Osceola County property record for 224 Virginia Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2.5 ba · 1,373 sqft · built 1958 |
| Lot Size | 0.237 acres (10,323 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $310,000 (Oct 2024) |
| Tax Bill | $3,941 (2025) |
| Deeds & Mortgages | Apr 2024 Mortgage Feb 2024 Mortgage + 2 more |
| Flood Zone | Zone AE (high risk) |
| APN | 01-26-30-0001-0428-0025 |
| Primary APN | 01-26-30-0001-0428-0025 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,373 sqft Living Area |
| Gross Area | 1,710 sqft |
| 1st Floor Area | 1,373 sqft |
| Flooring | Wood |
| Interior Walls | Plaster |
| Year Built | Built 1958 |
|---|---|
| Effective Year Built | Effective 1968 |
| Architectural Style | Conventional |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 10,323 sqft (0.237 acres) |
| Lot Dimensions | 150 ft deep x 0.7 ft wide |
| Garage Type | Carport |
| Garage Area | 120 sqft |
| Carport | Carport |
| Carport Area | 120 sqft |
| Porch | Open/Unfinished Porch |
| Porch Area | 133 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 224 VIRGINIA AVE |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-2436 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR1A |
| Legal Description | LAKE FRONT ADDN PB B PG 63 BLK 428 N 60 FT LOT 3 & S 10 FT LOT 2 1/26/30 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD 2ND PLAT TOWN OF |
| Legal Tract | 1 |
| Legal Block | 428 |
| Legal Lot Number | 25 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 3 |
| Census Block | 3010 |
| Census Tract | 43500 |
Source: Osceola County records · APN 01-26-30-0001-0428-0025
Assessment roll updated November 26, 2025 · Last verified April 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 File |
|---|---|
| Mailing Address | 224 VIRGINIA AVE, SAINT CLOUD, FL 34769-2436 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
| Date | Document |
|---|---|
| Apr 04, 2024 | Deed of Trust, Mortgage PENNYMAC LOAN SERVICES LLC |
| Feb 06, 2024 | Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC |
| Apr 21, 2022 | Warranty Deed, Transfer · FHA Mortgage THE MORTGAGE FIRM INC |
| Oct 03, 2019 | Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE FIRM |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Oct 08, 2024 · Amount on Record |
| Deed Sale | Oct 08, 2024 · Amount on Record |
| Prior Sale | Apr 21, 2022 · Amount on Record |
| Deed Document Number | 2024128596 |
| Deed Book / Page | 6676 / 2717 |
| Last Transfer Date | Feb 03, 2025 |
| Transfer Doc | 0067372954 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 224 VIRGINIA AVE, SAINT CLOUD, FL 34769-2436 |
| Transaction Type | Mortgage |
| Record Updated | May 14, 2024 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 224 VIRGINIA AVE, SAINT CLOUD, FL 34769-2436 |
| Document Number | 0065770481 |
|---|---|
| Date | Apr 04, 2024 |
| Book Page | 6577/481 |
| Instrument | 2024043147 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | 6101 CONDOR DR # 200, MOORPARK, CA 93021 |
| Amount | Amount Recorded |
|---|---|
| Term | 337 Months |
| Due | May 01, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 224 VIRGINIA AVE, SAINT CLOUD, FL 34769-2436 |
| Transaction Type | Mortgage |
| Record Updated | Feb 21, 2024 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 224 VIRGINIA AVE, SAINT CLOUD, FL 34769-2436 |
| Document Number | 0065450596 |
|---|---|
| Date | Feb 06, 2024 |
| Book Page | 6545/596 |
| Instrument | 2024015283 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | MOORPARK, CA 93021 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 339 Months |
| Due | May 01, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Apr 21, 2022 |
| Property Address | 224 VIRGINIA AVE, SAINT CLOUD, FL 34769-2436 |
| Document Number | 0061981757 |
| Book / Page | 6198 / 1757 |
| Map Reference | MB B PG 61-64 |
| Instrument Date | Apr 20, 2022 |
| Instrument | 2022062934 |
| Transaction Type | Transfer |
| Record Updated | Aug 01, 2022 |
| Title Company | THE CLOSING BOUTIQUE LLC, THE CLOSING AGENT LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,142.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1506 TENNESSEE AVE, 1506, SAINT CLOUD, FL 34769-4952 |
| Name | Verified Name |
|---|---|
| Address | 224 VIRGINIA AVE, SAINT CLOUD, FL 34769-2436 |
| Document Number | 0061981759 |
|---|---|
| Date | Apr 21, 2022 |
| Instrument | 6198/1759 |
| Name | THE MORTGAGE FIRM INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 224 VIRGINIA AVE, SAINT CLOUD, FL 34769-2436 |
| Document Number | 0056030923 |
| Instrument Date | Oct 03, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Oct 31, 2019 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Address | 224 VIRGINIA AVE ST CLOUD FL 347692436, ST CLOUD, FL 34769-2436 |
| Document Number | 0056030923 |
|---|---|
| Date | Oct 10, 2019 |
| Book Page | 005603/000923 |
| Instrument | 130693 |
| Name | MORTGAGE FIRM |
|---|---|
| Type | Mortgage Company |
| Address | ALTAMONTE SPRINGS, FL 32714 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Oct 09, 2044 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 2026
| 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 | $3,941.00 (+10.15%) | $263,104 (+11.63%) | $270,600 (+14.81%) Land $60,000 Building $210,600 |
| 2024 | $3,578.00 (+2.67%) | ||
| 2023 | $3,485.00 (+257.8%) Homeowner's exemption | $235,700 (+144.94%) Land $55,000 Building $180,700 | $235,700 (+18.62%) Land $55,000 Building $180,700 |
| 2022 | $974.00 Homeowner's exemption | $96,227 | $198,700 Land $50,000 Building $148,700 |
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.
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