Osceola County property record for 408 Vermont Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,917 sqft · built 1979 |
| Lot Size | 0.352 acres (15,333 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $259,000 (Jun 2019) |
| Tax Bill | $3,803 (2025) |
| Deeds & Mortgages | Nov 2017 Mortgage Jun 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-26-30-0001-0383-0030 |
| Primary APN | 01-26-30-0001-0383-0030 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,917 sqft Living Area |
| Gross Area | 2,737 sqft |
| 1st Floor Area | 1,917 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 1989 |
| Architectural Style | Conventional |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 15,333 sqft (0.352 acres) |
| Lot Dimensions | 150 ft deep x 100 ft wide |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Florida Room |
|---|---|
| Porch Area | 280 sqft |
| Patio Area | 300 sqft |
| Utility Building | 312 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 408 VERMONT AVE |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-2755 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR1A |
| Legal Description | LAKE FRONT ADDN PB B PG 61-62 BLK 383 LOT 3 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 | 383 |
| Legal Lot Number | 3 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 3 |
| Census Block | 3030 |
| Census Tract | 43400 |
Source: Osceola County records · APN 01-26-30-0001-0383-0030
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 408 VERMONT AVE, SAINT CLOUD, FL 34769-2755 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 27, 2017 | Deed of Trust, Mortgage · Conventional Mortgage FBC MORTGAGE LLC |
| Jun 07, 2019 | Warranty Deed, Transfer · Conventional Mortgage PARAMOUNT RESIDENTIAL MORTGAGE GROU |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 07, 2019 · Amount on Record |
| Deed Sale | Jun 07, 2019 · Amount on Record |
| Prior Sale | Apr 01, 2015 · Amount on Record |
| Deed Document Number | 201973365 |
| Deed Book / Page | 5536 / 2890 |
| Prior Transfer Date | Mar 10, 2004 |
| Prior Transfer Doc | 0025620916 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 408 VERMONT AVE, SAINT CLOUD, FL 34769-2755 |
| Transaction Type | Mortgage |
| Record Updated | May 02, 2022 |
| Title Company | CLEAR TITLE OF FLORIDA LLC |
| Name | Verified Name |
|---|
| Document Number | 0052440274 |
|---|---|
| Date | Nov 27, 2017 |
| Book Page | 5244/0274 |
| Instrument | 2017167641 |
| Name | FBC MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | ORLANDO, FL 32801 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 01, 2047 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jun 07, 2019 |
| Property Address | 408 VERMONT AVE, SAINT CLOUD, FL 34769-2755 |
| Document Number | 0055362890 |
| Book / Page | 5536 / 2890 |
| Map Reference | MB D PG 61-64 |
| Instrument Date | May 01, 2019 |
| Instrument | 2019073365 |
| Transaction Type | Transfer |
| Record Updated | May 02, 2022 |
| Title Company | CLEAR TITLE OF FLORIDA LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,813.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 408 VERMONT AVE, 408, SAINT CLOUD, FL 34769-2755 |
| Name | Verified Name |
|---|---|
| Address | 408 VERMONT AVE, SAINT CLOUD, FL 34769-2755 |
| Document Number | 0055362892 |
|---|---|
| Date | Jun 07, 2019 |
| Instrument | 5536/2892 |
| Name | PARAMOUNT RESIDENTIAL MORTGAGE GROU |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 01, 2049 |
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 | $3,803.00 (+3.96%) Homeowner's exemption | $255,354 (+6.36%) | $363,100 (+12.24%) Land $63,200 Building $299,900 |
| 2024 | $3,658.00 (+2.64%) | ||
| 2023 | $3,564.00 (+3.57%) Homeowner's exemption | $240,081 (+3%) | $323,500 (+16.24%) Land $57,500 Building $266,000 |
| 2022 | $3,441.00 Homeowner's exemption | $233,089 | $278,300 Land $51,800 Building $226,500 |
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 minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 98 individual policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 110 units insured incl. 12 condo units |
| Nearby Flood Claims | 24 (1994–2022) |
| Claims Outside the SFHA | 3 of 24 |
| Most Recent Claim | Sep 2022 · Hurricane Ian |
| Claims by Event |
|
| Wildfire Risk | Low lower than 67% of the US · lower than 92% of Florida |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | None beyond ember reach |
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 |
May also be available: Hotwire Communications.
Based on FCC filings for 439 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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