Osceola County property record for 419 Indiana Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,196 sqft · built 1958 |
| Lot Size | 0.275 acres (11,979 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $360,500 (Oct 2022) |
| Tax Bill | $4,603 (2025) |
| Deeds & Mortgages | Oct 2022 Sale & Mortgage Aug 2021 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-26-30-0001-0370-0080 |
| Primary APN | 01-26-30-0001-0370-0080 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,196 sqft Living Area |
| Gross Area | 2,286 sqft |
| 1st Floor Area | 1,392 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Year Built | Built 1958 |
|---|---|
| Effective Year Built | Effective 1970 |
| Architectural Style | Custom Design |
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 11,979 sqft (0.275 acres) |
| Lot Dimensions | 150 ft deep x 80 ft wide |
| Pool Type | In-Ground Pool |
|---|---|
| Pool Area | 512 sqft |
| Porch | Florida Room |
| Porch Area | 894 sqft |
| Deck Area | 500 sqft |
| Patio Area | 500 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 419 INDIANA AVE |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-2862 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR1A |
| Legal Description | LAKE FRONT ADDN PB B PG 61/62 BLK 370 S 60 FT LOT 8 & N 20 FT LOT 7 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 | 370 |
| Legal Lot Number | 8 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 3 |
| Census Block | 3020 |
| Census Tract | 43500 |
419 Indiana Ave is owned and occupied by two individuals who bought it in October 2022.
Source: Osceola County records, as of May 26, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 419 INDIANA AVE, SAINT CLOUD, FL 34769-2862 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Oct 21, 2022 | Warranty Deed, Transfer · VA Mortgage WATERSTONE MORTGAGE CORP |
| Aug 27, 2021 | Warranty Deed, Transfer · Conventional Mortgage THE MORTGAGE FIRM INC |
| Jan 28, 2021 | Warranty Deed, Transfer · Commercial Mortgage DOMINION FINANCIAL SERVICES LLC |
| Dec 2, 2020 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 21, 2022 · Amount on File |
| Deed Sale | Oct 21, 2022 · Amount on File |
| Prior Sale | Aug 27, 2021 · Amount on File |
| Deed Document Number | 2022156122 |
| Deed Book / Page | 6303 / 2729 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Oct 21, 2022 |
| Property Address | 419 INDIANA AVE, SAINT CLOUD, FL 34769-2862 |
| Document Number | 0063032729 |
| Book / Page | 6303 / 2729 |
| Map Reference | MB B PG 61&62 |
| Instrument Date | Oct 13, 2022 |
| Instrument | 2022156122 |
| Transaction Type | Transfer |
| Record Updated | Nov 9, 2022 |
| Title Company | ALL FLORIDA TITLE AGENCY, ALL FLORIDA TITLE |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,523.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1560 LAKE PARKWAY DR, 1560, SAINT CLOUD, FL 34771-8893 |
| Name | Verified Name |
|---|---|
| Address | 419 INDIANA AVE, SAINT CLOUD, FL 34769-2862 |
| Document Number | 0063032731 |
|---|---|
| Date | Oct 21, 2022 |
| Instrument | 6303/2731 |
| Name | WATERSTONE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Aug 27, 2021 |
| Property Address | 419 INDIANA AVE, SAINT CLOUD, FL 34769-2862 |
| Document Number | 0060310873 |
| Book / Page | 6031 / 873 |
| Map Reference | MB B PG 61-64 |
| Instrument Date | Aug 24, 2021 |
| Instrument | 2021133325 |
| Transaction Type | Transfer |
| Record Updated | Aug 1, 2022 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NATL TTL OF FL INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,135.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 12842 FORESTEDGE CIR, 12842, ORLANDO, FL 32828-8611 |
| Name | Verified Name |
|---|---|
| Address | 419 INDIANA AVE, SAINT CLOUD, FL 34769-2862 |
| Document Number | 0006031875 |
|---|---|
| Date | Aug 27, 2021 |
| Instrument | 6031/875 |
| Name | THE MORTGAGE FIRM INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jan 28, 2021 |
| Property Address | 419 INDIANA AVE, SAINT CLOUD, FL 34769-2862 |
| Document Number | 0058790839 |
| Book / Page | 5879 / 839 |
| Map Reference | MB B PG 61-64 |
| Instrument Date | Jan 22, 2021 |
| Instrument | 2021012571 |
| Transaction Type | Transfer |
| Record Updated | Jul 11, 2023 |
| Title Company | LEADING EDGE TITLE PARTNERS/CTRL F, LEADING EDGE TTL OF CTRL FL |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $980.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2245 BARBARA DR, SAINT CLOUD, FL 34771-8828 |
| Name | Verified Name |
|---|---|
| Address | 12842 FORESTEDGE CIR, ORLANDO, FL 32828-8611 |
| Document Number | 0005879841 |
|---|---|
| Date | Jan 28, 2021 |
| Instrument | 5879/841 |
| Name | DOMINION FINANCIAL SERVICES LLC |
|---|---|
| Type | Funding / Finance Company |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Dec 2, 2020 |
| Property Address | 419 INDIANA AVE, SAINT CLOUD, FL 34769-2862 |
| Document Number | 0058430093 |
| Book / Page | 005843 / 000093 |
| Instrument Date | Nov 23, 2020 |
| Instrument | 163475 |
| Transaction Type | Transfer |
| Record Updated | Dec 16, 2020 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 419 INDIANA AVE ST CLOUD FL 347692862, ST CLOUD, FL 34769-2862 |
The 2025 property tax bill for 419 Indiana Ave was $4,603 with exemptions applied, up 3.4% from the year before.
Source: Osceola County assessment roll, as of November 26, 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 | $4,603.00 (+3.44%) Homeowner's exemption Veteran's exemption | $304,824 | $325,900 Land $55,000 Building $270,900 |
| 2024 | $4,450.00 (+2.58%) | ||
| 2023 | $4,338.00 (-3.15%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $287,800 (+16%) Land $50,000 Building $237,800 | $287,800 (+16%) Land $50,000 Building $237,800 |
| 2022 | $4,479.00 | $248,100 Land $45,000 Building $203,100 | $248,100 Land $45,000 Building $203,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 419 Indiana Ave in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1995.
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 File 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 |
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.
Wildfire risk around 419 Indiana Ave is low, with a 0.03% annual chance of wildfire.
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 | Direct burnable vegetation |
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 330 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 |
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