Osceola County property record for 221 Virginia Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,213 sqft · built 1964 |
| Lot Size | 0.258 acres (11,238 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $324,000 (Apr 2023) |
| Tax Bill | $5,098 (2025) |
| Deeds & Mortgages | Apr 2023 Sale & Mortgage Jul 2021 Sale & Mortgage + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 01-26-30-0001-0427-0140 |
| Primary APN | 01-26-30-0001-0427-0140 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,213 sqft Living Area |
| Gross Area | 1,693 sqft |
| 1st Floor Area | 1,213 sqft |
| Flooring | Wood |
| Interior Walls | Plaster |
| Year Built | Built 1964 |
|---|---|
| Effective Year Built | Effective 2002 |
| Architectural Style | L-Shape |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 11,238 sqft (0.258 acres) |
| Lot Dimensions | 150 ft deep x 75 ft wide |
| Garage Type | Carport |
| Garage Area | 300 sqft |
| Carport | Carport |
| Carport Area | 300 sqft |
| Porch | Metal Porch |
| Porch Area | 264 sqft |
| Utility Building | 220 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 221 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 LOT 14 & S 1/2 LOT 15 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD 2ND PLAT TOWN OF |
| Legal Tract | 1 |
| Legal Block | 427 |
| Legal Lot Number | 14 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 3 |
| Census Block | 3011 |
| Census Tract | 43500 |
Source: Osceola County records, as of November 26, 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 |
|---|---|
| Mailing Address | 221 VIRGINIA AVE, SAINT CLOUD, FL 34769-2435 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single Man |
| Date | Document |
|---|---|
| Apr 6, 2023 | Warranty Deed, Transfer · Conventional Mortgage HOUZZLE FINANCIAL INC |
| Jul 20, 2021 | Warranty Deed, Transfer · VA Mortgage MUTUAL OF OMAHA MORTGAGE INC |
| Sep 24, 2018 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 6, 2023 · Amount on Record |
| Deed Sale | Apr 6, 2023 · Amount on Record |
| Prior Sale | Jul 20, 2021 · Amount on Record |
| Deed Document Number | 202338833 |
| Deed Book / Page | 6382 / 1838 |
| Prior Transfer Date | Sep 19, 2018 |
| Prior Transfer Doc | 0054051664 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Apr 6, 2023 |
| Property Address | 221 VIRGINIA AVE, SAINT CLOUD, FL 34769-2435 |
| Document Number | 0063821838 |
| Book / Page | 6382 / 1838 |
| Map Reference | MB 1 PG 140 |
| Instrument Date | Mar 31, 2023 |
| Instrument | 2023038833 |
| Transaction Type | Transfer |
| Record Updated | Apr 20, 2023 |
| Title Company | SMART INTERNATIONAL TTL LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,268.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 131 HIDDEN SPRINGS CIR, KISSIMMEE, FL 34743-6117 |
| Name | Verified Name |
|---|---|
| Address | 221 VIRGINIA AVE, SAINT CLOUD, FL 34769-2435 |
| Document Number | 0063821840 |
|---|---|
| Date | Apr 6, 2023 |
| Book Page | 6382/1840 |
| Instrument | 2023038834 |
| Name | HOUZZLE FINANCIAL INC |
|---|---|
| Address | ALPHARETTA, GA 30009 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jul 20, 2021 |
| Property Address | 221 VIRGINIA AVE, SAINT CLOUD, FL 34769-2435 |
| Document Number | 0060051397 |
| Book / Page | 6005 / 1397 |
| Map Reference | MB 1 PG 140 |
| Instrument Date | Jul 15, 2021 |
| Instrument | 2021111984 |
| Transaction Type | Transfer |
| Record Updated | Aug 4, 2021 |
| Title Company | LAND TITLE CORPORATION, LAND TITLE PROFESSIONALS LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,009.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6301 OAK SHORE DR, 6301, SAINT CLOUD, FL 34771-8642 |
| Name | Verified Name |
|---|---|
| Address | 221 VIRGINIA AVE, SAINT CLOUD, FL 34769-2435 |
| Document Number | 60051399 |
|---|---|
| Date | Jul 20, 2021 |
| Instrument | 6005/1399 |
| Name | MUTUAL OF OMAHA MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Sep 24, 2018 |
| Property Address | 221 VIRGINIA AVE, SAINT CLOUD, FL 34769-2435 |
| Document Number | 0054051664 |
| Book / Page | 005405 / 001664 |
| Instrument Date | Sep 19, 2018 |
| Instrument | 143160 |
| Transaction Type | Transfer |
| Record Updated | Oct 8, 2018 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 6301 OAK SHORE DR ST CLOUD FL 347718642, ST CLOUD, FL 34771-8642 |
Source: Osceola County assessment roll, as of November 26, 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 | $5,098.00 (+1.21%) | $284,600 (+11.78%) Land $60,000 Building $224,600 | $284,600 (+11.78%) Land $60,000 Building $224,600 |
| 2024 | $5,037.00 (+11.49%) | ||
| 2023 | $4,518.00 (+10.68%) | $254,600 (+12.51%) Land $55,000 Building $199,600 | $254,600 (+12.51%) Land $55,000 Building $199,600 |
| 2022 | $4,082.00 | $226,300 Land $50,000 Building $176,300 | $226,300 Land $50,000 Building $176,300 |
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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