Osceola County property record for 307 Vermont Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,221 sqft · built 1973 |
| Lot Size | 0.215 acres (9,365 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $325,000 (Feb 2024) |
| Tax Bill | $4,369 (2025) |
| Deeds & Mortgages | Feb 2024 Sale & Mortgage Aug 2022 Mortgage + 2 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 01-26-30-0001-0399-0095 |
| Primary APN | 01-26-30-0001-0399-0095 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,221 sqft Living Area |
| Gross Area | 1,485 sqft |
| 1st Floor Area | 1,221 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1973 |
|---|---|
| Effective Year Built | Effective 1973 |
| Architectural Style | L-Shape |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 9,365 sqft (0.215 acres) |
| Lot Dimensions | 150 ft deep x 62.5 ft wide |
| Garage Type | Attached |
| Garage Area | 198 sqft |
| Shed | 1 Shed |
| Shed Area | 80 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 307 VERMONT AVE |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-2249 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR1A |
| Legal Description | LAKE FRONT ADDN PB B PG 61-B & 62 BLK 399 N 25 FT LOT 9 & S 37.5 FT LOT 10 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD 2ND PLAT TOWN OF |
| Legal Tract | 1 |
| Legal Block | 399 |
| Legal Lot Number | 95 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 43400 |
Source: Osceola County records · APN 01-26-30-0001-0399-0095
Assessment roll updated November 26, 2025 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 307 VERMONT AVE, SAINT CLOUD, FL 34769-2249 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Feb 28, 2024 | Warranty Deed, Transfer · Conventional Mortgage JMAC LENDING INC |
| Aug 16, 2022 | Deed of Trust, Mortgage · Conventional Mortgage BROKER SOLUTIONS INC |
| Jun 15, 2022 | Warranty Deed, Transfer STEWART TITLE COMPANY-F, STEWART TITLE COMPANY |
| May 18, 2022 | Quit Claim Deed, Transfer ACCOMODATION, ACCOMMODATION |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Feb 28, 2024 · Amount on Record |
| Deed Sale | Feb 28, 2024 · Amount on Record |
| Prior Sale | Jun 15, 2022 · Amount on Record |
| Deed Document Number | 202426159 |
| Deed Book / Page | 6556 / 2228 |
| Prior Transfer Date | Mar 15, 2022 |
| Prior Transfer Doc | 0062160361 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Feb 28, 2024 |
| Property Address | 307 VERMONT AVE, SAINT CLOUD, FL 34769-2249 |
| Document Number | 0065562228 |
| Book / Page | 6556 / 2228 |
| Map Reference | MB B PG 61-64 |
| Instrument Date | Feb 28, 2024 |
| Instrument | 2024026159 |
| Transaction Type | Transfer |
| Record Updated | Mar 08, 2024 |
| Title Company | RED DOOR TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,275.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3886 CREEK BED CIR, SAINT CLOUD, FL 34769-1411 |
| Name | Verified Name |
|---|---|
| Address | 307 VERMONT AVE, SAINT CLOUD, FL 34769-2249 |
| Document Number | 0065562230 |
|---|---|
| Date | Feb 28, 2024 |
| Instrument | 6556/2230 |
| Name | JMAC LENDING INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 307 VERMONT AVE, SAINT CLOUD, FL 34769-2249 |
| Transaction Type | Mortgage |
| Record Updated | Feb 10, 2023 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN |
| Name | Verified Name |
|---|---|
| Address | 307 VERMONT AVE, SAINT CLOUD, FL 34769-2249 |
| Document Number | 0062692276 |
|---|---|
| Date | Aug 16, 2022 |
| Book Page | 6269/2276 |
| Instrument | 2022125431 |
| Name | BROKER SOLUTIONS INC |
|---|---|
| Type | Mortgage Company |
| Address | TUSTIN, CA 92780 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jun 15, 2022 |
| Property Address | 307 VERMONT AVE, SAINT CLOUD, FL 34769-2249 |
| Document Number | 0062340200 |
| Book / Page | 6234 / 200 |
| Map Reference | MB B PG 61-64 |
| Instrument Date | Jun 13, 2022 |
| Instrument | 2022094120 |
| Transaction Type | Transfer |
| Record Updated | Feb 10, 2023 |
| Title Company | STEWART TITLE COMPANY-F, STEWART TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,890.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3452 KAISER AVE, SAINT CLOUD, FL 34772-7311 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 307 VERMONT AVE, SAINT CLOUD, FL 34769-2249 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | May 18, 2022 |
| Property Address | 307 VERMONT AVE, SAINT CLOUD, FL 34769-2249 |
| Document Number | 0062160361 |
| Book / Page | 6216 / 361 |
| Map Reference | MB B PG 61-64 |
| Instrument Date | Mar 15, 2022 |
| Instrument | 2022078274 |
| Transaction Type | Transfer |
| Record Updated | Feb 10, 2023 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 701377, SAINT CLOUD, FL 34770-1377 |
| Name | Verified Name |
|---|---|
| Address | 3452 KAISER AVE, SAINT CLOUD, FL 34772-7311 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified July 2026
| 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, not market price estimates; both are a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,369.00 (+130.07%) | $287,000 (+92.28%) Land $60,000 Building $227,000 | $287,000 (+30.63%) Land $60,000 Building $227,000 |
| 2024 | $1,899.00 (+3.26%) | ||
| 2023 | $1,839.00 (-31.18%) Homeowner's exemption Disabled Person's exemption | $149,264 (-10.94%) | $219,700 (+31.09%) Land $55,000 Building $164,700 |
| 2022 | $2,672.00 | $167,600 Land $50,000 Building $117,600 | $167,600 Land $50,000 Building $117,600 |
Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 100 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 |
| Wildfire Risk | Low lower than 65% of the US · lower than 91% of Florida |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Lumen Technologies Fiber | 8,000 / 8,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
Based on FCC filings for 306 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | ST. CLOUD, CITY OF (3 WPS) serves 82,752 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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