Osceola County property record for 412 Vermont Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,362 sqft · built 1971 |
| Lot Size | 0.339 acres (14,810 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $74,300 (Mar 2018) |
| Tax Bill | $1,339 (2025) |
| Deeds & Mortgages | Jun 2021 Mortgage Mar 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 79710 |
| Primary APN | 79710 |
|---|---|
| Alternative APN |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 1,362 sqft Heated Area |
| Gross Area | 2,574 sqft |
| 1st Floor Area | 1,050 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1971 |
|---|---|
| Effective Year Built | Effective 1981 |
| Exterior Material | Stucco |
| Construction Type | Frame |
| 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 | Detached - Finished |
| Garage Area | 720 sqft |
| Parking Spaces | 3 Parking Spaces |
| Pool Area | 406 sqft |
|---|---|
| Porch | Enclosed Porch |
| Porch Area | 708 sqft |
| Deck Area | 514 sqft |
| Fence | Fence |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 79710 |
|---|---|
| Street Address | 412 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 4 2/26/30 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD |
| Legal Tract | 1 |
| Legal Block | 383 |
| Legal Lot Number | 2,4 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 3 |
| Census Block | 3030 |
| Census Tract | 43400 |
Source: Osceola County records, as of December 11, 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 Record |
|---|---|
| Mailing Address | 412 VERMONT AVE, SAINT CLOUD, FL 34769-2755 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 17, 2021 | Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC |
| Mar 8, 2018 | Special Warranty Deed, Transfer · FHA Mortgage THE MORTGAGE FIRM INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 8, 2018 · Amount on Record |
| Deed Sale | Mar 8, 2018 · Amount on Record |
| Prior Sale | Feb 12, 2016 · Amount on Record |
| Deed Document Number | 2018039604 |
| Deed Book / Page | 5298 / 1963 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 412 VERMONT AVE, SAINT CLOUD, FL 34769-2755 |
| Transaction Type | Mortgage |
| Record Updated | Aug 1, 2022 |
| Name | Verified Name |
|---|---|
| Address | 412 VERMONT AVE, SAINT CLOUD, FL 34769-2755 |
| Document Number | 0059831060 |
|---|---|
| Date | Jun 17, 2021 |
| Book Page | 5983/1060 |
| Instrument | 2021094678 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jun 1, 2041 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Mar 8, 2018 |
| Property Address | 412 VERMONT AVE, SAINT CLOUD, FL 34769-2755 |
| Document Number | 0052981963 |
| Book / Page | 5298 / 1963 |
| Map Reference | MB B PG61 |
| Instrument Date | Mar 2, 2018 |
| Instrument | 2018039604 |
| Transaction Type | Transfer |
| Record Updated | Aug 1, 2022 |
| Title Company | ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Tax | $520.10 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 962 PRINCETON MANOR LN, 962, LAKELAND, FL 33809-2110 |
| Name | Verified Name |
|---|---|
| Address | 412 VERMONT AVE, SAINT CLOUD, FL 34769-2755 |
| Document Number | 2018039605 |
|---|---|
| Date | Mar 8, 2018 |
| Instrument | 2018039605 |
| Name | THE MORTGAGE FIRM INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2048 |
Source: Osceola County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,339.00 (-6.95%) Homeowner's exemption Senior Citizen's exemption | $129,354 (+5.99%) | $239,600 (+12.91%) Land $63,200 Building $176,400 |
| 2023 | $1,439.00 (+4.58%) Homeowner's exemption | $122,048 (+3%) | $212,200 (+12.16%) Land $57,500 Building $154,700 |
| 2022 | $1,376.00 Homeowner's exemption | $118,494 | $189,200 Land $51,800 Building $137,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| 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 |
|
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: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| 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 cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | ST. CLOUD, CITY OF (3 WPS) serves 82,752 people · EPA ID FL3491373 |
|---|---|
| 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, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 439 locations within half a mile, as of December 31, 2025
| Provider | Max 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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