Osceola County property record for 324 Indiana Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 940 sqft · built 1950 |
| Lot Size | 0.275 acres (11,979 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $261,000 (Nov 2025) |
| Tax Bill | $626 (2025) |
| Deeds & Mortgages | Nov 2025 Sale & Mortgage Jan 2020 Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | 01-26-30-0001-0410-0030 |
| Primary APN | 01-26-30-0001-0410-0030 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 940 sqft Living Area |
| Gross Area | 1,392 sqft |
| 1st Floor Area | 940 sqft |
| Flooring | Wood |
| Interior Walls | Plaster |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1980 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum Siding |
| Construction Type | Frame |
| Foundation Type | Pier/Post & Beam |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 11,979 sqft (0.275 acres) |
| Lot Dimensions | 150 ft deep x 80 ft wide |
| Garage Type | Attached |
| Garage Area | 242 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Screened/Unfinished Porch |
|---|---|
| Porch Area | 210 sqft |
| Deck Area | 100 sqft |
| Shed | 1 Shed |
| Shed Area | 120 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 324 INDIANA AVE |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-2357 |
| 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 410 S 60 FT LOT 3 & N 20 FT LOT 4 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD 2ND PLAT TOWN OF |
| Legal Tract | 1 |
| Legal Block | 410 |
| Legal Lot Number | 3 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 3 |
| Census Block | 3016 |
| Census Tract | 43500 |
Source: Osceola County records, as of June 9, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 324 INDIANA AVE, SAINT CLOUD, FL 34769-2357 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried |
| Date | Document |
|---|---|
| Nov 26, 2025 | Warranty Deed, Transfer SAMUEL BERGMAN |
| Jan 6, 2020 | Deed of Trust, Mortgage · VA Mortgage CBC NAT'L BK MTG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 26, 2025 · Amount on Record |
| Deed Sale | Nov 26, 2025 · Amount on Record |
| Prior Sale | Dec 2, 2015 · Amount on Record |
| Deed Document Number | 2025145992 |
| Deed Book / Page | 6886 / 201 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Nov 26, 2025 |
| Property Address | 324 INDIANA AVE, SAINT CLOUD, FL 34769-2357 |
| Document Number | 0068860201 |
| Book / Page | 6886 / 201 |
| Map Reference | MB B PG 61-64 |
| Instrument Date | Nov 21, 2025 |
| Instrument | 2025145992 |
| Transaction Type | Transfer |
| Record Updated | Dec 11, 2025 |
| Title Company | ORLANDO TITLE PROFESSIONALS LL, LAND TTL PROFESSIONALS LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,827.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 324 INDIANA AVE, SAINT CLOUD, FL 34769-2357 |
| Name | Verified Name |
|---|---|
| Address | 324 INDIANA AVE, SAINT CLOUD, FL 34769-2357 |
| Document Number | 0006886203 |
|---|---|
| Date | Nov 26, 2025 |
| Instrument | 6886/203 |
| Name | SAMUEL BERGMAN |
|---|---|
| Type | Private Party |
| Amount | Amount Recorded |
|---|---|
| Term | 18 Months |
| Due | May 25, 2027 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 324 INDIANA AVE, SAINT CLOUD, FL 34769-2357 |
| Document Number | 0056591986 |
| Instrument Date | Jan 6, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2020 |
| Title Company | ADVANTAGE TITLE COMPANY, ADVANTAGE TITLE CO |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 337 OHIO AVE ST CLOUD FL 347692374, ST CLOUD, FL 34769-2374 |
| Document Number | 0056591986 |
|---|---|
| Date | Jan 16, 2020 |
| Book Page | 005659/001986 |
| Instrument | 8791 |
| Name | CBC NAT'L BK MTG |
|---|---|
| Address | ALPHARETTA, GA 30022 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 15, 2050 |
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 | $626.00 (+7.38%) Homeowner's exemption | $77,868 (+5.99%) | $220,000 (+12.76%) Land $60,000 Building $160,000 |
| 2023 | $583.00 (+1.92%) Homeowner's exemption | $73,470 (+3%) | $195,100 (+12.77%) Land $55,000 Building $140,100 |
| 2022 | $572.00 Homeowner's exemption | $71,331 | $173,000 Land $50,000 Building $123,000 |
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.
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 |
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 330 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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