Osceola County property record for 406 Jersey Ave, Saint Cloud, FL 34769 · Last verified April 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,420 sqft · built 2001 |
| Lot Size | 0.344 acres (14,984 sqft) |
| Owner | Company Name on File |
| Last Sale | $194,000 (Oct 2017) |
| Tax Bill | $2,817 (2025) |
| Deeds & Mortgages | Feb 2023 Transfer Jul 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-26-30-0001-0382-0020 |
| Primary APN | 01-26-30-0001-0382-0020 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,420 sqft Living Area |
| Gross Area | 1,856 sqft |
| 1st Floor Area | 1,420 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2001 |
| Architectural Style | L-Shape |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 14,984 sqft (0.344 acres) |
| Lot Dimensions | 150 ft deep x 100 ft wide |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Florida Room |
|---|---|
| Porch Area | 636 sqft |
| Shed | 1 Shed |
| Shed Area | 120 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 406 JERSEY AVE |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-2737 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LAKE FRONT ADDN PB B PG 61/62 BLK 382 LOT 2 2/26/30 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD 2ND PLAT TOWN OF |
| Legal Tract | 1 |
| Legal Block | 382 |
| Legal Lot Number | 2 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 43400 |
Source: Osceola County records · APN 01-26-30-0001-0382-0020
Assessment roll updated November 26, 2025 · Last verified April 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 406 JERSEY AVE, SAINT CLOUD, FL 34769-2737 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
| Date | Document |
|---|---|
| Feb 27, 2023 | Intrafamily Transfer, Transfer ACCOMMODATION |
| Jul 16, 2021 | Deed of Trust, Mortgage · Conventional Mortgage KELLER MORTGAGE LLC |
| Oct 02, 2017 | Warranty Deed, Transfer · Conventional with PMI VETERANS UNITED HM LNS |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Oct 02, 2017 · Amount on Record |
| Deed Sale | Oct 02, 2017 · Amount on Record |
| Prior Sale | May 30, 2001 · Amount on Record |
| Deed Document Number | 2017139744 |
| Deed Book / Page | 5216 / 982 |
| Last Transfer Date | Feb 20, 2023 |
| Transfer Doc | 0063631159 |
| Record Updated | Jun 08, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Feb 27, 2023 |
| Property Address | 406 JERSEY AVE, SAINT CLOUD, FL 34769-2737 |
| Document Number | 0063631159 |
| Book / Page | 6363 / 1159 |
| Map Reference | MB B PG 61-64 |
| Instrument Date | Feb 20, 2023 |
| Instrument | 2023022812 |
| Transaction Type | Transfer |
| Record Updated | Jun 07, 2023 |
| Title Company | ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 406 JERSEY AVE, SAINT CLOUD, FL 34769-2737 |
| Name | Verified Name |
|---|---|
| Address | 406 JERSEY AVE, SAINT CLOUD, FL 34769-2737 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 406 JERSEY AVE, SAINT CLOUD, FL 34769-2737 |
| Transaction Type | Mortgage |
| Record Updated | Jul 30, 2021 |
| Name | Verified Name |
|---|---|
| Address | 406 JERSEY AVE, SAINT CLOUD, FL 34769-2737 |
| Document Number | 0060032341 |
|---|---|
| Date | Jul 16, 2021 |
| Book Page | 6003/2341 |
| Instrument | 2021110580 |
| Name | KELLER MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DUBLIN, OH 43016 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Oct 02, 2017 |
| Property Address | 406 JERSEY AVE, SAINT CLOUD, FL 34769-2737 |
| Document Number | 0052160982 |
| Book / Page | 005216 / 000982 |
| Instrument Date | Sep 29, 2017 |
| Instrument | 139744 |
| Transaction Type | Transfer |
| Record Updated | Nov 10, 2017 |
| Title Company | STEWART TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,358.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 406 JERSEY AVE ST CLOUD FL 347692737, ST CLOUD, FL 34769-2737 |
| Document Number | 52160983 |
|---|---|
| Date | Oct 02, 2017 |
| Book Page | 005216/000983 |
| Instrument | 139745 |
| Name | VETERANS UNITED HM LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | COLUMBIA, MO 65203 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 01, 2047 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 2026
| 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 | $2,817.00 (+3.72%) Homeowner's exemption Widower's exemption | $205,266 (+5.99%) | $373,600 (+9.79%) Land $63,200 Building $310,400 |
| 2024 | $2,716.00 (+2.92%) | ||
| 2023 | $2,639.00 (+0.73%) Homeowner's exemption Widower's exemption | $193,672 (+3%) | $340,300 (+10.27%) Land $57,500 Building $282,800 |
| 2022 | $2,620.00 Homeowner's exemption Widower's exemption | $188,032 | $308,600 Land $51,800 Building $256,800 |
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
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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