Osceola County property record for 235 Crossings Ave, Saint Cloud, FL 34771
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,955 sqft · built 2024 |
| Lot Size | 0.08 acres (3,484 sqft) |
| Owner | Individual Name on File |
| Last Sale | $390,600 (Aug 2024) |
| Tax Bill | $7,056 (2025) |
| Deeds & Mortgages | Oct 2026 Mortgage Aug 2024 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 22-25-31-3661-0001-1690 |
| Primary APN | 22-25-31-3661-0001-1690 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,955 sqft Living Area |
| Gross Area | 2,560 sqft |
| 1st Floor Area | 803 sqft |
| Flooring | Tile |
| Year Built | Built 2024 |
|---|---|
| Effective Year Built | Effective 2024 |
| Architectural Style | L-Shape |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 3,484 sqft (0.08 acres) |
| Garage Type | Attached |
| Garage Area | 528 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 77 sqft |
| Heating System | HVAC |
|---|
| Street Address | 235 CROSSINGS AVE |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-8135 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CROSSINGS PH 1 PB 33 PGS 53-60 LOT 169 |
| Legal Subdivision | CROSSINGS PHASE 1 |
| Legal Lot Number | 169 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1053 |
| Census Tract | 43700 |
235 Crossings Ave is owned and occupied by an individual who bought it in August 2024.
Source: Osceola County records, as of October 16, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 235 CROSSINGS AVE, SAINT CLOUD, FL 34771-8135 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single Man |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Oct 5, 2026 | Deed of Trust, Mortgage · FHA Mortgage NONE LISTED ON DOCUMENT |
| Aug 20, 2024 | Special Warranty Deed, Transfer · FHA Mortgage VANDERBILT MORTGAGE & FINANCE INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 20, 2024 · Amount on File |
| Deed Sale | Aug 20, 2024 · Amount on File |
| Prior Sale | Mar 7, 2024 · Amount on File |
| Deed Document Number | 2024108415 |
| Deed Book / Page | 6652 / 1861 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Oct 5, 2026 |
| Property Address | 235 CROSSINGS AVE, SAINT CLOUD, FL 34771-8135 |
| Document Number | 0000127846 |
| Book / Page | 7044 / 541 |
| Instrument Date | Sep 11, 2026 |
| Instrument | 2026127846 |
| Transaction Type | Mortgage |
| Record Updated | Oct 16, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 235 CROSSINGS AVE, SAINT CLOUD, FL 34771-8135 |
| Document Number | 0000127846, |
|---|---|
| Date | Oct 5, 2026 |
| Book Page | 7044/541 |
| Instrument | 2026127846 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 480 Months |
| Due | Oct 1, 2066 |
| Max Rate | -1% |
|---|
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Aug 20, 2024 |
| Property Address | 235 CROSSINGS AVE, SAINT CLOUD, FL 34771-8135 |
| Document Number | 0066521861 |
| Book / Page | 6652 / 1861 |
| Map Reference | MB 33 PG 53-60 |
| Instrument Date | Aug 19, 2024 |
| Instrument | 2024108415 |
| Transaction Type | Transfer |
| Record Updated | Dec 12, 2025 |
| Title Company | INNOVATIVE TITLE AGENCY, INNOVATIVE TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,734.20 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3020 S FLORIDA AVE STE 101, 101, LAKELAND, FL 33803-4058 |
| Name | Verified Name |
|---|---|
| Address | 235 CROSSINGS AVE, SAINT CLOUD, FL 34771-8135 |
| Document Number | 2024108416 |
|---|---|
| Date | Aug 20, 2024 |
| Instrument | 2024108416 |
| Name | VANDERBILT MORTGAGE & FINANCE INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2054 |
The 2025 property tax bill for 235 Crossings Ave was $7,056.
Source: Osceola County assessment roll, as of November 26, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $7,056.00 | $332,500 Land $60,000 Building $272,500 | $332,500 Land $60,000 Building $272,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 235 Crossings Ave in Zone X, an area of minimal flood risk, though there have been 18 flood claims nearby since 2004.
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 minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 330 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 330 in force |
| Nearby Flood Claims | 18 (2004–2022) |
| Claims Outside the SFHA | 1 of 18 |
| Most Recent Claim | Oct 2022 · Hurricane Ian |
| Claims by Event |
|
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 risk around 235 Crossings Ave is high, ranking above 87% of the US, with a 0.9% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 87% of the US · above 80% of Florida |
|---|---|
| Wildfire Likelihood | 0.9% 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 | TOHO WATER AUTHORITY-POINCIANA SYSTEM public/private · serves 69,447 people · EPA ID FL3494429 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2024 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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 6 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CenturyLink Fiber | 8,000 / 8,000 |
| Spectrum Fiber | 1,000 / 1,000 |
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