Osceola County property record for 324 Wisconsin Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,484 sqft · built 1985 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $247,500 (Dec 2020) |
| Tax Bill | $3,910 (2025) |
| Deeds & Mortgages | Mar 2022 Mortgage Dec 2020 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 79929 |
| Primary APN | 79929 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,484 sqft Heated Area |
| Gross Area | 2,754 sqft |
| 1st Floor Area | 1,484 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1985 |
|---|---|
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 10,019 sqft (0.23 acres) |
| Lot Dimensions | 100 ft deep x 100 ft wide |
| Garage Type | Finished |
| Garage Area | 418 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 36 sqft |
|---|---|
| Porch | Enclosed Porch |
| Porch Area | 852 sqft |
| Deck Area | 468 sqft |
| Fence | Fence |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 79929 |
|---|---|
| Street Address | 324 WISCONSIN AVE |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-2256 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR1A |
| Legal Description | LAKE FRONT ADDN PB B PG 61 BLK 400 E 100 FT LOT 4 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD 2ND AND 3RD STREETS |
| Legal Tract | 1 |
| Legal Block | 400 |
| Legal Lot Number | 4 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2010 |
| Census Tract | 43400 |
Source: Osceola County records, as of December 11, 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 Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 324 WISCONSIN AVE, SAINT CLOUD, FL 34769-2256 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 21, 2022 | Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BANK NA |
| Dec 1, 2020 | Special Warranty Deed, Transfer · Conventional Mortgage FIFTH THIRD BANK |
| Aug 31, 2020 | Grant Deed, Transfer ZILLOW CLOSING SERVICES LLC, ZILLOW CLOSING SVCS LLC |
| May 21, 2020 | Warranty Deed, Transfer NOT AVAILABLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 1, 2020 · Amount on Record |
| Deed Sale | Dec 1, 2020 · Amount on Record |
| Prior Sale | Aug 31, 2020 · Amount on Record |
| Deed Document Number | 2020163225 |
| Deed Book / Page | 5842 / 1972 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 324 WISCONSIN AVE, SAINT CLOUD, FL 34769-2256 |
| Transaction Type | Mortgage |
| Record Updated | Aug 10, 2023 |
| Name | Verified Name |
|---|---|
| Address | 47 VAN KEUREN AVE, BOUND BROOK, NJ 08805-1926 |
| Document Number | 0061760205 |
|---|---|
| Date | Mar 21, 2022 |
| Book Page | 6176/205 |
| Instrument | 2022044650 |
| Name | FIFTH THIRD BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45227 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 345 Months |
| Due | Dec 1, 2050 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Dec 1, 2020 |
| Property Address | 324 WISCONSIN AVE, SAINT CLOUD, FL 34769-2256 |
| Document Number | 0058421972 |
| Book / Page | 5842 / 1972 |
| Map Reference | MB B PG 661-64 |
| Instrument Date | Nov 30, 2020 |
| Instrument | 2020163225 |
| Transaction Type | Transfer |
| Record Updated | Feb 8, 2022 |
| Title Company | ZILLOW CLOSING SERVICES LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,732.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 43743 N SCOTTSDALE ROAD #390390, 43743, SCOTTSDALE, AZ 85251 |
| Name | Verified Name |
|---|---|
| Address | 324 WISCONSIN AVE, SAINT CLOUD, FL 34769-2256 |
| Document Number | 0058421975 |
|---|---|
| Date | Dec 1, 2020 |
| Instrument | 5842/1975 |
| Name | FIFTH THIRD BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Aug 31, 2020 |
| Property Address | 324 WISCONSIN AVE, SAINT CLOUD, FL 34769-2256 |
| Document Number | 0057841658 |
| Book / Page | 005784 / 001658 |
| Instrument Date | Aug 26, 2020 |
| Instrument | 115216 |
| Transaction Type | Transfer |
| Record Updated | Sep 25, 2020 |
| Title Company | ZILLOW CLOSING SERVICES LLC, ZILLOW CLOSING SVCS LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,645.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 4343 N SCOTTSDALE RD #390 SCOTTSDALE AZ 852513347, 390, SCOTTSDALE, AZ 85251-3347 |
| Investor | Possibly a Property Investor |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | May 21, 2020 |
| Property Address | 324 WISCONSIN AVE, SAINT CLOUD, FL 34769-2256 |
| Document Number | 0057252706 |
| Book / Page | 005725 / 002706 |
| Instrument Date | Mar 23, 2020 |
| Instrument | 67009 |
| Transaction Type | Transfer |
| Record Updated | Jul 20, 2020 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 1585 TWELVE OAKS CIR ST CLOUD FL 34771, ST CLOUD, FL 34771 |
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 | $3,910.00 (+6.22%) Homeowner's exemption | $261,344 (+5.99%) | $320,700 (+14.29%) Land $60,000 Building $260,700 |
| 2023 | $3,681.00 (+3.54%) Homeowner's exemption | $246,582 (+3%) | $280,600 (+17.21%) Land $55,000 Building $225,600 |
| 2022 | $3,555.00 Homeowner's exemption | $239,400 Land $50,000 Building $189,400 | $239,400 Land $50,000 Building $189,400 |
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 minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record 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.
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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