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312 Wisconsin Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 312 Wisconsin Ave, Saint Cloud, FL 34769

Property Summary

Property TypeSingle Family Home
Details2 bd · 2 ba · 1,027 sqft · built 1980
Lot Size0.2 acres (8,712 sqft)
OwnerIndividual Name on Record
Last Sale$334,000 (Sep 2023)
Tax Bill$3,437 (2025)
Deeds & MortgagesSep 2023 Sale
Sep 2023 Second Mortgage
+ 5 more
Flood ZoneZone X (moderate risk)
APN79926

Property Details

APN / Parcel Number

Primary APN79926
Alternative APN
  • 012630000104000020

Interior

Bedrooms2 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,027 sqft Heated Area
Gross Area1,621 sqft
1st Floor Area1,027 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1980
Effective Year BuiltEffective 1983
Exterior MaterialConcrete Block
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area8,712 sqft (0.2 acres)
Lot Dimensions140 ft deep x 62.5 ft wide
Garage TypeFinished
Garage Area240 sqft
Parking Spaces1 Parking Space

Exterior Amenities

PorchOpen Porch
Porch Area288 sqft
FenceFence
Shed1 Shed
Shed Area192 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Account Number79926
Street Address312 WISCONSIN AVE
CitySAINT CLOUD
StateFL
Zip34769-2256
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeSR1A
Legal DescriptionLAKE FRONT ADDN PB B PG 61 BLK 400 S 62.5 FT LOT 2 LESS W 10 FT
Legal Range30E
Legal Township26S
Legal Section01
Legal SubdivisionST CLOUD 2ND AND 3RD STREETS
Legal Tract1
Legal Block400
Legal Lot Number2
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group2
Census Block2010
Census Tract43400

Owner

Source: Osceola County records, as of December 11, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of RecordIndividual Name on Record
Co-ownerCo-owner on Record
Mailing Address312 WISCONSIN AVE, SAINT CLOUD, FL 34769-2256
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Sep 8, 2023Warranty Deed, Transfer
STEWART TITLE COMPANY-F, STEWART TITLE COMPANY
Sep 8, 2023Warranty Deed, Transfer · Stand-Alone Second Mortgage
FLORIDA HOUSING FINANCE CORP
Sep 8, 2023Warranty Deed, Transfer
STEWART TITLE COMPANY-F, STEWART TITLE COMPANY
Sep 8, 2023Warranty Deed, Transfer
STEWART TITLE COMPANY-F, STEWART TITLE COMPANY
Sep 8, 2023Warranty Deed, Transfer
STEWART TITLE COMPANY-F, STEWART TITLE COMPANY
Sep 8, 2023Warranty Deed, Transfer
STEWART TITLE COMPANY-F, STEWART TITLE COMPANY
Sep 8, 2023Warranty Deed, Transfer · Conventional Mortgage
WATERSTONE MORTGAGE CORP

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleSep 8, 2023 · Amount on Record
Deed SaleSep 8, 2023 · Amount on Record
Prior SaleSep 8, 2023
Deed Document Number2023118254
Deed Book / Page6470 / 2640
Record UpdatedJun 8, 2026

September 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateSep 8, 2023
Property Address312 WISCONSIN AVE, SAINT CLOUD, FL 34769-2256
Document Number0064702640
Book / Page6470 / 2640
Map ReferenceMB B PG 61-64
Instrument DateSep 5, 2023
Instrument2023118254
Transaction TypeTransfer
Record UpdatedSep 28, 2023
Title CompanySTEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

AmountAmount Recorded
Tax$2,338.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address35 FAYWOOD RD, GRAND ISLE, VT 05458-2329

Transferred To (Grantee/Buyer)

NameVerified Name
Address312 WISCONSIN AVE, SAINT CLOUD, FL 34769-2256

September 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateSep 8, 2023
Property Address312 WISCONSIN AVE, SAINT CLOUD, FL 34769-2256
Document Number0064702650
Book / Page6470 / 2650
Map ReferenceMB B PG 61-64
Instrument DateAug 30, 2023
Instrument2023118259
Transaction TypeTransfer
Record UpdatedSep 28, 2023
Title CompanySTEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address94 RACEWAY RDF, JERICHO, VT 05465

Transferred To (Grantee/Buyer)

