Osceola County property record for 312 Ohio Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 958 sqft · built 1925 |
| Lot Size | 0.26 acres (11,326 sqft) |
| Owner | Individual Name on File |
| Last Sale | $36,500 (Jan 2013) |
| Tax Bill | $365 (2025) |
| Deeds & Mortgages | Jun 2023 Mortgage Apr 2017 Transfer |
| Flood Zone | Zone X (moderate risk) |
| APN | 80038 |
| Primary APN | 80038 |
|---|---|
| Alternative APN |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 958 sqft Heated Area |
| Gross Area | 1,392 sqft |
| 1st Floor Area | 958 sqft |
| Interior Walls | Plaster |
| Year Built | Built 1925 |
|---|---|
| Exterior Material | Stucco |
| Construction Type | Frame |
| Foundation Type | Pier/Post & Beam |
| Roof Type | Flat |
| Roof Material | Rolled Roofing |
| Lot Area | 11,326 sqft (0.26 acres) |
| Lot Dimensions | 150 ft deep x 75 ft wide |
| Garage Type | Detached - Unfinished |
| Garage Area | 280 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Enclosed Porch |
| Porch Area | 154 sqft |
| Fence | Fence |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 80038 |
|---|---|
| Street Address | 312 OHIO AVE |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-2375 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR1A |
| Legal Description | LAKE FRONT PB B PG 61 BLK 409 S 25 FT LOT 1 & N 50 FT LOT 2 |
| 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 | 1-2 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 3 |
| Census Block | 3017 |
| Census Tract | 43500 |
Source: Osceola County assessment roll, as of July 1, 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 | 312 OHIO AVE, SAINT CLOUD, FL 34769-2375 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 22, 2023 | Deed of Trust, Mortgage · Balloon Mortgage ORM LENDING LLC |
| Apr 13, 2017 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jan 28, 2013 · Amount on Record |
| Deed Sale | Jan 28, 2013 · Amount on Record |
| Prior Sale | May 1, 2014 |
| Deed Document Number | 0043870040 |
| Last Transfer Date | Apr 13, 2017 |
| Transfer Doc | 0051320815 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 312 OHIO AVE, SAINT CLOUD, FL 34769-2375 |
| Transaction Type | Mortgage |
| Record Updated | Jul 11, 2023 |
| Title Company | HOMELAND TITLE SOURCE LLC |
| Name | Verified Name |
|---|---|
| Address | 312 OHIO AVE, SAINT CLOUD, FL 34769-2375 |
| Document Number | 0064282861 |
|---|---|
| Date | Jun 22, 2023 |
| Book Page | 6428/2861 |
| Instrument | 2023080700 |
| Name | ORM LENDING LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | KISSIMMEE, FL 34741 |
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 24 Months |
| Due | Jun 16, 2025 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Apr 13, 2017 |
| Property Address | 312 OHIO AVE, SAINT CLOUD, FL 34769-2375 |
| Document Number | 0051320815 |
| Book / Page | 005132 / 000815 |
| Instrument Date | Apr 1, 2017 |
| Instrument | 55894 |
| Transaction Type | Transfer |
| Record Updated | May 24, 2017 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 312 OHIO AVE ST CLOUD FL 347692375, ST CLOUD, FL 34769-2375 |
Source: Osceola County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $365.00 (+13.71%) Homeowner's exemption | $45,195 (+5.98%) | $198,800 (+13.99%) Land $60,000 Building $138,800 |
| 2023 | $321.00 (+7.36%) Homeowner's exemption | $42,643 (+3%) | $174,400 (+16.89%) Land $55,000 Building $119,400 |
| 2022 | $299.00 Homeowner's exemption | $41,401 | $149,200 Land $50,000 Building $99,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| 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 |
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: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| 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 |
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | ST. CLOUD, CITY OF (3 WPS) serves 82,752 people · EPA ID FL3491373 |
|---|---|
| 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, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 330 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Lumen Technologies Fiber | 8,000 / 8,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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