Osceola County property record for 220 Wisconsin Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,461 sqft · built 2019 |
| Lot Size | 0.269 acres (11,761 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $255,000 (May 2019) |
| Tax Bill | $3,457 (2025) |
| Deeds & Mortgages | Apr 2023 Line of Credit May 2019 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 012630000104410040 |
| Primary APN | 012630000104410040 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,461 sqft Heated Area |
| Gross Area | 1,938 sqft |
| 1st Floor Area | 1,461 sqft |
| Flooring | Tile |
| 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 | 441 sqft |
| Porch | Open Porch |
|---|---|
| Porch Area | 36 sqft |
| Patio Area | 100 sqft |
| Fence | Fence |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 220 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 S 40 FT OF LOT 3 AND N 40 FT OF LOT 4 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 | 2-4 |
| 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 are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 220 WISCONSIN AVE, SAINT CLOUD, FL 34769-2203 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 14, 2023 | Deed of Trust, Mortgage · Line of Credit REGIONS BANK |
| May 9, 2019 | Warranty Deed, Subdivision Related Transfer · Conventional with PMI QUICKEN LNS |
| Apr 30, 2019 | Deed of Trust, Mortgage · FHA Mortgage FATRWAY INDPNT MTG CORP |
| Jul 27, 2018 | Warranty Deed, Transfer STEWART TITLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 9, 2019 · Amount on Record |
| Deed Sale | May 9, 2019 · Amount on Record |
| Prior Sale | Jul 27, 2018 · Amount on Record |
| Deed Document Number | 2019059822 |
| Deed Book / Page | 5521 / 1856 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 220 WISCONSIN AVE, SAINT CLOUD, FL 34769-2203 |
| Transaction Type | Mortgage |
| Record Updated | Apr 27, 2023 |
| Name | Verified Name |
|---|---|
| Address | 220 WISCONSIN AVE, SAINT CLOUD, FL 34769-2203 |
| Document Number | 0063872938 |
|---|---|
| Date | Apr 14, 2023 |
| Book Page | 6387/2938 |
| Instrument | 2023043340 |
| Name | REGIONS BANK |
|---|---|
| Type | Bank |
| Address | BIRMINGHAM, AL 35244 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 27, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | May 9, 2019 |
| Property Address | 220 WISCONSIN AVE, SAINT CLOUD, FL 34769-2203 |
| Document Number | 0055211856 |
| Book / Page | 005521 / 001856 |
| Instrument Date | May 8, 2019 |
| Instrument | 59822 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | May 20, 2019 |
| Title Company | STEWART TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,785.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 220 WISCONSIN AVE ST CLOUD FL 347692203, ST CLOUD, FL 34769-2203 |
| Document Number | 55211857 |
|---|---|
| Date | May 9, 2019 |
| Book Page | 005521/001857 |
| Instrument | 59823 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 8, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 220 WISCONSIN AVE, SAINT CLOUD, FL 34769-2203 |
| Document Number | 0055170421 |
| Instrument Date | Apr 30, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jun 12, 2019 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 224 WISCONSIN AVE ST CLOUD FL 347692203, ST CLOUD, FL 34769-2203 |
| Document Number | 0055170421 |
|---|---|
| Date | May 1, 2019 |
| Book Page | 005517/000421 |
| Instrument | 55764 |
| Name | FATRWAY INDPNT MTG CORP |
|---|---|
| Address | CARROLLTON, TX 75007 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 30, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jul 27, 2018 |
| Property Address | 220 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 17, 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 | $3,457.00 (+6.3%) Homeowner's exemption | $236,065 (+5.99%) | $353,500 (+14.22%) Land $60,000 Building $293,500 |
| 2023 | $3,252.00 (+3.67%) Homeowner's exemption | $222,732 (+3%) | $309,500 (+18.36%) Land $55,000 Building $254,500 |
| 2022 | $3,137.00 Homeowner's exemption | $216,245 | $261,500 Land $50,000 Building $211,500 |
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 X moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| 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 |
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