Osceola County property record for 221 Wisconsin Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,640 sqft · built 2019 |
| Lot Size | 0.22 acres (9,583 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $60,000 (Aug 2017) |
| Tax Bill | $4,163 (2025) |
| Deeds & Mortgages | May 2019 Mortgage Aug 2017 Sale + 1 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 01-26-30-0001-0440-0060 |
| Primary APN | 01-26-30-0001-0440-0060 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,640 sqft Living Area |
| Gross Area | 2,136 sqft |
| 1st Floor Area | 1,440 sqft |
| Upper Floors Area | 200 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2019 |
|---|---|
| Effective Year Built | Effective 2019 |
| Architectural Style | Custom Design |
| Exterior Material | Concrete Block |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 9,583 sqft (0.22 acres) |
| Lot Dimensions | 150 ft deep x 62.5 ft wide |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 96 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 221 WISCONSIN AVE |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-2201 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR1A |
| Legal Description | LAKE FRONT ADD PB B PGS 61-64 BLK 440 LOT 6 LESS N 12.5 FT AND S 25 FT THEREOF 2/26/30 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD 2ND PLAT TOWN OF |
| Legal Tract | 1 |
| Legal Block | 440 |
| Legal Lot Number | 6 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 43400 |
Source: Osceola County records, as of March 6, 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 | 221 WISCONSIN AVE, SAINT CLOUD, FL 34769-2201 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
| Date | Document |
|---|---|
| May 30, 2019 | Deed of Trust, Mortgage · Conventional Mortgage CENTENNIAL BANK |
| Aug 1, 2017 | Warranty Deed, Transfer STEWART TITLE |
| Aug 1, 2017 | Warranty Deed, Construction Loan · Construction Mortgage CENTENNIAL BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 1, 2017 · Amount on Record |
| Deed Sale | Aug 1, 2017 · Amount on Record |
| Prior Sale | Jul 1, 2017 · Amount on Record |
| Deed Document Number | 2017111292 |
| Deed Book / Page | 5187 / 2697 |
| Prior Transfer Date | Nov 12, 2009 |
| Prior Transfer Doc | 0039282232 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 221 WISCONSIN AVE, SAINT CLOUD, FL 34769-2201 |
| Transaction Type | Mortgage |
| Record Updated | Aug 1, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0055321013 |
|---|---|
| Date | May 30, 2019 |
| Book Page | 5532/1013 |
| Instrument | 2019069505 |
| Name | CENTENNIAL BANK |
|---|---|
| Type | Bank |
| Address | CONWAY, AR 72033 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Aug 1, 2017 |
| Property Address | 221 WISCONSIN AVE, SAINT CLOUD, FL 34769-2201 |
| Document Number | 0051872695 |
| Book / Page | 005187 / 002695 |
| Instrument Date | Jul 24, 2017 |
| Instrument | 111291 |
| Transaction Type | Transfer |
| Record Updated | Aug 25, 2017 |
| Title Company | STEWART TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 4417 13TH ST #127 ST CLOUD FL 347696724, 127, ST CLOUD, FL 34769-6724 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Aug 1, 2017 |
| Property Address | 221 WISCONSIN AVE, SAINT CLOUD, FL 34769-2201 |
| Document Number | 0051872697 |
| Book / Page | 5187 / 2697 |
| Map Reference | MB B PG61-64 |
| Instrument Date | Jul 24, 2017 |
| Instrument | 2017111292 |
| Transaction Type | Construction Loan |
| Record Updated | Aug 1, 2022 |
| Title Company | STEWART TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Tax | $420.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4417 13TH ST # ST127, 4417, SAINT CLOUD, FL 34769-6724 |
| Name | Verified Name |
|---|---|
| Address | PO BOX 570084, ORLANDO, FL 32857-0084 |
| Document Number | 0051872699 |
|---|---|
| Date | Aug 1, 2017 |
| Instrument | 5187/2699 |
| Name | CENTENNIAL BANK |
|---|---|
| Type | Bank |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2047 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.75% |
| Type Change Date | Aug 1, 2022 |
| Change Frequency | Annually |
| Min Rate At Change | 3.75% |
| Max Rate At Change | 5.75% |
| Index | 1-Year CMT |
| Max Rate | 9.75% |
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 | $4,163.00 (+3.48%) | $275,460 (+5.99%) | $397,200 (+12.24%) Land $60,000 Building $337,200 |
| 2024 | $4,023.00 (+2.6%) | ||
| 2023 | $3,921.00 (+3.51%) Homeowner's exemption | $259,900 (+3%) | $353,900 (+12.85%) Land $55,000 Building $298,900 |
| 2022 | $3,788.00 Homeowner's exemption | $252,331 | $313,600 Land $50,000 Building $263,600 |
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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