400 Vermont Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 400 Vermont Ave, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,680 sqft · built 1972
Lot Size	0.339 acres (14,810 sqft)
Owner	Individual Name on Record
Last Sale	$380,000 (Feb 2024)
Tax Bill	$5,330 (2025)
Deeds & Mortgages	Jan 2023 Sale & Mortgage Jun 2022 Sale + 1 more
Flood Zone	Zone X (moderate risk)
APN	`79707`

Property Details

APN / Parcel Number

Primary APN	`79707`
Alternative APN	`012630000103830010`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,680 sqft Heated Area
Gross Area	2,372 sqft
1st Floor Area	1,680 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1972
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	Carport
Carport	Carport
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Open Porch
Porch Area	440 sqft
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	79707
Street Address	400 VERMONT AVE
City	SAINT CLOUD
State	FL
Zip	34769-2755
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR1A
Legal Description	LAKE FRONT ADDN PB B PG 61/62 BLK 383 LOT 1 2-26-30
Legal Range	30E
Legal Township	26S
Legal Section	01
Legal Subdivision	ST CLOUD
Legal Tract	1
Legal Block	383
Legal Lot Number	1-2 2
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3030
Census Tract	43400

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	400 VERMONT AVE, SAINT CLOUD, FL 34769-2755
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 13, 2023	Warranty Deed, Subdivision Related Transfer · FHA Mortgage INTERCAP LENDING
Jun 2, 2022	Warranty Deed, Transfer USA NATIONAL TITLE COMPANY, BAY NATIONAL TITLE COMPANY
Jun 1, 2022	Warranty Deed, Transfer USA NATIONAL TITLE COMPANY, BAY NATIONAL TITLE COMPANY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 20, 2024 · Amount on Record
Deed Sale	Feb 20, 2024 · Amount on Record
Prior Sale	Jun 2, 2022 · Amount on Record
Deed Document Number	0065521996
Deed Book / Page	6344 / 744
Prior Transfer Date	Jan 13, 2023
Prior Transfer Doc	2023005094
Record Updated	Jun 8, 2026

January 2023: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 13, 2023
Property Address	400 VERMONT AVE, SAINT CLOUD, FL 34769-2755
Document Number	0063440744
Book / Page	6344 / 744
Map Reference	MB B PG 61-64
Instrument Date	Jan 10, 2023
Instrument	2023005094
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 27, 2023
Title Company	FIRST INTERNATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,555.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3512 BEAU CHENE DR, KISSIMMEE, FL 34746-2946

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	400 VERMONT AVE, SAINT CLOUD, FL 34769-2755

Mortgage

Document Number	0006344746
Date	Jan 13, 2023
Instrument	6344/746

Lender

Name	INTERCAP LENDING
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2053

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 2, 2022
Property Address	400 VERMONT AVE, SAINT CLOUD, FL 34769-2755
Document Number	0062241828
Book / Page	6224 / 1828
Map Reference	MB B PG 61-64
Instrument Date	May 31, 2022
Instrument	2022085883
Transaction Type	Transfer
Record Updated	Jun 15, 2022
Title Company	USA NATIONAL TITLE COMPANY, BAY NATIONAL TITLE COMPANY

Transaction

Amount	Amount Recorded
Tax	$1,933.40
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2699 LEE RD STE 110, 2699, WINTER PARK, FL 32789-1738

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	35102 BEAU CHENE DRIVE, KISSIMMEE, FL 34746

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 1, 2022
Property Address	400 VERMONT AVE, SAINT CLOUD, FL 34769-2755
Document Number	0062240956
Book / Page	6224 / 956
Map Reference	MB B PG 61-64
Instrument Date	May 28, 2022
Instrument	2022085640
Transaction Type	Transfer
Record Updated	Jun 15, 2022
Title Company	USA NATIONAL TITLE COMPANY, BAY NATIONAL TITLE COMPANY

Transaction

Amount	Amount Recorded
Tax	$1,785.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	112 PAULL ST, 112, COLUMBIA, KY 42728-1719

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2699 LEE RD STE 110, 110, WINTER PARK, FL 32789-1738
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 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	$5,330.00 (+11.3%) Homeowner's exemption	$340,700 (+28.23%) Land $63,200 Building $277,500	$340,700 (+28.23%) Land $63,200 Building $277,500
2023	$4,789.00 (+19.07%)	$265,700 (+19.15%) Land $57,500 Building $208,200	$265,700 (+19.15%) Land $57,500 Building $208,200
2022	$4,022.00	$223,000 Land $51,800 Building $171,200	$223,000 Land $51,800 Building $171,200

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.

Nearby Properties on Vermont Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures