Osceola County property record for 309 Oregon Ave, Saint Cloud, FL 34769 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 5 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 1979 |
| Square Footage | 1,546 sqft Living Area |
| Lot Size | 11,238 sqft (0.258 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $249,999 (2020) |
| Tax Bill | $3,754.00 (2025) |
| Primary APN | 01-26-30-0001-0419-0160 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 1 Plumbing Fixtures |
| Building Area | 1,546 sqft Living Area |
| Gross Area | 1,858 sqft Gross Area |
| 1st Floor | 1,546 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Wood Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 1969 |
|---|---|
| Effective Year Built | Effective 1979 |
| Exterior Material | Brick Exterior |
| Construction Type | Brick Construction |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 11,238 sqft (0.258 acres) |
| Depth X Width | 150 ft x 75 ft Depth x Width |
| Parking Spaces | 1 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 240 sqft Garage |
| Pool Type | In-Ground Pool Pool Type |
|---|---|
| Pool Area | 480 sqft Pool |
| Shed | 1 Shed |
| Shed Area | 80 sqft Shed |
| Deck Area | 458 sqft Deck |
| Porch Area | 240 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 309 OREGON AVE |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-2459 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | GALION GARDENS PB 1 PG 140 BLK 419 LOTS 16 & S 1/2 17 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD 2ND PLAT TOWN OF |
| Legal Tract | 1 |
| Legal Block | 419 |
| Legal Lot Number | 16 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 5 |
| Census Block | 5027 |
| Census Tract | 43500 |
Source: Osceola County records · APN 01-26-30-0001-0419-0160
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 | 309 OREGON AVE, SAINT CLOUD, FL 34769-2459 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Aug 01, 2023 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage FREEDOM MORTGAGE CORP |
| Feb 19, 2020 | Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage HOME POINT FINANCIAL CORPORATION |
| Jun 17, 2019 | Trustee's Deed, Foreclosure NOT AVAILABLE |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Feb 19, 2020 · Amount on Record |
| Deed Sale | Feb 19, 2020 · Amount on Record |
| Prior Sale | Jun 17, 2019 · Amount on Record |
| Deed Doc Number | 202024862 |
| Deed Book / Page | 5677 / 475 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 309 OREGON AVE, SAINT CLOUD, FL 34769-2459 |
| Transaction Type | Mortgage |
| Record Updated | Aug 15, 2023 |
| Name | Verified Name |
|---|---|
| Address | 309 OREGON AVE, SAINT CLOUD, FL 34769-2459 |
| Document Number | 0064500343 |
|---|---|
| Date | Aug 01, 2023 |
| Book Page | 6450/343 |
| Instrument | 2023099545 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | CORAOPOLIS, PA 15108 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 339 Months |
| Due | Nov 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Feb 19, 2020 |
| Property Address | 309 OREGON AVE, SAINT CLOUD, FL 34769-2459 |
| Document Number | 0056770475 |
| Book / Page | 5677 / 475 |
| Map Reference | MB 1 PG 140 |
| Instrument Date | Feb 14, 2020 |
| Instrument | 2020024862 |
| Transaction Type | Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | SMART INTERNATIONAL TTL LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,750.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2500 OAK ST, 2500, KISSIMMEE, FL 34744-4943 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenant/Joint Tenant w/ Right Of Survivorship |
| Address | 309 OREGON AVE, SAINT CLOUD, FL 34769-2459 |
| Document Number | 0056770477 |
|---|---|
| Date | Feb 19, 2020 |
| Instrument | 5677/0477 |
| Name | HOME POINT FINANCIAL CORPORATION |
|---|---|
| Type | Lending Institution |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2050 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jun 17, 2019 |
| Property Address | 309 OREGON AVE, SAINT CLOUD, FL 34769-2459 |
| Document Number | 0055421547 |
| Book / Page | 005542 / 001547 |
| Instrument Date | Jun 04, 2019 |
| Instrument | 77954 |
| Transaction Type | Foreclosure |
| Record Updated | Jun 28, 2019 |
| Title Company | NOT AVAILABLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $917.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Corporate Trust |
| Address | 2500 OAK ST KISSIMMEE FL 347444943, KISSIMMEE, FL 34744-4943 |
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 and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,754.00 (+6.23%) Homeowner's exemption | $252,655 (+5.99%) | $344,500 (+13.32%) Land $60,000 Building $284,500 |
| 2023 | $3,534.00 (+3.61%) Homeowner's exemption | $238,384 (+3%) | $304,000 (+12.84%) Land $55,000 Building $249,000 |
| 2022 | $3,411.00 Homeowner's exemption | $231,441 | $269,400 Land $50,000 Building $219,400 |
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 X |
|---|---|
| Flood Hazard | Moderate |
| 500-Year Floodplain | Yes |
| Special Flood Hazard Area | No |
| Wildfire Risk | Low above 36% of the US · above 10% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 1,754 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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