307 Virginia Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 307 Virginia Ave, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,480 sqft · built 1975
Lot Size	0.28 acres (12,197 sqft)
Owner	Individual Name on File
Last Sale	$254,900 (Oct 2020)
Tax Bill	$3,201 (2025)
Deeds & Mortgages	Oct 2020 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`80115`

Property Details

APN / Parcel Number

Primary APN	`80115`
Alternative APN	`012630000104140180`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,480 sqft Heated Area
Gross Area	2,704 sqft
1st Floor Area	1,480 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1985
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	12,197 sqft (0.28 acres)
Lot Dimensions	150 ft deep x 80 ft wide
Garage Type	Finished
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Enclosed Porch
Porch Area	696 sqft
Patio Area	520 sqft
Fence	Fence
Shed	1 Shed
Shed Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	80115
Street Address	307 VIRGINIA AVE
City	SAINT CLOUD
State	FL
Zip	34769-2437
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR1A
Legal Description	GALION GARDENS PB 1 PG 140 BLK 414 N 20 FT LOT 17, ALL LOT 18 & S 10 FT LOT 19 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	414
Legal Lot Number	1,17-19
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3012
Census Tract	43500

Owner

Source: Osceola County records · APN 80115

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	Verified Secondary Owner
Mailing Address	307 VIRGINIA AVE, SAINT CLOUD, FL 34769-2437
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 12, 2020 · Amount on Record
Deed Sale	Oct 12, 2020 · Amount on Record
Prior Sale	Mar 21, 2014 · Amount on Record
Deed Document Number	2020137101
Deed Book / Page	5810 / 2242
Record Updated	Jun 08, 2026

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 12, 2020
Property Address	307 VIRGINIA AVE, SAINT CLOUD, FL 34769-2437
Document Number	0058102242
Book / Page	5810 / 2242
Map Reference	MB 1 PG 140
Instrument Date	Sep 22, 2020
Instrument	2020137101
Transaction Type	Transfer
Record Updated	Feb 08, 2022
Title Company	WATSON TITLE SERVICES INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,784.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8872 SE 159TH LN, 8872, SUMMERFIELD, FL 34491-5643

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	307 VIRGINIA AVE, SAINT CLOUD, FL 34769-2437

Mortgage

Document Number	0058102244
Date	Oct 12, 2020
Instrument	5810/2244

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2050

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Municipality	St. Cloud City
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

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	$3,201.00 (+6.42%) Homeowner's exemption	$221,734 (+5.99%)	$309,000 (+14.15%) Land $60,000 Building $249,000
2023	$3,008.00 (+3.69%) Homeowner's exemption	$209,209 (+3%)	$270,700 (+18.05%) Land $55,000 Building $215,700
2022	$2,901.00 Homeowner's exemption	$203,116	$229,300 Land $50,000 Building $179,300

Flood & Wildfire

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

Flood

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
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

Wildfire

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 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.

Internet Providers

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 330 locations within half a mile of this property.

Drinking Water

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

Violations Reported to EPA

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.