Osceola County property record for 232 Virginia Ave, Saint Cloud, FL 34769 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 1983 |
| Square Footage | 1,504 sqft Heated Area |
| Lot Size | 10,454 sqft (0.239 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $283,000 (2021) |
| Tax Bill | $4,439.00 (2025) |
| Primary APN | 80255 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,504 sqft Heated Area |
| Gross Area | 2,122 sqft Gross Area |
| 1st Floor | 1,504 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Tile Flooring |
| Interior Structure | Plaster Interior Structure |
| Year Built | Built 1963 |
|---|---|
| Effective Year Built | Effective 1983 |
| Exterior Material | Concrete Block Exterior |
| Foundation Type | Footing Foundation |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 10,454 sqft (0.239 acres) |
| Depth X Width | 150 ft x 70 ft Depth x Width |
| Garage Type | Carport Garage |
| Carport | Carport |
| Porch | Open Porch |
| Porch Area | 30 sqft Porch |
| Utility Building | 216 sqft Utility Building |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Account Number | 80255 |
|---|---|
| Street Address | 232 VIRGINIA AVE |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-2436 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LAKE FRONT ADDN PB B PG 63 BLK 428 S 40 FT LOT 3 & N 30 FT LOT 4 1/26/30 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD 2ND AND 3RD STREETS |
| Legal Tract | 1 |
| Legal Block | 428 |
| Legal Lot Number | 1,3-4 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 3 |
| Census Block | 3010 |
| Census Tract | 43500 |
Source: Osceola County records · APN 80255
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 | 2 Verified Secondary Owners |
| Mailing Address | 232 VIRGINIA AVE, SAINT CLOUD, FL 34769-2436 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Dec 28, 2023 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage NEWREZ LLC |
| Jun 21, 2021 | Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage MORTGAGE EQUITY PARTNERS LLC |
| Jul 26, 2018 | Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage COLUMBUS CAPITAL LENDING LLC |
| Deed Names | 3 Verified Names on Deed |
|---|---|
| Last Sale | Jun 21, 2021 · Amount on Record |
| Deed Sale | Jun 21, 2021 · Amount on Record |
| Prior Sale | Jul 26, 2018 · Amount on Record |
| Deed Doc Number | 2021096626 |
| Deed Book / Page | 5985 / 1703 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 232 VIRGINIA AVE, SAINT CLOUD, FL 34769-2436 |
| Transaction Type | Mortgage |
| Record Updated | Jan 16, 2024 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 232 VIRGINIA AVE, SAINT CLOUD, FL 34769-2436 |
| Document Number | 0065251904 |
|---|---|
| Date | Dec 28, 2023 |
| Book Page | 6525/1904 |
| Instrument | 2023168084 |
| Name | NEWREZ LLC |
|---|---|
| Type | Mortgage Company |
| Address | TEMPE, AZ 85284 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 331 Months |
| Due | Jul 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jun 21, 2021 |
| Property Address | 232 VIRGINIA AVE, SAINT CLOUD, FL 34769-2436 |
| Document Number | 0059851703 |
| Book / Page | 5985 / 1703 |
| Map Reference | MB B PG 61 |
| Instrument Date | Jun 18, 2021 |
| Instrument | 2021096626 |
| Transaction Type | Transfer |
| Record Updated | Jul 08, 2021 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NATL TTL OF FL INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,981.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4153 FANNY BASS RD, 4153, SAINT CLOUD, FL 34772-9136 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenant/Joint Tenant w/ Right Of Survivorship |
| Address | 232 VIRGINIA AVE, SAINT CLOUD, FL 34769-2436 |
| Document Number | 59851705 |
|---|---|
| Date | Jun 21, 2021 |
| Instrument | 5985/1705 |
| Name | MORTGAGE EQUITY PARTNERS LLC |
|---|---|
| Type | Mortgage Company |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jul 26, 2018 |
| Property Address | 232 VIRGINIA AVE, SAINT CLOUD, FL 34769-2436 |
| Document Number | 0053732859 |
| Book / Page | 5373 / 2859 |
| Map Reference | MB8 PG61-64 |
| Instrument Date | Jul 20, 2018 |
| Instrument | 2018114376 |
| Transaction Type | Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | LA ROSA TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,507.10 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 564 COMMUNITY HALL LN, 564, SAINT HELENA, CA 94574-9737 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenant/Joint Tenant w/ Right Of Survivorship |
| Address | 14316 COLONIAL GRAND BLVD # 3018, 3018, ORLANDO, FL 32837-4849 |
| Document Number | 2018114377 |
|---|---|
| Date | Jul 26, 2018 |
| Instrument | 2018114377 |
| Name | COLUMBUS CAPITAL LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 01, 2048 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
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 | $4,439.00 (+6.09%) Homeowner's exemption | $290,928 (+5.99%) | $340,900 (+13.37%) Land $60,000 Building $280,900 |
| 2023 | $4,184.00 (+3.49%) Homeowner's exemption | $274,495 (+3%) | $300,700 (+12.83%) Land $55,000 Building $245,700 |
| 2022 | $4,043.00 Homeowner's exemption | $266,500 Land $50,000 Building $216,500 | $266,500 Land $50,000 Building $216,500 |
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
| 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 100 ft |
| Wildfire Risk | Low above 34% of the US · above 9% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 3,125 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.
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