Osceola County property record for 26 Virginia Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,690 sqft · built 1971 |
| Lot Size | 0.219 acres (9,583 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $315,000 (May 2021) |
| Tax Bill | $6,223 (2025) |
| Deeds & Mortgages | Aug 2020 Mortgage May 2021 Sale & Mortgage + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 80699 |
| Primary APN | 80699 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 1,690 sqft Heated Area |
| Gross Area | 2,791 sqft |
| 1st Floor Area | 1,690 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1971 |
|---|---|
| Effective Year Built | Effective 2002 |
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 9,583 sqft (0.219 acres) |
| Lot Dimensions | 91 ft deep x 104 ft wide |
| Garage Type | Finished |
| Garage Area | 598 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 450 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 391 sqft |
| Deck Area | 306 sqft |
| Fence | Fence |
| Shed | 1 Shed |
| Shed Area | 84 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 80699 |
|---|---|
| Street Address | 26 VIRGINIA AVE |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-2434 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR1A |
| Legal Description | ST. CLOUD BLVD LOTS BEG 200 FT S OF NE COR LOT 39, RUN S 80 DEG 41 MIN W 91.2 FT, N PARA TO W LINE LOT 39, 48 FT S 80 DEG 41 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD BLVD |
| Legal Tract | 650 |
| Legal Block | 1 |
| Legal Lot Number | 39 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 3 |
| Census Block | 3001 |
| Census Tract | 43500 |
Source: Osceola County records, as of December 11, 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 Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 6505 COTTAGE LN, SAINT CLOUD, FL 34771-8803 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 26, 2020 | Deed of Trust, Mortgage · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC |
| May 11, 2021 | Warranty Deed, Transfer · Conventional Mortgage THE MORTGAGE FIRM INC |
| Nov 18, 2019 | Warranty Deed, Transfer · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 11, 2021 · Amount on Record |
| Deed Sale | May 11, 2021 · Amount on Record |
| Prior Sale | Nov 18, 2019 · Amount on Record |
| Deed Document Number | 2021072421 |
| Deed Book / Page | 5955 / 2008 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 26 VIRGINIA AVE, SAINT CLOUD, FL 34769-2434 |
| Transaction Type | Mortgage |
| Record Updated | May 2, 2022 |
| Name | Verified Name |
|---|---|
| Address | 26 VIRGINIA AVE, SAINT CLOUD, FL 34769-2434 |
| Document Number | 0057812502 |
|---|---|
| Date | Aug 26, 2020 |
| Book Page | 5781/2502 |
| Instrument | 2020113075 |
| Name | ATLANTIC BAY MORTGAGE GROUP LLC |
|---|---|
| Type | Mortgage Company |
| Address | VIRGINIA BEACH, VA 23452 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | May 11, 2021 |
| Property Address | 26 VIRGINIA AVE, SAINT CLOUD, FL 34769-2434 |
| Document Number | 0059552008 |
| Book / Page | 5955 / 2008 |
| Map Reference | MB B PG 61 |
| Instrument Date | May 7, 2021 |
| Instrument | 2021072421 |
| Transaction Type | Transfer |
| Record Updated | May 25, 2021 |
| Title Company | STEWART TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,205.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 90 CEDAR DUNES DR, 90, NEW SMYRNA BEACH, FL 32169-3861 |
| Name | Verified Name |
|---|---|
| Address | 6505 COTTAGE LN, SAINT CLOUD, FL 34771-8803 |
| Document Number | 59552010 |
|---|---|
| Date | May 11, 2021 |
| Instrument | 5955/2010 |
| Name | THE MORTGAGE FIRM INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Nov 18, 2019 |
| Property Address | 26 VIRGINIA AVE, SAINT CLOUD, FL 34769-2434 |
| Document Number | 0056251351 |
| Book / Page | 5625 / 1351 |
| Instrument Date | Nov 15, 2019 |
| Instrument | 2019149901 |
| Transaction Type | Transfer |
| Record Updated | May 2, 2022 |
| Title Company | STEWART TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,921.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2615 AUTUMN CREEK CIR, 2615, KISSIMMEE, FL 34747-2236 |
| Name | Verified Name |
|---|---|
| Address | 26 VIRGINIA AVE, SAINT CLOUD, FL 34769-2434 |
| Document Number | 0056251353 |
|---|---|
| Date | Nov 18, 2019 |
| Instrument | 5625/1353 |
| Name | ATLANTIC BAY MORTGAGE GROUP LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2049 |
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 | $6,223.00 (+21.02%) | $373,900 (+23.81%) Land $90,000 Building $283,900 | $373,900 (+23.81%) Land $90,000 Building $283,900 |
| 2023 | $5,142.00 (+12.81%) | $302,000 (+19.51%) Land $78,000 Building $224,000 | $302,000 (+19.51%) Land $78,000 Building $224,000 |
| 2022 | $4,558.00 | $252,700 Land $66,000 Building $186,700 | $252,700 Land $66,000 Building $186,700 |
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 AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 61.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 40 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 40 in force |
| Nearby Flood Claims | 3 (1995–2022) |
| Claims Outside the SFHA | 2 of 3 |
| Most Recent Claim | Sep 2022 · Hurricane Ian |
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 | 0.03% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 330 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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