Osceola County property record for 407 Virginia Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,076 sqft · built 1988 |
| Lot Size | 0.339 acres (14,810 sqft) |
| Owner | Individual Name on File |
| Last Sale | $400,000 (Aug 2022) |
| Tax Bill | $5,339 (2025) |
| Deeds & Mortgages | Aug 2022 Sale & Mortgage Jul 2019 Sale & Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | 79498 |
| Primary APN | 79498 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,076 sqft Heated Area |
| Gross Area | 2,644 sqft |
| 1st Floor Area | 1,806 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1998 |
| Exterior Material | Brick |
| 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 | Finished |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Enclosed Porch |
| Porch Area | 438 sqft |
| Fence | Fence |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 79498 |
|---|---|
| Street Address | 407 VIRGINIA AVE |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-2948 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR1A |
| Legal Description | GALION GARDENS PB 1 PG 140 BLK 367 LOTS 17 & 18 1-26-30 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD |
| Legal Tract | 1 |
| Legal Block | 367 |
| Legal Lot Number | 1,17-18 18 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 3 |
| Census Block | 3023 |
| Census Tract | 43500 |
Source: Osceola County records · APN 79498
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 |
|---|---|
| Mailing Address | 407 VIRGINIA AVE, SAINT CLOUD, FL 34769-2948 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 31, 2022 | Warranty Deed, Transfer · Conventional Mortgage BROKER SOLUTIONS INC |
| Jul 31, 2019 | Warranty Deed, Transfer NAVY FCU |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Aug 31, 2022 · Amount on Record |
| Deed Sale | Aug 31, 2022 · Amount on Record |
| Prior Sale | Jul 31, 2019 · Amount on Record |
| Deed Document Number | 2022133254 |
| Deed Book / Page | 6278 / 1581 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Aug 31, 2022 |
| Property Address | 407 VIRGINIA AVE, SAINT CLOUD, FL 34769-2948 |
| Document Number | 0062781581 |
| Book / Page | 6278 / 1581 |
| Map Reference | MB 1 PG 140 |
| Instrument Date | Aug 29, 2022 |
| Instrument | 2022133254 |
| Transaction Type | Transfer |
| Record Updated | Sep 23, 2022 |
| Title Company | OLIVER TITLE LAW |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,800.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 827 WOODBERRY DR, 827, EVANS, GA 30809-4456 |
| Name | Verified Name |
|---|---|
| Address | 407 VIRGINIA AVE, SAINT CLOUD, FL 34769-2948 |
| Document Number | 0062781583 |
|---|---|
| Date | Aug 31, 2022 |
| Instrument | 6278/1583 |
| Name | BROKER SOLUTIONS INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jul 31, 2019 |
| Property Address | 407 VIRGINIA AVE, SAINT CLOUD, FL 34769-2948 |
| Document Number | 0055652570 |
| Book / Page | 005565 / 002570 |
| Instrument Date | Jul 24, 2019 |
| Instrument | 98778 |
| Transaction Type | Transfer |
| Record Updated | Aug 16, 2019 |
| Title Company | A CLEAR CHOICE TITLE AND ESCROW, A CLEAR CHOICE TITLE & ESCROW/ |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,785.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 407 VIRGINIA AVE ST CLOUD FL 347692948, ST CLOUD, FL 34769-2948 |
| Document Number | 55652571 |
|---|---|
| Date | Jul 31, 2019 |
| Book Page | 005565/002571 |
| Instrument | 98779 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jul 30, 2049 |
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 | $5,339.00 (+5.97%) Homeowner's exemption | $341,172 (+5.99%) | $360,900 (+12.12%) Land $63,200 Building $297,700 |
| 2023 | $5,038.00 (+59.28%) Homeowner's exemption | $321,900 (+47.89%) Land $57,500 Building $264,400 | $321,900 (+16.21%) Land $57,500 Building $264,400 |
| 2022 | $3,163.00 Homeowner's exemption | $217,656 | $277,000 Land $51,800 Building $225,200 |
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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