Osceola County property record for 401 Illinois Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,508 sqft · built 1965 |
| Lot Size | 0.26 acres (11,326 sqft) |
| Owner | Individual Name on File |
| Last Sale | $186,000 (May 2016) |
| Tax Bill | $2,371 (2025) |
| Deeds & Mortgages | Jan 2023 Mortgage Jan 2017 Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | 79525 |
| Primary APN | 79525 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,508 sqft Heated Area |
| Gross Area | 2,156 sqft |
| 1st Floor Area | 1,508 sqft |
| Interior Walls | Plaster |
| Year Built | Built 1965 |
|---|---|
| Effective Year Built | Effective 1985 |
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 11,326 sqft (0.26 acres) |
| Lot Dimensions | 150 ft deep x 75 ft wide |
| Garage Type | Finished |
| Garage Area | 300 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
|---|---|
| Porch Area | 312 sqft |
| Fence | Fence |
| Shed | 1 Shed |
| Shed Area | 200 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 79525 |
|---|---|
| Street Address | 401 ILLINOIS AVE |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-2807 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR1A |
| Legal Description | LAKE FRONT ADDN PB B PG 61/62 BLK 369 N 75 FT LOT 10 2/26/30 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD |
| Legal Tract | 1 |
| Legal Block | 369 |
| Legal Lot Number | 2,10 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 3 |
| Census Block | 3021 |
| Census Tract | 43500 |
Source: Osceola County records · APN 79525
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 | 401 ILLINOIS AVE, SAINT CLOUD, FL 34769-2807 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 19, 2023 | Deed of Trust, Mortgage · VA Mortgage DOVENMUEHLE MORTGAGE INC |
| Jan 11, 2017 | Deed of Trust, Mortgage · VA Mortgage RP FUNDING INC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 16, 2016 · Amount on Record |
| Deed Sale | May 16, 2016 · Amount on Record |
| Prior Sale | Apr 04, 2016 · Amount on Record |
| Deed Document Number | 2016073863 |
| Deed Book / Page | 4960 / 2598 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 401 ILLINOIS AVE, SAINT CLOUD, FL 34769-2807 |
| Transaction Type | Mortgage |
| Record Updated | Feb 02, 2023 |
| Name | Verified Name |
|---|---|
| Address | 401 ILLINOIS AVE, SAINT CLOUD, FL 34769-2807 |
| Document Number | 0063461187 |
|---|---|
| Date | Jan 19, 2023 |
| Book Page | 6346/1187 |
| Instrument | 2023007135 |
| Name | DOVENMUEHLE MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | DALLAS, TX 75201 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 288 Months |
| Due | Jan 01, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 401 ILLINOIS AVE, SAINT CLOUD, FL 34769-2807 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0050840962 |
|---|---|
| Date | Jan 11, 2017 |
| Book Page | 5084/0962 |
| Instrument | 2017006101 |
| Name | RP FUNDING INC |
|---|---|
| Type | Mortgage Company |
| Address | MAITLAND, FL 32751 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 01, 2047 |
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 | $2,371.00 (+6.8%) Homeowner's exemption | $175,347 (+5.99%) | $344,500 (+9.75%) Land $55,000 Building $289,500 |
| 2023 | $2,220.00 (+3.98%) Homeowner's exemption | $165,443 (+3%) | $313,900 (+10.3%) Land $50,000 Building $263,900 |
| 2022 | $2,135.00 Homeowner's exemption | $160,625 | $284,600 Land $45,000 Building $239,600 |
Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 40 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 40 in force |
| Nearby Flood Claims | 3 (1995–2022) |
| Claims Outside the SFHA | 2 of 3 |
| Most Recent Claim | Sep 2022 · Hurricane Ian |
| Wildfire Risk | Low lower than 67% of the US · lower than 92% of Florida |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Lumen Technologies Fiber | 8,000 / 8,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
Based on FCC filings for 330 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | ST. CLOUD, CITY OF (3 WPS) serves 82,752 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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