1. Home
  2. Florida
  3. Osceola County
  4. Saint Cloud
  5. Jersey Ave

228 Jersey Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 228 Jersey Ave, Saint Cloud, FL 34769 · Last verified December 2025

Property Summary

Property TypeSingle Family Home
Details2 ba · 1,765 sqft · built 1972
Lot Size0.339 acres (14,810 sqft)
OwnerIndividual Name on File
Tax Bill$875 (2025)
Deeds & MortgagesSep 2019 Mortgage
Sep 2019 Loan Modification
Flood ZoneZone AE (high risk)
APN80354

Property Details

APN / Parcel Number

Primary APN80354
Alternative APN
  • 012630000104420040

Interior

Full Baths2 Baths
Stories1 Story
Building Area1,765 sqft Heated Area
Gross Area2,206 sqft
1st Floor Area1,765 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1972
Exterior MaterialConcrete Block
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area14,810 sqft (0.339 acres)
Lot Dimensions150 ft deep x 100 ft wide
Garage TypeCarport
CarportCarport

Exterior Amenities

PorchFinished/Screened Porch
Porch Area144 sqft
FenceFence
Shed1 Shed
Shed Area140 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Account Number80354
Street Address228 JERSEY AVE
CitySAINT CLOUD
StateFL
Zip34769-2228
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLAKE FRONT ADDN PB B PG 61-62 BLK 442 LOT 4
Legal Range30E
Legal Township26S
Legal Section01
Legal SubdivisionST CLOUD 2ND AND 3RD STREETS
Legal Tract1
Legal Block442
Legal Lot Number4
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group2
Census Block2006
Census Tract43400

Owner

Source: Osceola County records · APN 80354

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 RecordIndividual Name on File
Mailing Address228 JERSEY AVE, SAINT CLOUD, FL 34769-2228
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Sep 12, 2019Deed of Trust, Mortgage · FHA Mortgage
HUD-HOUSING/URBAN DEV
Sep 12, 2019Loan Modification, Mortgage · FHA Mortgage
LAKEVIEW LN SERVICING

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleJan 30, 2020
Deed SaleJan 30, 2020
Prior SaleJul 11, 2008 · Amount on Record
Deed Document Number0006086356
Deed Book / Page4007 / 0002
Prior Transfer DateJul 12, 2010
Prior Transfer Doc2010098817
Record UpdatedJun 08, 2026

September 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address228 JERSEY AVE, SAINT CLOUD, FL 34769-2228
Document Number0056110893
Instrument DateSep 12, 2019
Transaction TypeMortgage
Record UpdatedNov 08, 2019
Title CompanyATTORNEY ONLY

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipMarried Couple
Address228 JERSEY AVE ST CLOUD FL 347692228, ST CLOUD, FL 34769-2228

Mortgage

Document Number0056110893
DateOct 23, 2019
Book Page005611/000893
Instrument137685
Lender
NameHUD-HOUSING/URBAN DEV
Address451 7TH ST SW, WASHINGTON, DC 20410-0001
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueOct 22, 2049

September 2019: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionOSCEOLA FL
Property Address228 JERSEY AVE, SAINT CLOUD, FL 34769-2228
Document Number0056110886
Instrument DateSep 12, 2019
Transaction TypeMortgage
Record UpdatedNov 08, 2019
Title CompanyATTORNEY ONLY

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipMarried Couple
Address228 JERSEY AVE ST CLOUD FL 347692228, ST CLOUD, FL 34769-2228

Mortgage

Document Number0056110886
DateOct 23, 2019
Book Page005611/000886
Instrument137684
Lender
NameLAKEVIEW LN SERVICING
TypeFunding / Finance Company
AddressCORAL GABLES, FL 33146
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueOct 22, 2049
Interest
Rate TypeFixed Rate
Rate4.12%

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2025$875.00 (+9.38%) Homeowner's exemption$91,774 (+5.99%)$260,200 (+14.88%) Land $66,000 Building $194,200
2023$800.00 (+5.96%) Homeowner's exemption$86,591 (+3%)$226,500 (+14.57%) Land $60,500 Building $166,000
2022$755.00 Homeowner's exemption$84,069$197,700 Land $55,000 Building $142,700

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970434002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone AE
Special Flood Hazard AreaYes
Flood HazardHigh
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation61.0 ft
Flood Insurance RequirementRequired (federally backed mortgages)
Flood Insurance CostPremium on Record
median of 18 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies18 in force
15 of 18 on primary residences

Wildfire

Wildfire RiskLow
above 34% of the US · above 9% of Florida
Wildfire LikelihoodAbout 1 in 2,439 per year
ExposureDirect
burnable vegetation at the parcel

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.

Nearby Properties on Jersey Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures