Osceola County property record for 231 Delaware Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,518 sqft · built 1979 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | Individual Name on File |
| Last Sale | $340,000 (Feb 2023) |
| Tax Bill | $4,280 (2025) |
| Deeds & Mortgages | Jan 2026 Mortgage Feb 2023 Sale & Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | 80212 |
| Primary APN | 80212 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,518 sqft Heated Area |
| Gross Area | 2,123 sqft |
| 1st Floor Area | 1,518 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1979 |
|---|---|
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 10,019 sqft (0.23 acres) |
| Lot Dimensions | 150 ft deep x 66 ft wide |
| Garage Type | Finished |
| Garage Area | 520 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 85 sqft |
| Shed | 1 Shed |
| Shed Area | 90 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 80212 |
|---|---|
| Street Address | 231 DELAWARE AVE |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-2483 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR1A |
| Legal Description | GALION GARDENS PB 1 PG 140 BLK 424 N 34 FT LOT 12 & S 32 FT LOT 13 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD 2ND AND 3RD STREETS |
| Legal Tract | 1 |
| Legal Block | 424 |
| Legal Lot Number | 12-13 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 5 |
| Census Block | 5018 |
| Census Tract | 43500 |
Source: Osceola County assessment roll, as of July 1, 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 | 231 DELAWARE AVE, SAINT CLOUD, FL 34769-2483 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 23, 2026 | Deed of Trust, Mortgage · FHA Mortgage PLANET HOME LENDING LLC |
| Feb 27, 2023 | Warranty Deed, Transfer · FHA Mortgage CROSSCOUNTRY MORTGAGE LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Feb 27, 2023 · Amount on Record |
| Deed Sale | Feb 27, 2023 · Amount on Record |
| Deed Document Number | 2023022843 |
| Deed Book / Page | 6363 / 1246 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 231 DELAWARE AVE, SAINT CLOUD, FL 34769-2483 |
| Transaction Type | Mortgage |
| Record Updated | Feb 6, 2026 |
| Name | Verified Name |
|---|---|
| Address | 231 DELAWARE AVE, SAINT CLOUD, FL 34769-2483 |
| Document Number | 0069121557 |
|---|---|
| Date | Jan 23, 2026 |
| Book Page | 6912/1557 |
| Instrument | 2026010628 |
| Name | PLANET HOME LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 480 Months |
| Due | Jan 1, 2066 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Feb 27, 2023 |
| Property Address | 231 DELAWARE AVE, SAINT CLOUD, FL 34769-2483 |
| Document Number | 0063631246 |
| Book / Page | 6363 / 1246 |
| Map Reference | MB 1 PG 140 |
| Instrument Date | Feb 24, 2023 |
| Instrument | 2023022843 |
| Transaction Type | Transfer |
| Record Updated | Mar 10, 2023 |
| Title Company | PARAGON TITLE GROUP INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,380.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 231 DELAWARE AVE, SAINT CLOUD, FL 34769-2483 |
| Name | Verified Name |
|---|---|
| Address | 260 BELGIAN DR APT 8109, 8109, MELBOURNE, FL 32904-3430 |
| Document Number | 0063631247 |
|---|---|
| Date | Feb 27, 2023 |
| Instrument | 6363/1247 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2053 |
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 | $4,280.00 (+469.15%) Homeowner's exemption Disabled Person's exemption | $287,000 (+242.09%) Land $60,000 Building $227,000 | $287,000 (+15.54%) Land $60,000 Building $227,000 |
| 2023 | $752.00 (+6.21%) Homeowner's exemption | $83,896 (+3%) | $248,400 (+21.11%) Land $55,000 Building $193,400 |
| 2022 | $708.00 Homeowner's exemption | $81,453 | $205,100 Land $50,000 Building $155,100 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are 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 X moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 51 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 51 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 64% of the US · lower than 90% of Florida |
|---|---|
| Wildfire Likelihood | 0.06% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 384 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Lumen Technologies Fiber | 2,000 / 1,000 |
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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