Osceola County property record for 295 Orange Ave, Saint Cloud, FL 34769 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 1999 |
| Square Footage | 1,829 sqft Heated Area |
| Lot Size | 16,553 sqft (0.38 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $320,000 (2021) |
| Tax Bill | $4,170.00 (2025) |
| Primary APN | 81051 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,829 sqft Heated Area |
| Gross Area | 2,252 sqft Gross Area |
| 1st Floor | 1,409 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 1973 |
|---|---|
| Effective Year Built | Effective 1999 |
| Exterior Material | Concrete Block Exterior |
| Foundation Type | Footing Foundation |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 16,553 sqft (0.38 acres) |
| Depth X Width | 200 ft x 83 ft Depth x Width |
| Parking Spaces | 1 Parking Spaces |
| Garage Type | Finished Garage |
| Garage Area | 345 sqft Garage |
| Patio Area | 456 sqft Patio |
|---|---|
| Porch | Finished/Screened Porch |
| Porch Area | 270 sqft Porch |
| Boat Access | Boat Access |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Account Number | 81051 |
|---|---|
| Street Address | 295 ORANGE AVE |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-2501 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | RUNNYMEDE SHORES NO 2 PB 2 PG 37 LOT 3 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | RUNNYMEDE SHORES NO 2 |
| Legal Tract | 4930 |
| Legal Block | 1 |
| Legal Lot Number | 3 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 2 |
| Census Block | 2043 |
| Census Tract | 43600 |
Source: Osceola County records · APN 81051
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 |
|---|---|
| Mailing Address | 295 ORANGE AVE, SAINT CLOUD, FL 34769-2501 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Aug 23, 2021 | Warranty Deed, Transfer · Conventional Mortgage HOMEOWNERS FINANCIAL GROUP USA LLC |
| Aug 02, 2017 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage HUD-HOUSING/URBAN DEV |
| Aug 02, 2017 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage AMERICAN ADVISORS |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Aug 23, 2021 · Amount on Record |
| Deed Sale | Aug 23, 2021 · Amount on Record |
| Prior Sale | May 22, 2002 · Amount on Record |
| Deed Doc Number | 2021130199 |
| Deed Book / Page | 6027 / 1897 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Aug 23, 2021 |
| Property Address | 295 ORANGE AVE, SAINT CLOUD, FL 34769-2501 |
| Document Number | 0060271897 |
| Book / Page | 6027 / 1897 |
| Map Reference | MB 2 PG 37 |
| Instrument Date | Aug 19, 2021 |
| Instrument | 2021130199 |
| Transaction Type | Transfer |
| Record Updated | Sep 06, 2021 |
| Title Company | LAND TITLE CORPORATION, LAND TITLE PROFESSIONALS LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,240.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 295 ORANGE AVE, 295, SAINT CLOUD, FL 34769-2501 |
| Name | Verified Name |
|---|---|
| Address | 295 ORANGE AVE, SAINT CLOUD, FL 34769-2501 |
| Document Number | 60271899 |
|---|---|
| Date | Aug 23, 2021 |
| Instrument | 6027/1899 |
| Name | HOMEOWNERS FINANCIAL GROUP USA LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 295 ORANGE AVE, SAINT CLOUD, FL 34769-2501 |
| Document Number | 0051901694 |
| Instrument Date | Aug 02, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Nov 20, 2018 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 295 ORANGE AVE ST CLOUD FL 347692501, ST CLOUD, FL 34769-2501 |
| Document Number | 0051901694 |
|---|---|
| Date | Aug 08, 2017 |
| Book Page | 005190/001694 |
| Instrument | 113694 |
| Name | HUD-HOUSING/URBAN DEV |
|---|---|
| Address | WASHINGTON, DC 20410 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 900 Months |
| Due | Aug 07, 2092 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.52% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 295 ORANGE AVE, SAINT CLOUD, FL 34769-2501 |
| Document Number | 0051901678 |
| Instrument Date | Aug 02, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 25, 2017 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 295 ORANGE AVE ST CLOUD FL 347692501, ST CLOUD, FL 34769-2501 |
| Document Number | 0051901678 |
|---|---|
| Date | Aug 08, 2017 |
| Book Page | 005190/001678 |
| Instrument | 113693 |
| Name | AMERICAN ADVISORS |
|---|---|
| Address | ORANGE, CA 92868 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 900 Months |
| Due | Aug 07, 2092 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.52% |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| 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 | $4,170.00 (+7.92%) Homeowner's exemption | $290,415 (+6.64%) | $322,700 (+9.95%) Land $70,000 Building $252,700 |
| 2023 | $3,864.00 (+18.56%) Homeowner's exemption | $272,332 (+17.33%) | $293,500 (+26.45%) Land $65,000 Building $228,500 |
| 2022 | $3,259.00 Homeowner's exemption | $232,100 Land $65,000 Building $167,100 | $232,100 Land $65,000 Building $167,100 |
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 AE |
|---|---|
| Flood Hazard | High |
| 100-Year Floodplain | Yes 1% annual chance |
| Special Flood Hazard Area | Yes |
| Flood Insurance Requirement | Required (federally backed mortgages) |
| Floodway | No |
| Base Flood Elevation | 61.0 ft |
| Wildfire Risk | Moderate above 47% of the US · above 18% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 980 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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