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406 Vermont Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 406 Vermont Ave, Saint Cloud, FL 34769

Property Summary

Property TypeSingle Family Home
Details2 ba · 1,724 sqft · built 1974
Lot Size0.352 acres (15,333 sqft)
OwnerIndividual Name on Record
Last Sale$122,800 (Dec 2001)
Tax Bill$1,175 (2025)
Deeds & MortgagesJun 2026 Mortgage
Flood ZoneZone X (minimal risk)
APN01-26-30-0001-0383-0020

Property Details

APN / Parcel Number

Primary APN01-26-30-0001-0383-0020
Alternative APNs
  • 263001000103830020
  • 79708

Interior

Full Baths2 Baths
Stories1 Story
Building Area1,724 sqft Living Area
Gross Area2,664 sqft
1st Floor Area1,724 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1974
Effective Year BuiltEffective 1980
Architectural StyleConventional
Exterior MaterialConcrete Block
Construction TypeMasonry / Concrete Block
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area15,333 sqft (0.352 acres)
Lot Dimensions150 ft deep x 100 ft wide
Garage TypeAttached
Garage Area484 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

PorchFlorida Room
Porch Area456 sqft
Shed1 Shed
Shed Area80 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address406 VERMONT AVE
CitySAINT CLOUD
StateFL
Zip34769-2755
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeSR1A
Legal DescriptionLAKE FRONT ADDN PB B PG 61-62 BLK 383 LOT 2 2/26/30
Legal Range30E
Legal Township26S
Legal Section01
Legal SubdivisionST CLOUD 2ND PLAT TOWN OF
Legal Tract1
Legal Block383
Legal Lot Number2
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group3
Census Block3030
Census Tract43400

Owner

Source: Osceola County records, as of July 9, 2026

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 RecordIndividual Name on Record
Mailing Address406 VERMONT AVE, SAINT CLOUD, FL 34769-2755
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleDec 28, 2001 · Amount on Record
Deed SaleDec 28, 2001 · Amount on Record
Deed Book / Page1978 / 848
Record UpdatedSep 20, 2026

June 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Recording DateJun 29, 2026
Property Address406 VERMONT AVE, SAINT CLOUD, FL 34769-2755
Document Number0000084752
Book / Page6995 / 926
Instrument DateJun 22, 2026
Instrument202684752
Transaction TypeMortgage
Record UpdatedJul 12, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

NameVerified Name
Address406 VERMONT AVE, SAINT CLOUD, FL 34769-2755

Mortgage

Document Number0000084752,
DateJun 29, 2026
Book Page6995/926
Instrument202684752
Lender
NameHOMEOWNERSHIP CENTER
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term120 Months
DueJun 26, 2036
Interest
Rate TypeFixed Rate
Rate6.51%
Initial TypeFixed Rate
Max Rate-1%

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$1,175.00 (+8.29%) Homeowner's exemption$108,523 (+5.99%)$313,800 (+13.41%) Land $63,200 Building $250,600
2023$1,085.00 (+5.14%) Homeowner's exemption$102,394 (+3%)$276,700 (+16.75%) Land $57,500 Building $219,200
2022$1,032.00 Homeowner's exemption$99,412$237,000 Land $51,800 Building $185,200

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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 98 individual policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies110 units insured
incl. 12 condo units
Nearby Flood Claims24 (1994–2022)
Claims Outside the SFHA3 of 24
Most Recent ClaimSep 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 RiskLow
lower than 67% of the US · lower than 92% of Florida
Wildfire Likelihood0.03% annual chance
ExposureNone
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 SystemST. CLOUD, CITY OF (3 WPS)
serves 82,752 people · EPA ID FL3491373
Water SourceGroundwater
Last State InspectionJul 2025
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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

ProviderMax 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.

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