3275 S Indiana Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 3275 S Indiana Ave, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,156 sqft · built 1970
Lot Size	1.04 acres (45,520 sqft)
Owner	Company Name on Record
Last Sale	$277,500 (Jun 2019)
Tax Bill	$7,514 (2025)
Deeds & Mortgages	Oct 2024 Transfer Oct 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`14-26-30-4950-0001-0315`

Property Details

APN / Parcel Number

Primary APN	`14-26-30-4950-0001-0315`
Alternative APNs	`263014495000010315` `85030`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,156 sqft Living Area
Gross Area	3,442 sqft
1st Floor Area	1,895 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1989
Architectural Style	Conventional
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	45,520 sqft (1.04 acres)
Garage Type	Attached
Garage Area	696 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	348 sqft
Utility Building	144 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3275 S INDIANA AVE
City	SAINT CLOUD
State	FL
Zip	34769-5611
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OAC
Legal Description	S L & I C PB B PG 5 W 254.50 FT OF THE S 180 FT OF LOT 31 LESS W 7.5 FT FOR R/W
Legal Range	30E
Legal Township	26S
Legal Section	14
Legal Subdivision	S L & I C
Legal Tract	4950
Legal Block	315
Legal Lot Number	31
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2019
Census Tract	43303

Owner

Source: Osceola County records, as of July 13, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	4304 SIOUX CT, SAINT CLOUD, FL 34772-7359
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Oct 1, 2024	Intrafamily Transfer, Transfer
Oct 3, 2022	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Jun 11, 2019	Warranty Deed, Transfer · FHA Mortgage FREEDOM MORTGAGE CORP
Aug 6, 2018	Quit Claim Deed, Transfer · FHA Mortgage INTERCONTINENTAL CAP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 11, 2019 · Amount on Record
Deed Sale	Jun 11, 2019 · Amount on Record
Prior Sale	Feb 2, 2012
Deed Document Number	201975156
Deed Book / Page	5539 / 340
Last Transfer Date	Oct 1, 2024
Transfer Doc	0066722049
Record Updated	Sep 20, 2026

October 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Oct 1, 2024
Property Address	3275 S INDIANA AVE, SAINT CLOUD, FL 34769-5611
Document Number	0066722049
Book / Page	6672 / 2049
Map Reference	MB B PG 5
Instrument Date	Sep 30, 2024
Instrument	2024125333
Transaction Type	Transfer
Record Updated	Dec 12, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3275 S INDIANA AVE, SAINT CLOUD, FL 34769-5611

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4304 SIOUX CT, SAINT CLOUD, FL 34772-7359

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3275 S INDIANA AVE, SAINT CLOUD, FL 34769-5611
Transaction Type	Mortgage
Record Updated	Oct 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3275 S INDIANA AVE, SAINT CLOUD, FL 34769-5611

Mortgage

Document Number	0062931437
Date	Oct 3, 2022
Book Page	6293/1437
Instrument	2022146647

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	480 Months
Due	Oct 1, 2062

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 11, 2019
Property Address	3275 S INDIANA AVE, SAINT CLOUD, FL 34769-5611
Document Number	0055390340
Book / Page	5539 / 0340
Map Reference	MB B PG 5
Instrument Date	Jun 6, 2019
Instrument	2019075156
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	FIRST SERVICE TTL OF FL LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,942.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4826 CR 306A, 4826, LAKE PANASOFFKEE, FL 33538-3328

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3275 S INDIANA AVE, SAINT CLOUD, FL 34769-5611

Mortgage

Document Number	0005539343
Date	Jun 11, 2019
Instrument	5539/343

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2049

August 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 6, 2018
Property Address	3275 S INDIANA AVE, SAINT CLOUD, FL 34769-5611
Document Number	0053792127
Book / Page	005379 / 002127
Instrument Date	Jul 26, 2018
Instrument	119467
Transaction Type	Transfer
Record Updated	Aug 20, 2018
Title Company	NATIONWIDE TITLE CLEARING INC

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3275 S INDIANA AVE ST CLOUD FL 347695611, ST CLOUD, FL 34769-5611

Mortgage

Document Number	53792130
Date	Aug 6, 2018
Book Page	005379/002130
Instrument	119468

Lender

Name	INTERCONTINENTAL CAP
Type	Funding / Finance Company
Address	MELVILLE, NY 11747

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 5, 2048

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 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	$7,514.00 (+81.76%)	$419,600 (+57.78%) Land $66,200 Building $353,400	$419,600 (+3.76%) Land $66,200 Building $353,400
2024	$4,134.00 (+2.58%)
2023	$4,030.00 (+3.52%) Homeowner's exemption	$265,946 (+3%)	$404,400 (+56.62%) Land $58,800 Building $345,600
2022	$3,893.00 Homeowner's exemption	$258,200 Land $58,800 Building $199,400	$258,200 Land $58,800 Building $199,400

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

Flood

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 38 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	38 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 64% of the US · lower than 60% of Florida
Wildfire Likelihood	0.2% 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 128 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

May also be available: CenturyLink.

Nearby Properties on S Indiana Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures