321 Oregon Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 321 Oregon Ave, Saint Cloud, FL 34769 · Last verified December 2025

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	4 Beds
Bathrooms	3 Baths
Year Built	Built 1991
Square Footage	2,803 sqft Heated Area
Lot Size	14,810 sqft (0.339 acres)
Occupancy	Owner Occupied
Last Sale	$440,000 (2022)
Tax Bill	$6,517.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`80165`
Alternative APN	`012630000104190110`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	2,803 sqft Heated Area
Gross Area	3,311 sqft Gross Area
1st Floor	2,530 sqft 1st Floor
Stories	1 Stories
Primary Flooring	Carpet Flooring
Interior Structure	Wallboard/Drywall Interior Structure
Fireplace	Fireplace
Fireplaces	1 Fireplaces

Exterior

Year Built	Built 1991
Exterior Material	Brick Exterior
Foundation Type	Footing Foundation
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	14,810 sqft (0.339 acres)
Depth X Width	150 ft x 100 ft Depth x Width
Parking Spaces	2 Parking Spaces
Garage Type	Finished Garage
Garage Area	460 sqft Garage

Exterior Amenities

Fence	Fence
Shed	1 Shed
Shed Area	288 sqft Shed
Porch	Enclosed Porch
Porch Area	321 sqft Porch

Utilities and HVAC

Cooling System	A/C Package Cooling
Heating System	HVAC Heating

Location & Zoning

Account Number	80165
Street Address	321 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 11 & 12
Legal Range	30E
Legal Township	26S
Legal Section	01
Legal Subdivision	ST CLOUD 2ND AND 3RD STREETS
Legal Tract	1
Legal Block	419
Legal Lot Number	11-12 12
Jurisdiction	OSCEOLA FL
Minor Civil Division	ST. CLOUD
Census Blockgroup	5
Census Block	5027
Census Tract	43500

Owner

Source: Osceola County records · APN 80165

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	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	321 OREGON AVE, SAINT CLOUD, FL 34769-2459
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 21, 2022 · Amount on Record
Deed Sale	Mar 21, 2022 · Amount on Record
Prior Sale	Apr 13, 2015 · Amount on Record
Deed Doc Number	2022044804
Deed Book / Page	6176 / 764
Record Refreshed	Jun 08, 2026

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 21, 2022
Property Address	321 OREGON AVE, SAINT CLOUD, FL 34769-2459
Document Number	0061760764
Book / Page	6176 / 764
Map Reference	MB 1 PG 140
Instrument Date	Mar 17, 2022
Instrument	2022044804
Transaction Type	Transfer
Record Updated	Aug 01, 2022
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$3,080.00
Amount Accuracy	Full Amount Stated
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	321 OREGON AVE, 321, SAINT CLOUD, FL 34769-2459

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	321 OREGON AVE, SAINT CLOUD, FL 34769-2459

Mortgage

Document Number	0061760765
Date	Mar 21, 2022
Book Page	6176/765
Instrument	2022044805

Lender

Name	GREENBOX LOANS INC
Type	Mortgage Company
Address	LOS ANGELES, CA 90010

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 01, 2052

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, not market price estimates; both are a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,517.00 (+5.86%) Homeowner's exemption	$406,990 (+5.99%)	$439,600 (+14.48%) Land $66,000 Building $373,600
2023	$6,156.00 (+216.83%) Homeowner's exemption	$384,000 (+155.18%) Land $60,500 Building $323,500	$384,000 (+18.7%) Land $60,500 Building $323,500
2022	$1,943.00 Homeowner's exemption Widower's exemption	$150,481	$323,500 Land $55,000 Building $268,500

Flood & Wildfire

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

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Moderate
500-Year Floodplain	Yes
Special Flood Hazard Area	No

Wildfire

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.