Osceola County property record for 342 Jersey Ave, Saint Cloud, FL 34769 · Last verified December 2025
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,440 sqft · built 1979 |
| Lot Size | 0.339 acres (14,810 sqft) |
| Owner | Individual Name on File |
| Last Sale | $129,900 (Dec 2013) |
| Tax Bill | $1,541 (2025) |
| Deeds & Mortgages | Sep 2023 Second Mortgage Sep 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 012630000103990050 |
| Primary APN | 012630000103990050 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,440 sqft Heated Area |
| Gross Area | 2,208 sqft |
| 1st Floor Area | 1,440 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 1990 |
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 14,810 sqft (0.339 acres) |
| Lot Dimensions | 150 ft deep x 100 ft wide |
| Garage Type | Finished |
| Garage Area | 528 sqft |
| Porch | Finished/Screened Porch |
|---|---|
| Porch Area | 240 sqft |
| Patio Area | 384 sqft |
| Fence | Fence |
| Shed | 1 Shed |
| Shed Area | 120 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 342 JERSEY AVE |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-2230 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LAKE FRONT ADDN PB B PG 61-62 BLK 399 LOT 5 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD 2ND AND 3RD STREETS |
| Legal Block | 399 |
| Legal Lot Number | 5 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 43400 |
Source: Osceola County records · APN 012630000103990050
Assessment roll updated July 1, 2025 · Last verified December 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 File |
|---|---|
| Mailing Address | 342 JERSEY AVE, SAINT CLOUD, FL 34769-2230 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 20, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage PENNYMAC LOAN SERVICES LLC |
| Sep 08, 2021 | Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Dec 30, 2013 · Amount on Record |
| Deed Sale | Dec 30, 2013 · Amount on Record |
| Prior Sale | Dec 31, 2003 |
| Deed Document Number | 2013201108 |
| Deed Book / Page | 4550 / 2094 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 342 JERSEY AVE, SAINT CLOUD, FL 34769-2230 |
| Transaction Type | Mortgage |
| Record Updated | Oct 11, 2023 |
| Name | Verified Name |
|---|---|
| Address | 342 JERSEY AVE, SAINT CLOUD, FL 34769-2230 |
| Document Number | 0064770907 |
|---|---|
| Date | Sep 20, 2023 |
| Book Page | 6477/907 |
| Instrument | 2023124146 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Oct 01, 2043 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 342 JERSEY AVE, SAINT CLOUD, FL 34769-2230 |
| Transaction Type | Mortgage |
| Record Updated | Sep 24, 2021 |
| Name | Verified Name |
|---|---|
| Address | 342 JERSEY AVE, SAINT CLOUD, FL 34769-2230 |
| Document Number | 0060390195 |
|---|---|
| Date | Sep 08, 2021 |
| Book Page | 6039/195 |
| Instrument | 2021139288 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2051 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,541.00 (+7.91%) Homeowner's exemption Widower's exemption | $134,021 (+5.99%) | $297,200 (+13.74%) Land $66,000 Building $231,200 |
| 2023 | $1,428.00 (-1.11%) Homeowner's exemption Widower's exemption | $126,451 (+3%) | $261,300 (+17.76%) Land $60,500 Building $200,800 |
| 2022 | $1,444.00 Homeowner's exemption Widower's exemption | $122,768 | $221,900 Land $55,000 Building $166,900 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Wildfire Risk | Low above 34% of the US · above 9% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 2,439 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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