Osceola County property record for 406 Virginia Ave, Saint Cloud, FL 34769 · Last verified December 2025
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,229 sqft · built 1979 |
| Lot Size | 0.339 acres (14,810 sqft) |
| Owner | Trust Name on File |
| Last Sale | $128,000 (Apr 2015) |
| Tax Bill | $4,583 (2025) |
| Flood Zone | Zone X (moderate risk) |
| APN | 79501 |
| Primary APN | 79501 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,229 sqft Heated Area |
| Gross Area | 1,823 sqft |
| 1st Floor Area | 1,229 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 1984 |
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 14,810 sqft (0.339 acres) |
| Lot Dimensions | 150 ft deep x 100 ft wide |
| Garage Type | Finished |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 90 sqft |
| Patio Area | 330 sqft |
| Fence | Fence |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 79501 |
|---|---|
| Street Address | 406 VIRGINIA AVE |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-2949 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LAKE FRONT ADDN PB B PG 63 BLK 368 LOT 2 1/26/30 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD |
| Legal Tract | 1 |
| Legal Block | 368 |
| Legal Lot Number | 1-2 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 3 |
| Census Block | 3022 |
| Census Tract | 43500 |
Source: Osceola County records · APN 79501
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 | Trust Name on File |
|---|---|
| Mailing Address | 1604 HADDOCK ST, SAINT CLOUD, FL 34771-9728 |
| Owner Type | Individual |
| Vesting | Trust |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Apr 17, 2015 · Amount on Record |
| Deed Sale | Apr 17, 2015 · Amount on Record |
| Prior Sale | Apr 17, 2015 · Amount on Record |
| Deed Document Number | 0047652428 |
| Deed Book / Page | 004765 / 002428 |
| Last Transfer Date | Jun 03, 2016 |
| Transfer Doc | 0049700967 |
| Record Updated | Jun 08, 2026 |
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 | $4,583.00 (+17.36%) | $269,900 (+12.69%) Land $63,200 Building $206,700 | $269,900 (+12.69%) Land $63,200 Building $206,700 |
| 2023 | $3,905.00 (+11.76%) | $239,500 (+15.64%) Land $57,500 Building $182,000 | $239,500 (+15.64%) Land $57,500 Building $182,000 |
| 2022 | $3,494.00 | $207,100 Land $51,800 Building $155,300 | $207,100 Land $51,800 Building $155,300 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970435003, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Moderate |
| 500-Year Floodplain | Yes |
| Flood Insurance Cost | Premium on Record median of 40 individual NFIP policies nearby |
| 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, river or lake flooding, Hurricane Ian |
| Wildfire Risk | Low above 32% of the US · above 8% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 2,941 per year |
| 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, availability as of December 31, 2025 · Published October 2026 · based on 330 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Lumen Technologies | Fiber | 8,000 / 8,000 |
| Spectrum | Cable | 1,000 / 1,000 |
| Verizon | Fixed Wireless | 300 / 20 |
| Starlink | Satellite (low-earth orbit) | 280 / 30 |
Availability varies by address; speeds are provider-advertised maximums, not measured.
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