Osceola County property record for 412 Oregon Ave, Saint Cloud, FL 34769 · Last verified April 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 2 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 2005 |
| Square Footage | 1,508 sqft Living Area |
| Lot Size | 11,238 sqft (0.258 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $229,000 (2018) |
| Tax Bill | $2,915.00 (2024) |
| Primary APN | 01-26-30-0001-0363-0050 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,508 sqft Living Area |
| Gross Area | 1,916 sqft Gross Area |
| 1st Floor | 1,508 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 2005 |
| Architectural Style | Custom Design Style |
| Exterior Material | Concrete Block Exterior |
| Construction Type | Masonry/Concrete Masonry Units (CMUs) Construction |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Metal Roof |
| Lot Area | 11,238 sqft (0.258 acres) |
| Depth X Width | 150 ft x 75 ft Depth x Width |
| Shed | 1 Shed |
| Shed Area | 144 sqft Shed |
| Porch Area | 504 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 412 OREGON AVE |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-3070 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | GALION GARDEN PB 1 PG 140 BLK 363 S 1/2 LOT 4 & ALL LOT 5 1-26-30 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD 2ND PLAT TOWN OF |
| Legal Tract | 1 |
| Legal Block | 363 |
| Legal Lot Number | 5 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 5 |
| Census Block | 5025 |
| Census Tract | 43500 |
Source: Osceola County records · APN 01-26-30-0001-0363-0050
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 | Individual Name on File |
|---|---|
| Mailing Address | 412 OREGON AVE, SAINT CLOUD, FL 34769-3070 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Mar 10, 2022 | Deed of Trust, Mortgage · Veterans Administration Mortgage MUTUAL OF OMAHA MORTGAGE INC |
| Oct 21, 2020 | Correction Deed INDEED ABSTRACT, INDEED ABS |
| Oct 20, 2020 | Intrafamily Transfer, Transfer INDEED ABSTRACT LLC |
| Dec 18, 2018 | Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage HOMEBRIDGE FINANCIAL SERVICES INC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Dec 18, 2018 · Amount on Record |
| Deed Sale | Dec 18, 2018 · Amount on Record |
| Prior Sale | Feb 05, 2016 |
| Deed Doc Number | 2018184929 |
| Deed Book / Page | 5451 / 1198 |
| Last Transfer Date | Sep 25, 2020 |
| Transfer Doc | 0058170062 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 412 OREGON AVE, SAINT CLOUD, FL 34769-3070 |
| Transaction Type | Mortgage |
| Record Updated | Mar 29, 2022 |
| Name | Verified Name |
|---|---|
| Address | 412 OREGON AVE, SAINT CLOUD, FL 34769-3070 |
| Document Number | 0061690804 |
|---|---|
| Date | Mar 10, 2022 |
| Book Page | 6169/804 |
| Instrument | 2022039311 |
| Name | MUTUAL OF OMAHA MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | SAN DIEGO, CA 92108 |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 01, 2052 |
| Document Type | Correction Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Oct 21, 2020 |
| Property Address | 412 OREGON AVE, SAINT CLOUD, FL 34769-3070 |
| Document Number | 0058170062 |
| Book / Page | 005817 / 000062 |
| Instrument Date | Oct 21, 2020 |
| Instrument | 142423 |
| Record Updated | Nov 04, 2020 |
| Title Company | INDEED ABSTRACT, INDEED ABS |
| Amount | Amount Recorded |
|---|---|
| Tax | $872.00 |
| Amount Accuracy | Confirmed |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 412 OREGON AVE ST CLOUD FL 347693070, ST CLOUD, FL 34769-3070 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Oct 20, 2020 |
| Property Address | 412 OREGON AVE, SAINT CLOUD, FL 34769-3070 |
| Document Number | 0058160272 |
| Book / Page | 5816 / 272 |
| Map Reference | MB 1 PG 140 |
| Instrument Date | Sep 25, 2020 |
| Instrument | 2020141587 |
| Transaction Type | Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | INDEED ABSTRACT LLC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Zero or No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 412 OREGON AVE, SAINT CLOUD, FL 34769-3070 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Dec 18, 2018 |
| Property Address | 412 OREGON AVE, SAINT CLOUD, FL 34769-3070 |
| Document Number | 0054511198 |
| Book / Page | 5451 / 1198 |
| Map Reference | MB 1 PG 140 |
| Instrument Date | Dec 18, 2018 |
| Instrument | 2018184929 |
| Transaction Type | Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | STEWART TITLE CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,603.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1509 OHIO AVE, 1509, SAINT CLOUD, FL 34769-4441 |
| Name | Verified Name |
|---|---|
| Address | 412 OREGON AVE, SAINT CLOUD, FL 34769-3070 |
| Document Number | 2018184930 |
|---|---|
| Date | Dec 18, 2018 |
| Instrument | 2018184930 |
| Name | HOMEBRIDGE FINANCIAL SERVICES INC |
|---|---|
| Type | Funding / Finance Company |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 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 | $3,019.00 (+3.57%) Homeowner's exemption | $211,579 (+5.99%) | $358,700 (+9.76%) Land $55,000 Building $303,700 |
| 2024 | $2,915.00 (+2.79%) | ||
| 2023 | $2,836.00 (+3.77%) Homeowner's exemption | $199,629 (+3%) | $326,800 (+10.41%) Land $50,000 Building $276,800 |
| 2022 | $2,733.00 Homeowner's exemption | $193,815 | $296,000 Land $45,000 Building $251,000 |
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 | Low above 34% of the US · above 8% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 3,333 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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