Osceola County property record for 225 Oregon Ave, Saint Cloud, FL 34769 · Last verified December 2025
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,601 sqft · built 1972 |
| Lot Size | 0.26 acres (11,326 sqft) |
| Owner | Individual Name on File |
| Last Sale | $165,000 (May 2015) |
| Tax Bill | $2,068 (2025) |
| Deeds & Mortgages | Aug 2021 Mortgage Jun 2020 Mortgage + 1 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 80189 |
| Primary APN | 80189 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,601 sqft Heated Area |
| Gross Area | 1,863 sqft |
| 1st Floor Area | 1,601 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1972 |
|---|---|
| Effective Year Built | Effective 1977 |
| Exterior Material | Brick |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 11,326 sqft (0.26 acres) |
| Lot Dimensions | 150 ft deep x 75 ft wide |
| Porch | Open Porch |
|---|---|
| Porch Area | 262 sqft |
| Fence | Fence |
| Shed | 1 Shed |
| Shed Area | 32 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 80189 |
|---|---|
| Street Address | 225 OREGON AVE |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-2457 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | GALION GARDENS PB 1 PG 140 BLK 422 LOT 14 & S 25 FT LOT 15 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD 2ND AND 3RD STREETS |
| Legal Tract | 1 |
| Legal Block | 422 |
| Legal Lot Number | 14-15 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 5 |
| Census Block | 5009 |
| Census Tract | 43500 |
Source: Osceola County records · APN 80189
Assessment roll updated July 1, 2025 · Last verified December 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 File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 225 OREGON AVE, SAINT CLOUD, FL 34769-2457 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 11, 2021 | Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC |
| Jun 27, 2020 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| Oct 14, 2017 | Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 14, 2015 · Amount on Record |
| Deed Sale | May 14, 2015 · Amount on Record |
| Prior Sale | Nov 23, 1999 · Amount on Record |
| Deed Document Number | 2015069071 |
| Deed Book / Page | 4779 / 0131 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 225 OREGON AVE, SAINT CLOUD, FL 34769-2457 |
| Transaction Type | Mortgage |
| Record Updated | Aug 24, 2021 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 0060201652 |
|---|---|
| Date | Aug 11, 2021 |
| Book Page | 6020/1652 |
| Instrument | 2021124216 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 225 OREGON AVE, SAINT CLOUD, FL 34769-2457 |
| Document Number | 0057480864 |
| Instrument Date | Jun 27, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 27, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 225 OREGON AVE ST CLOUD FL 347692457, ST CLOUD, FL 34769-2457 |
| Document Number | 0057480864 |
|---|---|
| Date | Jul 02, 2020 |
| Book Page | 005748/000864 |
| Instrument | 85745 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 01, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 225 OREGON AVE, SAINT CLOUD, FL 34769-2457 |
| Document Number | 0052281209 |
| Book / Page | 005228 / 001209 |
| Instrument Date | Oct 14, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Nov 14, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 225 OREGON AVE ST CLOUD FL 347692457, ST CLOUD, FL 34769-2457 |
| Document Number | 0052281209 |
|---|---|
| Date | Oct 23, 2017 |
| Book Page | 005228/001209 |
| Instrument | 151952 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 22, 2047 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| 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 and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,068.00 (+6.98%) Homeowner's exemption | $158,460 (+5.99%) | $328,400 (+13.2%) Land $60,000 Building $268,400 |
| 2023 | $1,933.00 (+4.15%) Homeowner's exemption | $149,510 (+3%) | $290,100 (+13.19%) Land $55,000 Building $235,100 |
| 2022 | $1,856.00 Homeowner's exemption | $145,156 | $256,300 Land $50,000 Building $206,300 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Moderate |
| 500-Year Floodplain | Yes |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Wildfire Risk | Low above 36% of the US · above 10% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 1,754 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values are read at the parcel center point; lenders make the official flood determination.
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