Osceola County property record for 231 Wisconsin Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,971 sqft · built 2019 |
| Lot Size | 0.22 acres (9,583 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $60,000 (May 2018) |
| Tax Bill | $3,022 (2025) |
| Deeds & Mortgages | Mar 2019 Mortgage Nov 2019 Loan Modification + 2 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 01-26-30-0001-0440-0050 |
| Primary APN | 01-26-30-0001-0440-0050 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,971 sqft Living Area |
| Gross Area | 2,582 sqft |
| 1st Floor Area | 1,971 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2019 |
|---|---|
| Effective Year Built | Effective 2019 |
| Architectural Style | Conventional |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 9,583 sqft (0.22 acres) |
| Lot Dimensions | 150 ft deep x 100 ft wide |
| Garage Type | Attached |
| Garage Area | 441 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 170 sqft |
| Patio Area | 400 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 231 WISCONSIN AVE |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-2201 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR1A |
| Legal Description | LAKE FRONT ADD PB B PGS 61-64 BLK 440 THE S 62.5 FT OF LOT 5 2/26/30 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD 2ND PLAT TOWN OF |
| Legal Tract | 1 |
| Legal Block | 440 |
| Legal Lot Number | 5 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 43400 |
Source: Osceola County records, as of November 26, 2025
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 231 WISCONSIN AVE, SAINT CLOUD, FL 34769-2201 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 22, 2019 | Deed of Trust, Mortgage · ARM CENTENNIAL BANK |
| Nov 1, 2019 | Loan Modification, Mortgage CENTENNIAL BK |
| May 23, 2018 | Warranty Deed, Transfer STEWART TITLE |
| Jan 10, 2018 | Deed of Trust, Mortgage HLI INVESMENTS AND FUNDING FUND 2 LLC HLI INVESMENTS AND FUNDING FUND 2 LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 23, 2018 · Amount on Record |
| Deed Sale | May 23, 2018 · Amount on Record |
| Deed Document Number | 201881271 |
| Deed Book / Page | 5338 / 2567 |
| Prior Transfer Date | Nov 12, 2009 |
| Prior Transfer Doc | 0039282232 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 231 WISCONSIN AVE, SAINT CLOUD, FL 34769-2201 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0054952935 |
|---|---|
| Date | Mar 22, 2019 |
| Book Page | 5495/2935 |
| Instrument | 2019036997 |
| Name | CENTENNIAL BANK |
|---|---|
| Type | Bank |
| Address | CONWAY, AR 72033 |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 373 Months |
| Due | Apr 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5% |
| Type Change Date | Apr 1, 2025 |
| Change Frequency | Annually |
| Min Rate At Change | 3.75% |
| Max Rate At Change | 7% |
| Index | 1-Year CMT |
| Max Rate | 11% |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 231 WISCONSIN AVE, SAINT CLOUD, FL 34769-2201 |
| Document Number | 0056251845 |
| Instrument Date | Nov 1, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Dec 4, 2019 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Address | 231 WISCONSIN AVE ST CLOUD FL 347692201, ST CLOUD, FL 34769-2201 |
| Document Number | 0056251845 |
|---|---|
| Date | Nov 18, 2019 |
| Book Page | 005625/001845 |
| Instrument | 150027 |
| Name | CENTENNIAL BK |
|---|---|
| Type | Bank |
| Address | CONWAY, AR 72032 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Nov 17, 2049 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.5% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | May 23, 2018 |
| Property Address | 231 WISCONSIN AVE, SAINT CLOUD, FL 34769-2201 |
| Document Number | 0053382567 |
| Book / Page | 005338 / 002567 |
| Instrument Date | May 23, 2018 |
| Instrument | 81271 |
| Transaction Type | Transfer |
| Record Updated | Jun 19, 2018 |
| Title Company | STEWART TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $420.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2323 SANTA ANA ST KISSIMMEE FL 347433335, KISSIMMEE, FL 34743-3335 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 231 WISCONSIN AVE, SAINT CLOUD, FL 34769-2201 |
| Document Number | 0052691803 |
| Instrument Date | Jan 10, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Aug 30, 2018 |
| Title Company | ATTORNEY ONLY |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 4417 13TH ST #137 ST CLOUD FL 347696724, 137, ST CLOUD, FL 34769-6724 |
| Investor | Possibly a Property Investor |
| Document Number | 0052691803 |
|---|---|
| Date | Jan 16, 2018 |
| Book Page | 005269/001803 |
| Instrument | 8092 |
| Name | HLI INVESMENTS AND FUNDING FUND 2 LLC HLI INVESMENTS AND FUNDING FUND 2 LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | WINTER PARK, FL 32790 |
| Amount | Amount Recorded |
|---|
Source: Osceola County assessment roll, as of November 26, 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 | $3,022.00 (+3.67%) Homeowner's exemption Veteran's exemption | $216,739 (+5.99%) | $406,400 (+14.71%) Land $60,000 Building $346,400 |
| 2024 | $2,915.00 (+2.89%) | ||
| 2023 | $2,833.00 (+3.85%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $204,497 (+3%) | $354,300 (+19.01%) Land $55,000 Building $299,300 |
| 2022 | $2,728.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $198,541 | $297,700 Land $50,000 Building $247,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 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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