325 Vermont Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 325 Vermont Ave, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,245 sqft · built 1973
Lot Size	0.219 acres (9,583 sqft)
Owner	Individual Name on File
Last Sale	$155,000 (Nov 2016)
Tax Bill	$1,852 (2025)
Deeds & Mortgages	Nov 2021 Line of Credit
Flood Zone	Zone X (moderate risk)
APN	`79919`

Property Details

APN / Parcel Number

Primary APN	`79919`
Alternative APN	`012630000103990080`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,245 sqft Heated Area
Gross Area	1,656 sqft
1st Floor Area	1,245 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1983
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,583 sqft (0.219 acres)
Lot Dimensions	150 ft deep x 62.5 ft wide

Exterior Amenities

Pool Area	338 sqft
Porch	Open Porch
Porch Area	312 sqft
Deck Area	144 sqft
Fence	Fence
Shed	1 Shed
Shed Area	48 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	79919
Street Address	325 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 BLK 399 N 12.5 FT LOT 7 & S 50 FT LOT 8
Legal Range	30E
Legal Township	26S
Legal Section	01
Legal Subdivision	ST CLOUD 2ND AND 3RD STREETS
Legal Tract	1
Legal Block	399
Legal Lot Number	7-8
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2011
Census Tract	43400

Owner

325 Vermont Ave is owned and occupied by an individual who bought it in November 2016.

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 Record	Individual Name on File
Mailing Address	325 VERMONT AVE, SAINT CLOUD, FL 34769-2249
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 30, 2016 · Amount on File
Deed Sale	Nov 30, 2016 · Amount on File
Deed Document Number	2016178194
Deed Book / Page	5063 / 0962
Record Updated	Jun 8, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	325 VERMONT AVE, SAINT CLOUD, FL 34769-2249
Transaction Type	Mortgage
Record Updated	Dec 8, 2021
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	325 VERMONT AVE, SAINT CLOUD, FL 34769-2249

Mortgage

Document Number	0060912667
Date	Nov 22, 2021
Book Page	6091/2667
Instrument	2021180939

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Nov 4, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 325 Vermont Ave was $1,852 with a homeowner's exemption.

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,852.00 Homeowner's exemption	$146,343	$299,400 Land $60,000 Building $239,400
2023	$1,727.00 (+4.29%) Homeowner's exemption	$138,077 (+3%)	$264,400 (+12.13%) Land $55,000 Building $209,400
2022	$1,656.00 Homeowner's exemption	$134,056	$235,800 Land $50,000 Building $185,800

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 325 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

Wildfire risk around 325 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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