Osceola County property record for 319 Vermont Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,011 sqft · built 1973 |
| Lot Size | 0.215 acres (9,365 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $840 (2025) |
| Deeds & Mortgages | Nov 2025 Transfer Apr 2020 Mortgage + 2 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 01-26-30-0001-0399-0085 |
| Primary APN | 01-26-30-0001-0399-0085 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,011 sqft Living Area |
| Gross Area | 2,588 sqft |
| 1st Floor Area | 2,011 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1973 |
|---|---|
| Effective Year Built | Effective 1973 |
| Architectural Style | L-Shape |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 9,365 sqft (0.215 acres) |
| Lot Dimensions | 150 ft deep x 62.5 ft wide |
| Garage Type | Attached |
| Garage Area | 297 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Finished/Open Porch |
|---|---|
| Porch Area | 280 sqft |
| Shed | 1 Shed |
| Shed Area | 120 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 319 VERMONT AVE |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-2249 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR1A |
| Legal Description | LAKE FRONT ADDN PB B PG 61-B & 62 BLK 399 N 50 FT LOT 8 & S 12.5 FT LOT 9 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD 2ND PLAT TOWN OF |
| Legal Tract | 1 |
| Legal Block | 399 |
| Legal Lot Number | 85 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 43400 |
319 Vermont Ave is owned and occupied by two individuals who acquired it in July 2025.
Source: Osceola County records, as of March 6, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2740 COUNTRY CLUB BLVD, ORANGE PARK, FL 32073-5712 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Nov 14, 2025 | Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION |
| Apr 30, 2020 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| Oct 18, 2019 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| Jan 3, 2019 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Jul 31, 2025 |
| Transfer Doc | 0068801842 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Nov 14, 2025 |
| Property Address | 319 VERMONT AVE, SAINT CLOUD, FL 34769-2249 |
| Document Number | 0068801842 |
| Book / Page | 6880 / 1842 |
| Map Reference | MB B PG 61&62 |
| Instrument Date | Jul 31, 2025 |
| Instrument | 2025140955 |
| Transaction Type | Transfer |
| Record Updated | Nov 28, 2025 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 319 VERMONT AVE, SAINT CLOUD, FL 34769-2249 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 2740 COUNTRY DEAVILLE WAY, CUMMING, GA 30041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 319 VERMONT AVE, SAINT CLOUD, FL 34769-2249 |
| Document Number | 0057180824 |
| Instrument Date | Apr 30, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 25, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Address | 319 VERMONT AVE ST CLOUD FL 347692249, ST CLOUD, FL 34769-2249 |
| Document Number | 0057180824 |
|---|---|
| Date | May 5, 2020 |
| Book Page | 005718/000824 |
| Instrument | 60655 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | May 4, 2040 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 319 VERMONT AVE, SAINT CLOUD, FL 34769-2249 |
| Document Number | 0056111753 |
| Instrument Date | Oct 18, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Nov 13, 2019 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Address | 319 VERMONT AVE ST CLOUD FL 347692249, ST CLOUD, FL 34769-2249 |
| Document Number | 0056111753 |
|---|---|
| Date | Oct 24, 2019 |
| Book Page | 005611/001753 |
| Instrument | 137910 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 23, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 319 VERMONT AVE, SAINT CLOUD, FL 34769-2249 |
| Document Number | 0054601955 |
| Instrument Date | Jan 3, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jan 29, 2019 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Address | 319 VERMONT AVE ST CLOUD FL 347692249, ST CLOUD, FL 34769-2249 |
| Document Number | 0054601955 |
|---|---|
| Date | Jan 9, 2019 |
| Book Page | 005460/001955 |
| Instrument | 3259 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 8, 2049 |
The 2025 property tax bill for 319 Vermont Ave was $840 with a homeowner's exemption, up 4.6% from the year before.
Source: Osceola County assessment roll, as of November 26, 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 | $840.00 (+4.61%) Homeowner's exemption | $89,829 | $280,300 Land $60,000 Building $220,300 |
| 2024 | $803.00 (+4.69%) | ||
| 2023 | $767.00 (+6.09%) Homeowner's exemption | $84,756 (+3%) | $243,200 (+14.93%) Land $55,000 Building $188,200 |
| 2022 | $723.00 Homeowner's exemption | $82,288 | $211,600 Land $50,000 Building $161,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 319 Vermont Ave in Zone X, an area of moderate flood risk, within 500 ft of a high-risk flood zone.
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 File median of 18 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 18 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 risk around 319 Vermont Ave is low, with a 0.04% annual chance of wildfire.
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 |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 306 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CenturyLink Fiber | 8,000 / 8,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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