Osceola County property record for 225 Delaware Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,346 sqft · built 1979 |
| Lot Size | 0.234 acres (10,193 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $206,000 (Feb 2007) |
| Tax Bill | $1,001 (2025) |
| Deeds & Mortgages | Jul 2026 Mortgage Feb 2022 Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | 01-26-30-0001-0424-0135 |
| Primary APN | 01-26-30-0001-0424-0135 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,346 sqft Living Area |
| Gross Area | 2,319 sqft |
| 1st Floor Area | 1,346 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 1979 |
| Architectural Style | Conventional |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 10,193 sqft (0.234 acres) |
| Lot Dimensions | 150 ft deep x 68 ft wide |
| Garage Type | Attached |
| Garage Area | 627 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished Vinyl Porch |
| Porch Area | 346 sqft |
| Utility Building | 324 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 225 DELAWARE AVE |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-2483 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR1A |
| Legal Description | GALION GARDENS PB 1 PG 140 BLK 424 N 18 FT LOT 13 & ALL OF LOT 14 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD 2ND PLAT TOWN OF |
| Legal Tract | 1 |
| Legal Block | 424 |
| Legal Lot Number | 135 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 5 |
| Census Block | 5018 |
| Census Tract | 43500 |
Source: Osceola County records, as of July 22, 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 | 225 DELAWARE AVE, SAINT CLOUD, FL 34769-2483 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 14, 2026 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Feb 25, 2022 | Deed of Trust, Mortgage · Conventional Mortgage ADDITION FINANCIAL CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 27, 2007 · Amount on Record |
| Deed Sale | Feb 27, 2007 · Amount on Record |
| Prior Sale | Feb 27, 2006 · Amount on Record |
| Deed Document Number | 200739757 |
| Deed Book / Page | 3418 / 1285 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jul 14, 2026 |
| Property Address | 225 DELAWARE AVE, SAINT CLOUD, FL 34769-2483 |
| Document Number | 0000091886 |
| Book / Page | 7003 / 1788 |
| Instrument Date | Jul 8, 2026 |
| Instrument | 202691886 |
| Transaction Type | Mortgage |
| Record Updated | Jul 22, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 225 DELAWARE AVE, SAINT CLOUD, FL 34769-2483 |
| Document Number | 0000091886, |
|---|---|
| Date | Jul 14, 2026 |
| Book Page | 7003/1788 |
| Instrument | 202691886 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.52% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 225 DELAWARE AVE, SAINT CLOUD, FL 34769-2483 |
| Transaction Type | Mortgage |
| Record Updated | Mar 9, 2022 |
| Name | Verified Name |
|---|---|
| Address | 225 DELAWARE AVE, SAINT CLOUD, FL 34769-2483 |
| Document Number | 0061582338 |
|---|---|
| Date | Feb 25, 2022 |
| Book Page | 6158/2338 |
| Instrument | 2022031336 |
| Name | ADDITION FINANCIAL CU |
|---|---|
| Type | Credit Union |
| Address | LAKE MARY, FL 32746 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Feb 24, 2032 |
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 | $1,001.00 (+8.8%) Homeowner's exemption | $98,818 (+5.99%) | $300,300 (+15.32%) Land $60,000 Building $240,300 |
| 2023 | $920.00 (+5.5%) Homeowner's exemption | $93,237 (+3%) | $260,400 (+18.58%) Land $55,000 Building $205,400 |
| 2022 | $872.00 Homeowner's exemption | $90,522 | $219,600 Land $50,000 Building $169,600 |
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.
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 51 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 51 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 64% of the US · lower than 90% of Florida |
|---|---|
| Wildfire Likelihood | 0.06% 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 384 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CenturyLink Fiber | 2,000 / 1,000 |
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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