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343 Vermont Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 343 Vermont Ave, Saint Cloud, FL 34769

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,064 sqft · built 1973
Lot Size0.219 acres (9,583 sqft)
OwnerIndividual Name on File
Last Sale$209,900 (Jan 2021)
Tax Bill$2,706 (2025)
Deeds & MortgagesJan 2021 Sale & Mortgage
Flood ZoneZone X (moderate risk)
APN79916

Property Details

APN / Parcel Number

Primary APN79916
Alternative APN
  • 012630000103990060

Interior

Bedrooms3 Beds
Full Baths2 Baths
Half Baths1 Half Bath
Stories1 Story
Building Area1,064 sqft Heated Area
Gross Area1,576 sqft
1st Floor Area1,040 sqft
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1973
Effective Year BuiltEffective 1983
Exterior MaterialConcrete Block
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area9,583 sqft (0.219 acres)
Lot Dimensions150 ft deep x 62.5 ft wide
Garage TypeFinished
Garage Area312 sqft
Parking Spaces1 Parking Space
PorchEnclosed Porch
Porch Area224 sqft
FenceFence

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Account Number79916
Street Address343 VERMONT AVE
CitySAINT CLOUD
StateFL
Zip34769-2249
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeSR1A
Legal DescriptionLAKE FRONT ADDN PB B PG 61-62 BLK 399 S 62.5 FT LOT 6
Legal Range30E
Legal Township26S
Legal Section01
Legal SubdivisionST CLOUD 2ND AND 3RD STREETS
Legal Tract1
Legal Block399
Legal Lot Number6
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group2
Census Block2011
Census Tract43400

Owner

343 Vermont Ave is owned and occupied by an individual who bought it in January 2021.

Source: Osceola County records, as of December 11, 2025

Owner of RecordIndividual Name on File
Mailing Address343 VERMONT AVE, SAINT CLOUD, FL 34769-2249
OccupancyOwner Occupied
Owner TypeIndividual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJan 27, 2021 · Amount on File
Deed SaleJan 27, 2021 · Amount on File
Prior SaleJan 20, 2011 · Amount on File
Deed Document Number2021011855
Deed Book / Page5878 / 365
Record UpdatedJun 8, 2026

January 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateJan 27, 2021
Property Address343 VERMONT AVE, SAINT CLOUD, FL 34769-2249
Document Number0058780365
Book / Page5878 / 365
Map ReferenceMB B PG 61-64
Instrument DateJan 8, 2021
Instrument2021011855
Transaction TypeTransfer
Record UpdatedAug 1, 2022
Title CompanyINTEGRITY FIRST TITLE

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,469.30
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address8516 SUNFLOWER LN, 8516, HUDSON, FL 34667-2543

Transferred To (Grantee/Buyer)

NameVerified Name
Address438 INDIANA AVE, SAINT CLOUD, FL 34769-2863

Mortgage

Document Number0005878367
DateJan 27, 2021
Instrument5878/367
Lender
NameTHE MORTGAGE FIRM INC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term361 Months
DueFeb 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 343 Vermont Ave was $2,706 with a homeowner's exemption.

Source: Osceola County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$2,706.00 Homeowner's exemption$194,098$241,500 Land $60,000 Building $181,500
2023$2,539.00 (+3.84%) Homeowner's exemption$183,134 (+3%)$209,600 (+17.89%) Land $55,000 Building $154,600
2022$2,445.00 Homeowner's exemption$177,800 Land $50,000 Building $127,800$177,800 Land $50,000 Building $127,800

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

Flood

FEMA maps place 343 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 ZoneZone X
moderate risk
500-Year FloodplainYes
0.2% annual chance
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 18 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies18 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 343 Vermont Ave is low, with a 0.03% annual chance of wildfire.

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

Wildfire RiskLow
lower than 67% of the US · lower than 92% of Florida
Wildfire Likelihood0.03% annual chance
ExposureNone
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 SystemST. CLOUD, CITY OF (3 WPS)
serves 82,752 people · EPA ID FL3491373
Water SourceGroundwater
Last State InspectionJul 2025
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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

ProviderMax 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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