Osceola County property record for 227 Vermont Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,296 sqft · built 1973 |
| Lot Size | 0.219 acres (9,583 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $370,000 (Jul 2022) |
| Tax Bill | $3,287 (2025) |
| Deeds & Mortgages | Jul 2022 Sale & Mortgage Feb 2022 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 80358 |
| Primary APN | 80358 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,296 sqft Heated Area |
| Gross Area | 1,436 sqft |
| 1st Floor Area | 999 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1973 |
|---|---|
| Effective Year Built | Effective 2010 |
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 9,583 sqft (0.219 acres) |
| Lot Dimensions | 150 ft deep x 65 ft wide |
| Garage Type | Finished |
| Garage Area | 297 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
| Porch Area | 140 sqft |
| Fence | Fence |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 80358 |
|---|---|
| Street Address | 227 VERMONT AVE |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-2213 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR1A |
| Legal Description | ST CLOUD PB B PG 61-62 BLK 442 LOT 7 LESS S 28.5 FT & N 6.5 FT |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD 2ND AND 3RD STREETS |
| Legal Tract | 1 |
| Legal Block | 442 |
| Legal Lot Number | 7 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 43400 |
Source: Osceola County records, as of December 11, 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 Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 227 VERMONT AVE, SAINT CLOUD, FL 34769-2213 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 18, 2022 | Warranty Deed, Subdivision Related Transfer · FHA Mortgage WATERSTONE MORTGAGE CORP |
| Feb 7, 2022 | Warranty Deed, Transfer · Balloon Mortgage SUTTER FAMILY INVESTMENTS LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 18, 2022 · Amount on Record |
| Deed Sale | Jul 18, 2022 · Amount on Record |
| Prior Sale | Feb 7, 2022 · Amount on Record |
| Deed Document Number | 2022110227 |
| Deed Book / Page | 6253 / 48 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jul 18, 2022 |
| Property Address | 227 VERMONT AVE, SAINT CLOUD, FL 34769-2213 |
| Document Number | 0062530048 |
| Book / Page | 6253 / 48 |
| Instrument Date | Jul 15, 2022 |
| Instrument | 2022110227 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Aug 5, 2022 |
| Title Company | STEWART TITLE COMPANY-F, STEWART TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,590.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5155 STARLINE DR, 5155, SAINT CLOUD, FL 34771-9029 |
| Name | Verified Name |
|---|---|
| Address | 227 VERMONT AVE, SAINT CLOUD, FL 34769-2213 |
| Document Number | 0000625349 |
|---|---|
| Date | Jul 18, 2022 |
| Instrument | 6253/49 |
| Name | WATERSTONE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Feb 7, 2022 |
| Property Address | 227 VERMONT AVE, SAINT CLOUD, FL 34769-2213 |
| Document Number | 0061442919 |
| Book / Page | 6144 / 2919 |
| Map Reference | MB B PG 61&62 |
| Instrument Date | Feb 4, 2022 |
| Instrument | 2022020355 |
| Transaction Type | Transfer |
| Record Updated | Aug 1, 2022 |
| Title Company | STEWART TITLE COMPANY-F, STEWART TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,330.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 11730 FRUBISHER CT, 11730, ORLANDO, FL 32837-7745 |
| Name | Verified Name |
|---|---|
| Address | 5155 STARLINE DR, SAINT CLOUD, FL 34771-9029 |
| Document Number | 0061442920 |
|---|---|
| Date | Feb 7, 2022 |
| Instrument | 6144/2920 |
| Name | SUTTER FAMILY INVESTMENTS LLC |
|---|---|
| Type | Non-Lending Institution |
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Feb 4, 2023 |
Source: Osceola County assessment roll, as of July 1, 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 | $3,287.00 (+6.38%) Homeowner's exemption | $226,546 (+5.99%) | $328,400 (+11.85%) Land $60,000 Building $268,400 |
| 2023 | $3,090.00 (+16.12%) Homeowner's exemption | $213,750 (+38.44%) | $293,600 (+90.16%) Land $55,000 Building $238,600 |
| 2022 | $2,661.00 | $154,400 Land $50,000 Building $104,400 | $154,400 Land $50,000 Building $104,400 |
Assessed value is set for property tax purposes, not a market price estimate; it is 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 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 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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