229 Oregon Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 229 Oregon Ave, Saint Cloud, FL 34769 · Last verified December 2025

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	2 Baths
Year Built	Built 1993
Square Footage	1,456 sqft Heated Area
Lot Size	11,326 sqft (0.26 acres)
Occupancy	Owner Occupied
Last Sale	$168,000 (2016)
Tax Bill	$2,219.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`80188`
Alternative APN	`012630000104220130`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,456 sqft Heated Area
Gross Area	1,936 sqft Gross Area
1st Floor	1,456 sqft 1st Floor
Stories	1 Stories
Primary Flooring	Tile Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 1993
Exterior Material	Concrete Block Exterior
Foundation Type	Footing Foundation
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	11,326 sqft (0.26 acres)
Depth X Width	150 ft x 75 ft Depth x Width
Parking Spaces	2 Parking Spaces
Garage Type	Finished Garage
Garage Area	460 sqft Garage
Patio Area	120 sqft Patio
Porch	Open Porch
Porch Area	20 sqft Porch

Utilities and HVAC

Cooling System	A/C Package Cooling
Heating System	HVAC Heating

Location & Zoning

Account Number	80188
Street Address	229 OREGON AVE
City	SAINT CLOUD
State	FL
Zip	34769-2457
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	GALION GARDENS PB 1 PG 140 BLK 422 N 1/2 LOT 12 & ALL LOT 13
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	12-13
Jurisdiction	OSCEOLA FL
Minor Civil Division	ST. CLOUD
Census Blockgroup	5
Census Block	5009
Census Tract	43500

Owner

Source: Osceola County records · APN 80188

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	229 OREGON AVE, SAINT CLOUD, FL 34769-2457
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 19, 2016 · Amount on Record
Deed Sale	Apr 19, 2016 · Amount on Record
Deed Doc Number	2016058846
Deed Book / Page	4946 / 1256
Record Refreshed	Jun 08, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	229 OREGON AVE, SAINT CLOUD, FL 34769-2457
Transaction Type	Mortgage
Record Updated	Feb 05, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0057670048
Date	Aug 03, 2020
Book Page	5767/48
Instrument	2020100928

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	MOORPARK, CA 93021

Agreement

Type	Federal Housing Administration (FHA) Mortgage
Amount	Amount Recorded
Term	309 Months
Due	May 01, 2046

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Municipality	St. Cloud City
Unified School District	Osceola 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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,219.00 (+6.89%) Homeowner's exemption	$166,852 (+5.99%)	$297,100 (+14.09%) Land $60,000 Building $237,100
2023	$2,076.00 (+4.06%) Homeowner's exemption	$157,428 (+3%)	$260,400 (+18.36%) Land $55,000 Building $205,400
2022	$1,995.00 Homeowner's exemption	$152,843	$220,000 Land $50,000 Building $170,000

Flood & Wildfire

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

Flood

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

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.