400 Oregon Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 400 Oregon Ave, Saint Cloud, FL 34769 · Last verified December 2025

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	2 Baths
Year Built	Built 1991
Square Footage	1,400 sqft Heated Area
Lot Size	11,326 sqft (0.26 acres)
Occupancy	Owner Occupied
Last Sale	$169,500 (2016)
Tax Bill	$2,406.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`79431`
Alternative APN	`012630000103630010`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,400 sqft Heated Area
Gross Area	2,012 sqft Gross Area
1st Floor	1,400 sqft 1st Floor
Stories	1 Stories
Primary Flooring	Tile Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1991
Exterior Material	Concrete Block Exterior
Foundation Type	Footing Foundation
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	11,326 sqft (0.26 acres)
Depth X Width	150 ft x 75 ft Depth x Width
Parking Spaces	2 Parking Spaces
Garage Type	Finished Garage
Garage Area	412 sqft Garage

Exterior Amenities

Fence	Fence
Shed	1 Shed
Shed Area	80 sqft Shed
Porch	Finished/Screened Porch
Porch Area	200 sqft Porch

Utilities and HVAC

Cooling System	A/C Package Cooling
Heating System	HVAC Heating

Location & Zoning

Account Number	79431
Street Address	400 OREGON AVE
City	SAINT CLOUD
State	FL
Zip	34769-3070
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	GALION GARDENS PB 1 PG 140 BLK 363 LOT 1 & N 1/2 LOT 2 1-26-30
Legal Range	30E
Legal Township	26S
Legal Section	01
Legal Subdivision	ST CLOUD
Legal Tract	1
Legal Block	363
Legal Lot Number	1-2
Jurisdiction	OSCEOLA FL
Minor Civil Division	ST. CLOUD
Census Blockgroup	5
Census Block	5025
Census Tract	43500

Owner

Source: Osceola County records · APN 79431

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
Co-owner	Verified Secondary Owner
Mailing Address	400 OREGON AVE, SAINT CLOUD, FL 34769-3070
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Feb 03, 2016 · Amount on Record
Deed Sale	Feb 03, 2016 · Amount on Record
Prior Sale	Jun 26, 2013 · Amount on Record
Deed Doc Number	2016016801
Deed Book / Page	4908 / 2791
Record Refreshed	Jun 08, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	400 OREGON AVE, SAINT CLOUD, FL 34769-3070
Transaction Type	Mortgage
Record Updated	Nov 01, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	400 OREGON AVE, SAINT CLOUD, FL 34769-3070

Mortgage

Document Number	0063011455
Date	Oct 18, 2022
Book Page	6301/1455
Instrument	2022154144

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2052

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 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

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	$2,406.00 (+12.32%) Homeowner's exemption	$177,321 (+10.07%)	$329,500 (+11.77%) Land $55,000 Building $274,500
2023	$2,142.00 (+4.03%) Homeowner's exemption	$161,092 (+3%)	$294,800 (+10.21%) Land $50,000 Building $244,800
2022	$2,059.00 Homeowner's exemption	$156,400	$267,500 Land $45,000 Building $222,500

Flood & Wildfire

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

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Moderate
500-Year Floodplain	Yes
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Low above 36% of the US · above 10% of Florida
Wildfire Likelihood	About 1 in 1,754 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values are read at the parcel center point; lenders make the official flood determination.