|
| Address | 213 VIRGINIA AVE, SAINT CLOUD, FL 34769-2435 |
| Document Number | 0060800513 |
|---|---|
| Date | Nov 04, 2021 |
| Book Page | 6080/513 |
| Instrument | 2021171943 |
| Name | HOME POINT FINANCIAL CORPORATION |
|---|---|
| Type | Mortgage Company |
| Address | PARSIPPANY, NJ 07054 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Oct 24, 2025 |
| Property Address | 213 VIRGINIA AVE, SAINT CLOUD, FL 34769-2435 |
| Document Number | 0068701434 |
| Book / Page | 6870 / 1434 |
| Map Reference | MB 1 PG 140 |
| Instrument Date | Oct 24, 2025 |
| Instrument | 2025132477 |
| Transaction Type | Transfer |
| Record Updated | Apr 02, 2026 |
| Title Company | RED DOOR TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,765.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2341 ELDORADO CT, SAINT CLOUD, FL 34771-7304 |
| Name | Verified Name |
|---|---|
| Address | 213 VIRGINIA AVE, SAINT CLOUD, FL 34769-2435 |
| Document Number | 0068701436 |
|---|---|
| Date | Oct 24, 2025 |
| Instrument | 6870/1436 |
| Name | GOLD STAR MORTGAGE FINANCIAL GROUP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Apr 27, 2020 |
| Property Address | 213 VIRGINIA AVE, SAINT CLOUD, FL 34769-2435 |
| Document Number | 0057132844 |
| Book / Page | 5713 / 2844 |
| Map Reference | MB 1 PG 40 |
| Instrument Date | Apr 15, 2020 |
| Instrument | 2020056963 |
| Transaction Type | Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | CELEBRATION TITLE GROUP |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,498.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 251 W TROPICAL WAY, 251, PLANTATION, FL 33317-3326 |
| Name | Verified Name |
|---|---|
| Address | 213 VIRGINIA AVE, SAINT CLOUD, FL 34769-2435 |
| Document Number | 0057132846 |
|---|---|
| Date | Apr 27, 2020 |
| Instrument | 5713/2846 |
| Name | HOME POINT FINANCIAL CORPORATION |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Nov 18, 2019 |
| Property Address | 213 VIRGINIA AVE, SAINT CLOUD, FL 34769-2435 |
| Document Number | 0056250723 |
| Book / Page | 005625 / 000723 |
| Instrument Date | Nov 15, 2019 |
| Instrument | 149697 |
| Transaction Type | Transfer |
| Record Updated | Dec 05, 2019 |
| Title Company | A CLEAR CHOICE TITLE AND ESCROW, A CLEAR CHOICE TITLE & ESCROW/ |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,347.50 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 251 W TROPICAL WAY PLANTATION FL 333173326, PLANTATION, FL 33317-3326 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,868.00 (+3.58%) Homeowner's exemption | $203,161 (+2.9%) | $296,100 (+5.45%) Land $60,000 Building $236,100 |
| 2024 | $2,769.00 (+2.82%) Homeowner's exemption | $197,436 (+3%) | $280,800 (+13.04%) Land $58,000 Building $222,800 |
| 2023 | $2,693.00 (+3.82%) Homeowner's exemption | $191,686 (+3%) | $248,400 (+18.12%) Land $55,000 Building $193,400 |
| 2022 | $2,594.00 Homeowner's exemption | $186,103 | $210,300 Land $50,000 Building $160,300 |
Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
| 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 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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Lumen Technologies Fiber | 8,000 / 8,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
Based on FCC filings for 330 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | ST. CLOUD, CITY OF (3 WPS) serves 82,752 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures