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230 Wisconsin Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 230 Wisconsin Ave, Saint Cloud, FL 34769

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 1,820 sqft · built 2019
Lot Size0.269 acres (11,761 sqft)
OwnerIndividual Name on File
Last Sale$55,000 (Apr 2019)
Tax Bill$5,024 (2025)
Deeds & MortgagesNov 2019 Loan Modification
Apr 2019 Sale & Construction Loan
+ 1 more
Flood ZoneZone X (moderate risk)
APN012630000104410050

Property Details

APN / Parcel Number

Primary APN012630000104410050

Interior

Bedrooms4 Beds
Full Baths3 Baths
Stories1 Story
Building Area1,820 sqft Heated Area
Gross Area2,496 sqft
1st Floor Area1,820 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2019
Exterior MaterialConcrete Block
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area11,761 sqft (0.269 acres)
Lot Width80 ft Width
Garage TypeMixed
Garage Area440 sqft
PorchFinished/Screened Porch
Porch Area236 sqft
FenceFence

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address230 WISCONSIN AVE
CitySAINT CLOUD
StateFL
Zip34769-2203
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLAKE FRONT ADD PB B PGS 61-64 BLK 441 S 80 FT OF LOT 5 2/26/30
Legal Range30E
Legal Township26S
Legal Section01
Legal SubdivisionST CLOUD 2ND AND 3RD STREETS
Legal Tract1
Legal Block441
Legal Lot Number2,5
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group2
Census Block2007
Census Tract43400

Owner

230 Wisconsin Ave is owned and occupied by an individual who bought it in April 2019.

Source: Osceola County records, as of December 11, 2025

Owner of RecordIndividual Name on File
Mailing Address230 WISCONSIN AVE, SAINT CLOUD, FL 34769-2203
OccupancyOwner Occupied
Owner TypeIndividual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

DateDocument
Nov 8, 2019Loan Modification, Mortgage
CENTENNIAL BK
Apr 9, 2019Warranty Deed, Construction Loan · Construction Mortgage
CENTENNIAL BANK
Jul 27, 2018Warranty Deed, Transfer
STEWART TITLE

Assessor's Deed Record

Deed NamesName on Deed
Last SaleApr 9, 2019 · Amount on File
Deed SaleApr 9, 2019 · Amount on File
Prior SaleJul 27, 2018 · Amount on File
Deed Document Number2019044881
Deed Book / Page5505 / 0520
Record UpdatedJun 8, 2026

November 2019: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionOSCEOLA FL
Property Address230 WISCONSIN AVE, SAINT CLOUD, FL 34769-2203
Document Number0056270302
Instrument DateNov 8, 2019
Transaction TypeMortgage
Record UpdatedDec 10, 2019
Title CompanyOTHER

Transferred To (Grantee/Buyer)

NameVerified Name
Address230 WISCONSIN AVE ST CLOUD FL 347692203, ST CLOUD, FL 34769-2203

Mortgage

Document Number0056270302
DateNov 20, 2019
Book Page005627/000302
Instrument151411
Lender
NameCENTENNIAL BK
TypeBank
AddressCONWAY, AR 72032
Agreement
AmountAmount on Record
Term180 Months
DueNov 19, 2034
Interest
Rate TypeFixed Rate
Rate2.87%

April 2019: Warranty Deed, Construction Loan

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateApr 9, 2019
Property Address230 WISCONSIN AVE, SAINT CLOUD, FL 34769-2203
Document Number0055050520
Book / Page5505 / 0520
Map ReferenceMB B PG 61
Instrument DateApr 8, 2019
Instrument2019044881
Transaction TypeConstruction Loan
Record UpdatedAug 1, 2022
Title CompanySTEWART TITLE COMPANY

Transaction

AmountAmount on Record
Tax$385.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1136 NEW YORK AVE, 1136, SAINT CLOUD, FL 34769-3782

Transferred To (Grantee/Buyer)

NameVerified Name
Address2984 COOL BREEZE CIR, SAINT CLOUD, FL 34769-1967

Mortgage

Document Number2019044882
DateApr 9, 2019
Instrument2019044882
Lender
NameCENTENNIAL BANK
TypeBank
Agreement
TypeConstruction Mortgage
AmountAmount on Record
Term373 Months
DueMay 1, 2050
Interest
Rate TypeFixed Rate
Rate5%
Type Change DateMay 1, 2026
Change FrequencyAnnually
Min Rate At Change3.75%
Max Rate At Change7%
Index1-Year CMT
Max Rate11%

July 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateJul 27, 2018
Property Address230 WISCONSIN AVE, SAINT CLOUD, FL 34769-2203
Document Number0053742095
Book / Page005374 / 002095
Instrument DateJul 20, 2018
Instrument115065
Transaction TypeTransfer
Record UpdatedAug 17, 2018
Title CompanySTEWART TITLE

Transaction

AmountAmount on Record
Tax$1,260.00
Amount AccuracyConfirmed
Additional
  • Lis Pendens
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address1136 NEW YORK AVE ST CLOUD FL 347693782, ST CLOUD, FL 34769-3782

Tax Assessment & Valuation

The 2025 property tax bill for 230 Wisconsin Ave was $5,024 with exemptions applied.

Source: Osceola County assessment roll, as of July 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$5,024.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption$328,611$459,400 Land $60,000 Building $399,400
2023$4,734.00 (+3.48%) Homeowner's exemption Disabled Person's exemption Veteran's exemption$310,049 (+3%)$410,500 (+12.59%) Land $55,000 Building $355,500
2022$4,575.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption$301,019$364,600 Land $50,000 Building $314,600

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

Flood

FEMA maps place 230 Wisconsin Ave in Zone X, an area of moderate flood risk, within 500 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 ZoneZone X
moderate risk
500-Year FloodplainYes
0.2% annual chance
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 18 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies18 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.

Wildfire

Wildfire risk around 230 Wisconsin 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 RiskLow
lower than 65% of the US · lower than 91% of Florida
Wildfire Likelihood0.04% annual chance
ExposureDirect
burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemST. CLOUD, CITY OF (3 WPS)
serves 82,752 people · EPA ID FL3491373
Water SourceGroundwater
Last State InspectionJul 2025
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 306 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
CenturyLink
Fiber		8,000 / 8,000
Spectrum
Cable		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20

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