Osceola County property record for 225 Indiana Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 925 sqft · built 1953 |
| Lot Size | 0.172 acres (7,492 sqft) |
| Owner | Individual Name on File |
| Last Sale | $220,000 (Oct 2021) |
| Tax Bill | $2,675 (2025) |
| Deeds & Mortgages | Oct 2021 Sale & Mortgage Aug 2018 Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | 01-26-30-0001-0430-0045 |
| Primary APN | 01-26-30-0001-0430-0045 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 925 sqft Living Area |
| Gross Area | 1,509 sqft |
| 1st Floor Area | 925 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1953 |
|---|---|
| Effective Year Built | Effective 1999 |
| Architectural Style | Custom Design |
| Exterior Material | Aluminum Siding |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 7,492 sqft (0.172 acres) |
| Lot Dimensions | 150 ft deep x 0.5 ft wide |
| Garage Type | Carport |
| Garage Area | 319 sqft |
| Carport | Carport |
| Carport Area | 319 sqft |
| Porch | Florida Room |
|---|---|
| Porch Area | 161 sqft |
| Patio Area | 210 sqft |
| Shed | 1 Shed |
| Shed Area | 80 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 225 INDIANA AVE |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-2354 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR1A |
| Legal Description | LAKE FRONT ADDN PB B PG 63 BLK 430 N 1/2 LOT 4 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD 2ND PLAT TOWN OF |
| Legal Tract | 1 |
| Legal Block | 430 |
| Legal Lot Number | 4 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 3 |
| Census Block | 3008 |
| Census Tract | 43500 |
225 Indiana Ave is owned and occupied by an individual who bought it in October 2021.
Source: Osceola County records, as of November 26, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 225 INDIANA AVE, SAINT CLOUD, FL 34769-2354 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Oct 15, 2021 | Warranty Deed, Transfer · Conventional Mortgage THE MORTGAGE FIRM INC |
| Aug 31, 2018 | Deed of Trust, Mortgage · Conventional with PMI MORTGAGE FIRM |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 15, 2021 · Amount on File |
| Deed Sale | Oct 15, 2021 · Amount on File |
| Prior Sale | Sep 3, 2014 · Amount on File |
| Deed Document Number | 2021160994 |
| Deed Book / Page | 6066 / 673 |
| Prior Transfer Date | Sep 1, 2006 |
| Prior Transfer Doc | 0032701130 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Oct 15, 2021 |
| Property Address | 225 INDIANA AVE, SAINT CLOUD, FL 34769-2354 |
| Document Number | 0060660673 |
| Book / Page | 6066 / 673 |
| Map Reference | MB B PG 61-64 |
| Instrument Date | Oct 13, 2021 |
| Instrument | 2021160994 |
| Transaction Type | Transfer |
| Record Updated | Oct 29, 2021 |
| Title Company | SMART INTERNATIONAL TITLE LLC, SMART INTERNATIONAL TTL LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,540.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 225 INDIANA AVE, 225, SAINT CLOUD, FL 34769-2354 |
| Name | Verified Name |
|---|---|
| Address | 3507 CLAY BRICK RD, HARMONY, FL 34773-6063 |
| Document Number | 6066675 |
|---|---|
| Date | Oct 15, 2021 |
| Instrument | 6066/675 |
| Name | THE MORTGAGE FIRM INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 225 INDIANA AVE, SAINT CLOUD, FL 34769-2354 |
| Document Number | 0053971299 |
| Instrument Date | Aug 31, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Sep 20, 2018 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Address | 225 INDIANA AVE ST CLOUD FL 347692354, ST CLOUD, FL 34769-2354 |
| Document Number | 0053971299 |
|---|---|
| Date | Sep 7, 2018 |
| Book Page | 005397/001299 |
| Instrument | 135128 |
| Name | MORTGAGE FIRM |
|---|---|
| Type | Mortgage Company |
| Address | ALTAMONTE SPRINGS, FL 32714 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 6, 2048 |
The 2025 property tax bill for 225 Indiana Ave was $2,675 with a homeowner's exemption, up 3.6% from the year before.
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 | $2,675.00 (+3.64%) Homeowner's exemption | $192,350 | $221,100 Land $54,000 Building $167,100 |
| 2024 | $2,581.00 (+2.87%) | ||
| 2023 | $2,509.00 (+3.85%) Homeowner's exemption | $181,486 (+3%) | $198,100 (+12.43%) Land $49,500 Building $148,600 |
| 2022 | $2,416.00 Homeowner's exemption | $176,200 Land $45,000 Building $131,200 | $176,200 Land $45,000 Building $131,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 225 Indiana Ave in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.
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 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File 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.
Wildfire risk around 225 Indiana Ave is low, with a 0.04% annual chance of wildfire.
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 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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