330 Vermont Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 330 Vermont Ave, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,840 sqft · built 1987
Lot Size	0.352 acres (15,333 sqft)
Owner	2 Individual Names on Record
Last Sale	$257,000 (Mar 2020)
Tax Bill	$3,611 (2025)
Deeds & Mortgages	Sep 2025 Second Mortgage Mar 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`01-26-30-0001-0398-0050`

Property Details

APN / Parcel Number

Primary APN	`01-26-30-0001-0398-0050`
Alternative APNs	`263001000103980050` `79909`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,840 sqft Living Area
Gross Area	2,736 sqft
1st Floor Area	1,521 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Architectural Style	Conventional
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	15,333 sqft (0.352 acres)
Lot Dimensions	150 ft deep x 100 ft wide
Garage Type	Detached
Garage Area	896 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	360 sqft
Porch	Florida Room
Porch Area	703 sqft
Deck Area	476 sqft

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	HVAC

Location & Zoning

Street Address	330 VERMONT AVE
City	SAINT CLOUD
State	FL
Zip	34769-2250
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 398 LOT 5
Legal Range	30E
Legal Township	26S
Legal Section	01
Legal Subdivision	ST CLOUD 2ND PLAT TOWN OF
Legal Tract	1
Legal Block	398
Legal Lot Number	5
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3029
Census Tract	43400

Owner

Source: Osceola County records, as of November 26, 2025

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

Owner of Record	2 Individual Names on Record
Mailing Address	330 VERMONT AVE, SAINT CLOUD, FL 34769-2250
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 10, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NATIONSTAR MORTGAGE LLC
Mar 5, 2020	Warranty Deed, Transfer · FHA Mortgage AMERIFIRST FINANCIAL CORP
Aug 8, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 5, 2020 · Amount on Record
Deed Sale	Mar 5, 2020 · Amount on Record
Prior Sale	Jan 27, 2006 · Amount on Record
Deed Document Number	202032184
Deed Book / Page	5686 / 575
Prior Transfer Date	Aug 8, 2017
Prior Transfer Doc	0051910502
Record Updated	Jun 8, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	330 VERMONT AVE, SAINT CLOUD, FL 34769-2250
Transaction Type	Mortgage
Record Updated	Oct 22, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	330 VERMONT AVE, SAINT CLOUD, FL 34769-2250

Mortgage

Document Number	0068462979
Date	Sep 10, 2025
Book Page	6846/2979
Instrument	2025112151

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2055

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 5, 2020
Property Address	330 VERMONT AVE, SAINT CLOUD, FL 34769-2250
Document Number	0056860575
Book / Page	5686 / 575
Map Reference	MB B PG 61-64
Instrument Date	Feb 28, 2020
Instrument	2020032184
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	REPUBLIC LAND AND TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,799.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	34892 MICHELLE DR, 34892, ROMULUS, MI 48174-3436

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4325 HENRY J AVE, SAINT CLOUD, FL 34772-7479

Mortgage

Document Number	0056860577
Date	Mar 5, 2020
Instrument	5686/0577

Lender

Name	AMERIFIRST FINANCIAL CORP
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2050

August 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 8, 2017
Property Address	330 VERMONT AVE, SAINT CLOUD, FL 34769-2250
Document Number	0051910502
Book / Page	005191 / 000502
Instrument Date	Aug 8, 2017
Instrument	114199
Transaction Type	Transfer
Record Updated	Sep 25, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	330 VERMONT AVE ST CLOUD FL 347692250, ST CLOUD, FL 34769-2250

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	$3,611.00 (+3.5%) Homeowner's exemption	$244,671 (+5.99%)	$339,800 (+14.03%) Land $66,000 Building $273,800
2024	$3,489.00 (+2.68%)
2023	$3,398.00 (+3.63%) Homeowner's exemption	$230,851 (+3%)	$298,000 (+17.55%) Land $60,500 Building $237,500
2022	$3,279.00 Homeowner's exemption	$224,128	$253,500 Land $55,000 Building $198,500

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 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 98 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	110 units insured incl. 12 condo units
Nearby Flood Claims	24 (1994–2022)
Claims Outside the SFHA	3 of 24
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Ian, Sep 2022 · 4 claims Hurricane Ian, Sep 2022 · 2 claims Hurricane Frances, Sep 2004 · 3 claims

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	Low lower than 67% of the US · lower than 92% of Florida
Wildfire Likelihood	0.03% annual chance
Exposure	None beyond ember reach

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 439 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

May also be available: Hotwire Communications.

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