311 Florida Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 311 Florida Ave, Saint Cloud, FL 34769 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,926 sqft · built 1956
Lot Size	0.33 acres (14,375 sqft)
Owner	2 Individual Names on File
Last Sale	$203,000 (Apr 2018)
Tax Bill	$3,637 (2025)
Deeds & Mortgages	Apr 2017 Sale & Mortgage Apr 2017 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`80047`

Property Details

APN / Parcel Number

Primary APN	`80047`
Alternative APN	`012630000104090080`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,926 sqft Heated Area
Gross Area	2,880 sqft
1st Floor Area	1,646 sqft
Flooring	Tile
Interior Walls	Plaster

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1996
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	14,375 sqft (0.33 acres)
Lot Dimensions	144 ft deep x 100 ft wide
Garage Area	432 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Enclosed Porch
Porch Area	484 sqft
Fence	Fence
Shed	1 Shed
Shed Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	80047
Street Address	311 FLORIDA AVE
City	SAINT CLOUD
State	FL
Zip	34769-2350
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LAKE FRONT ADDN PB B PG 61-B & 62 BLK 409 LOT 8 LESS E 6 FT FOR ALLEY
Legal Range	30E
Legal Township	26S
Legal Section	01
Legal Subdivision	ST CLOUD 2ND AND 3RD STREETS
Legal Tract	1
Legal Block	409
Legal Lot Number	8
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3017
Census Tract	43500

Owner

Source: Osceola County records · APN 80047

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	2 Individual Names on File
Co-owner	Verified Secondary Owner
Mailing Address	311 FLORIDA AVE, SAINT CLOUD, FL 34769-2350
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 19, 2017	Warranty Deed, Transfer · FHA Mortgage BROKER SOLUTIONS INC
Apr 18, 2017	Deed of Trust, Mortgage · FHA Mortgage NEW AMERICAN FNDG

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 04, 2018 · Amount on Record
Deed Sale	Apr 04, 2018 · Amount on Record
Prior Sale	Apr 19, 2017 · Amount on Record
Deed Document Number	2018052866
Deed Book / Page	5311 / 1012
Record Updated	Jun 08, 2026

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 19, 2017
Property Address	311 FLORIDA AVE, SAINT CLOUD, FL 34769-2350
Document Number	0051342364
Book / Page	5134 / 2364
Map Reference	MB B PG61-64
Instrument Date	Apr 18, 2017
Instrument	2017058266
Transaction Type	Transfer
Record Updated	Feb 08, 2022
Title Company	STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,365.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	728 E LAKE SHORE BLVD, 728, KISSIMMEE, FL 34744-5405

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	311 FLORIDA AVE, SAINT CLOUD, FL 34769-2350

Mortgage

Document Number	0051342365
Date	Apr 19, 2017
Book Page	5134/2365
Instrument	2017058267

Lender

Name	BROKER SOLUTIONS INC
Type	Funding / Finance Company
Address	TUSTIN, CA 92780

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 01, 2047

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	311 FLORIDA AVE, SAINT CLOUD, FL 34769-2350
Document Number	0053111206
Instrument Date	Apr 18, 2017
Transaction Type	Mortgage
Record Updated	May 24, 2018
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1468 PATRICIA ST KISSIMMEE FL 347444964, KISSIMMEE, FL 34744-4964

Mortgage

Document Number	0053111206
Date	Apr 04, 2018
Book Page	005311/001206
Instrument	52925

Lender

Name	NEW AMERICAN FNDG
Type	Funding / Finance Company
Address	TUSTIN, CA 92780

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 03, 2048

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	$3,637.00 (+28.79%) Homeowner's exemption	$246,074 (+23.67%)	$377,200 (+25.57%) Land $66,000 Building $311,200
2023	$2,824.00 (+3.75%) Homeowner's exemption	$198,972 (+3%)	$300,400 (+18.41%) Land $60,500 Building $239,900
2022	$2,722.00 Homeowner's exemption	$193,177	$253,700 Land $55,000 Building $198,700

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970435003, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Moderate
500-Year Floodplain	Yes
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Cost	Premium on Record median of 40 individual NFIP policies nearby
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, river or lake flooding, Hurricane Ian

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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, availability as of December 31, 2025 · Published October 2026 · based on 330 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Lumen Technologies	Fiber	8,000 / 8,000
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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