Osceola County property record for 415 Florida Ave, Saint Cloud, FL 34769 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 1985 |
| Square Footage | 1,365 sqft Heated Area |
| Lot Size | 7,405 sqft (0.169 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $294,300 (2025) |
| Tax Bill | $3,484.00 (2025) |
| Primary APN | 79565 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Partial Baths | 1 Partial Baths |
| Building Area | 1,365 sqft Heated Area |
| Gross Area | 1,689 sqft Gross Area |
| 1st Floor | 1,026 sqft 1st Floor |
| Stories | 1 Stories |
| Interior Structure | Plaster Interior Structure |
| Year Built | Built 1925 |
|---|---|
| Effective Year Built | Effective 1985 |
| Exterior Material | Stucco Exterior |
| Construction Type | Frame Construction |
| Foundation Type | Footing Foundation |
| Roof Construction | Flat Roof Construction |
| Roof Material | Roll Composition (rolled Mineral Roof) Roof |
| Lot Area | 7,405 sqft (0.169 acres) |
| Depth X Width | 150 ft x 50 ft Depth x Width |
| Parking Spaces | 1 Parking Spaces |
| Garage Type | Detached - Unfinished Garage |
| Garage Area | 252 sqft Garage |
| Fence | Fence |
|---|---|
| Shed | 1 Shed |
| Shed Area | 252 sqft Shed |
| Porch | Enclosed Porch |
| Porch Area | 411 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Account Number | 79565 |
|---|---|
| Street Address | 415 FLORIDA AVE |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-2856 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LAKE FRONT ADDN PB B PG 61/62 BLK 372 S 50 FT LOT 9 2/26/30 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD |
| Legal Tract | 1 |
| Legal Block | 372 |
| Legal Lot Number | 2,9 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 3 |
| Census Block | 3018 |
| Census Tract | 43500 |
Source: Osceola County records · APN 79565
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 | 415 FLORIDA AVE, SAINT CLOUD, FL 34769-2856 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jul 10, 2017 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage ROYAL UNITED MORTGAGE LLC |
| Sep 24, 2021 | Warranty Deed, Transfer · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jul 08, 2025 · Amount on Record |
| Deed Sale | Jul 08, 2025 · Amount on Record |
| Prior Sale | Sep 24, 2021 · Amount on Record |
| Deed Doc Number | 2025084280 |
| Deed Book / Page | 6815 / 158 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 415 FLORIDA AVE, SAINT CLOUD, FL 34769-2856 |
| Transaction Type | Mortgage |
| Record Updated | Aug 01, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0051762946 |
|---|---|
| Date | Jul 10, 2017 |
| Book Page | 5176/2946 |
| Instrument | 2017100221 |
| Name | ROYAL UNITED MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | INDIANAPOLIS, IN 46250 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 01, 2047 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Sep 24, 2021 |
| Property Address | 415 FLORIDA AVE, SAINT CLOUD, FL 34769-2856 |
| Document Number | 0060502528 |
| Book / Page | 6050 / 2528 |
| Map Reference | MB B PG 61-64 |
| Instrument Date | Sep 22, 2021 |
| Instrument | 2021148571 |
| Transaction Type | Transfer |
| Record Updated | Aug 01, 2022 |
| Title Company | LAND TITLE CORPORATION, LAND TITLE PROFESSIONALS LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,729.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 415 FLORIDA AVE, 415, SAINT CLOUD, FL 34769-2856 |
| Name | Verified Name |
|---|---|
| Address | 415 FLORIDA AVE, SAINT CLOUD, FL 34769-2856 |
| Document Number | 0060502530 |
|---|---|
| Date | Sep 24, 2021 |
| Instrument | 6050/2530 |
| Name | ATLANTIC BAY MORTGAGE GROUP LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2051 |
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 | $3,484.00 (+6.32%) Homeowner's exemption | $237,545 (+5.99%) | $266,700 (+9.66%) Land $46,800 Building $219,900 |
| 2023 | $3,277.00 (+3.64%) Homeowner's exemption | $224,128 (+3%) | $243,200 (+11.76%) Land $42,500 Building $200,700 |
| 2022 | $3,162.00 Homeowner's exemption | $217,600 Land $35,100 Building $182,500 | $217,600 Land $35,100 Building $182,500 |
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 | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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