Osceola County property record for 3651 S Indiana Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,420 sqft · built 1991 |
| Lot Size | 0.573 acres (25,003 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $86,000 (May 1991) |
| Tax Bill | $1,026 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 85066 |
| Primary APN | 85066 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,420 sqft Heated Area |
| Gross Area | 2,560 sqft |
| 1st Floor Area | 1,420 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1991 |
|---|---|
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 25,003 sqft (0.573 acres) |
| Garage Type | Mixed |
| Garage Area | 572 sqft |
| Parking Spaces | 3 Parking Spaces |
| Pool Area | 420 sqft |
|---|---|
| Porch | Finished/Screened Porch |
| Porch Area | 568 sqft |
| Deck Area | 672 sqft |
| Fence | Fence |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 85066 |
|---|---|
| Street Address | 3651 S INDIANA AVE |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-5608 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | OR1A |
| Legal Description | S L & I C PB B PG 5 BEG 7.5 FT E & 7.5 FT N OF SW COR LOT 63, N 158 FT, E 155 FT, S 158 FT, W 155 FT TO POB |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 14 |
| Legal Subdivision | SEMINOLE LAND&INV CO |
| Legal Tract | 4950 |
| Legal Block | 1 |
| Legal Lot Number | 63 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2019 |
| Census Tract | 43303 |
Source: Osceola County assessment roll, as of July 1, 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 File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 3651 S INDIANA AVE, SAINT CLOUD, FL 34769-5608 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 31, 1991 · Amount on Record |
| Deed Sale | May 31, 1991 · Amount on Record |
| Deed Document Number | 0010172398 |
| Record Updated | Jun 8, 2026 |
Source: Osceola County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,026.00 (+8.69%) Homeowner's exemption | $100,215 (+5.99%) | $332,900 (+2.24%) Land $50,000 Building $282,900 |
| 2023 | $944.00 (+5.47%) Homeowner's exemption | $94,555 (+3%) | $325,600 (+56.39%) Land $50,000 Building $275,600 |
| 2022 | $895.00 Homeowner's exemption | $91,801 | $208,200 Land $45,000 Building $163,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| 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 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 65% of the US · above 42% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 |
| 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.
Source: FCC Broadband Data Collection, based on 161 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
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