NameVerified Name
Address3123 WISCONSIN AVENUE, SAINT CLOUD, FL 34769

Mortgage

Document Number0064702668
DateSep 8, 2023
Instrument6470/2668
Lender
NameFLORIDA HOUSING FINANCE CORP
TypeGovernment Agency
Agreement
TypeStand-Alone Second Mortgage
AmountAmount Recorded

September 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateSep 8, 2023
Property Address312 WISCONSIN AVE, SAINT CLOUD, FL 34769-2256
Document Number0064702648
Book / Page6470 / 2648
Map ReferenceMB B PG 61-64
Instrument DateAug 30, 2023
Instrument2023118258
Transaction TypeTransfer
Record UpdatedSep 28, 2023
Title CompanySTEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address4520 GEORGIA SHORE ROAD, SAINT CLOUD, VT

Transferred To (Grantee/Buyer)

NameVerified Name
Address312 WISCONSIN AVE, SAINT CLOUD, FL 34769-2256

September 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateSep 8, 2023
Property Address312 WISCONSIN AVE, SAINT CLOUD, FL 34769-2256
Document Number0064702642
Book / Page6470 / 2642
Map ReferenceMB B PG 61-64
Instrument DateAug 30, 2023
Instrument2023118255
Transaction TypeTransfer
Record UpdatedSep 28, 2023
Title CompanySTEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address94 RACEWAY RDF, JERICHO, VT 05465

Transferred To (Grantee/Buyer)

NameVerified Name
Address312 WISCONSIN AVE, SAINT CLOUD, FL 34769-2256

September 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateSep 8, 2023
Property Address312 WISCONSIN AVE, SAINT CLOUD, FL 34769-2256
Document Number0064702646
Book / Page6470 / 2646
Map ReferenceMB B PG 61-64
Instrument DateAug 30, 2023
Instrument2023118257
Transaction TypeTransfer
Record UpdatedSep 28, 2023
Title CompanySTEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address35 FAYWOOD RD, GRAND ISLE, VT 05458-2329

Transferred To (Grantee/Buyer)

NameVerified Name
Address312 WISCONSIN AVE, SAINT CLOUD, FL 34769-2256

September 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateSep 8, 2023
Property Address312 WISCONSIN AVE, SAINT CLOUD, FL 34769-2256
Document Number0064702644
Book / Page6470 / 2644
Map ReferenceMB B PG 61-64
Instrument DateAug 30, 2023
Instrument2023118256
Transaction TypeTransfer
Record UpdatedSep 28, 2023
Title CompanySTEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
AddressPO BOX 1656, ALBANY, VT 05820

Transferred To (Grantee/Buyer)

NameVerified Name
Address312 WISCONSIN AVE, SAINT CLOUD, FL 34769-2256

September 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateSep 8, 2023
Property Address312 WISCONSIN AVE, SAINT CLOUD, FL 34769-2256
Document Number0064702652
Book / Page6470 / 2652
Map ReferenceMB B PG 61-64
Instrument DateAug 29, 2023
Instrument2023118260
Transaction TypeTransfer
Record UpdatedSep 28, 2023
Title CompanySTEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address2129 DANIELS ST, EASTOVER, NC 28312-9745

Transferred To (Grantee/Buyer)

NameVerified Name
Address312 WISCONSIN AVE, SAINT CLOUD, FL 34769-2256

Mortgage

Document Number0064702654
DateSep 8, 2023
Instrument6470/2654
Lender
NameWATERSTONE MORTGAGE CORP
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueOct 1, 2053

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$3,437.00 (+902.04%) Homeowner's exemption$234,900 (+207.17%) Land $60,000 Building $174,900$234,900 (+14.98%) Land $60,000 Building $174,900
2023$343.00 (-8.29%) Homeowner's exemption Senior Citizen's exemption Widower's exemption$76,473 (+3%)$204,300 (+17.68%) Land $55,000 Building $149,300
2022$374.00 Homeowner's exemption Senior Citizen's exemption Widower's exemption$74,246$173,600 Land $50,000 Building $123,600

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.

Flood

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
moderate risk
500-Year FloodplainYes
0.2% annual chance
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 18 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies18 in force

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 65% of the US · lower than 91% of Florida
Wildfire Likelihood0.04% annual chance
ExposureDirect
burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemST. CLOUD, CITY OF (3 WPS)
serves 82,752 people · EPA ID FL3491373
Water SourceGroundwater
Last State InspectionJul 2025
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 306 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
CenturyLink
Fiber		8,000 / 8,000
Spectrum
Cable		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20

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