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420 Florida Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 420 Florida Ave, Saint Cloud, FL 34769 · Last verified April 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,715 sqft · built 1925
Lot Size0.344 acres (14,984 sqft)
Owner2 Individual Names on File
Last Sale$355,000 (Oct 2022)
Tax Bill$6,406 (2025)
Deeds & MortgagesOct 2022 Sale & Mortgage
Dec 2017 Sale & Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN01-26-30-0001-0373-0030

Property Details

APN / Parcel Number

Primary APN01-26-30-0001-0373-0030
Alternative APNs
  • 263001000103730030
  • 79571

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,715 sqft Living Area
Gross Area1,827 sqft
1st Floor Area1,461 sqft
FlooringWood
Interior WallsPlaster

Exterior

Year BuiltBuilt 1925
Effective Year BuiltEffective 1995
Exterior MaterialAluminum Siding
Construction TypeFrame
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area14,984 sqft (0.344 acres)
Lot Dimensions150 ft deep x 100 ft wide
Garage Area428 sqft
Parking Spaces4 Parking Spaces
PorchFlorida Room
Porch Area366 sqft

Utilities, Heating & Cooling

Cooling SystemWall Unit
Heating SystemCentral

Location & Zoning

Street Address420 FLORIDA AVE
CitySAINT CLOUD
StateFL
Zip34769-2857
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLAKE FRONT ADDN PB B PG 61/62 BLK 373 LOT 3 2/26/30
Legal Range30E
Legal Township26S
Legal Section01
Legal SubdivisionST CLOUD 2ND PLAT TOWN OF
Legal Tract1
Legal Block373
Legal Lot Number3
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1018
Census Tract43500

Owner

Source: Osceola County records · APN 01-26-30-0001-0373-0030

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 Record2 Individual Names on File
Mailing Address3804 36TH ST SE, DELANO, MN 55328-5201
Owner TypeIndividual
VestingLife Estate

Deeds, Mortgages & Sale History

DateDocument
Oct 12, 2022Warranty Deed, Transfer · Stand-Alone First Mortgage
SHARON RUFF
Dec 14, 2017Warranty Deed, Transfer · FHA Mortgage
EMBRACE HOME LOANS INC
Jun 09, 2017Warranty Deed, Transfer
STEWART TITLE

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleOct 12, 2022 · Amount on Record
Deed SaleOct 12, 2022 · Amount on Record
Prior SaleDec 14, 2017 · Amount on Record
Deed Document Number2022151531
Deed Book / Page6298 / 1508
Last Transfer DateApr 22, 2024
Transfer Doc0065922490
Record UpdatedJun 08, 2026

October 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateOct 12, 2022
Property Address420 FLORIDA AVE, SAINT CLOUD, FL 34769-2857
Document Number0062981508
Book / Page6298 / 1508
Map ReferenceMB B PG 61
Instrument DateOct 06, 2022
Instrument2022151531
Transaction TypeTransfer
Record UpdatedOct 25, 2022
Title CompanyELEVATED TITLE LLC, ELEVATED TITLE GROUP LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,485.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1100 JERSEY AVE, 1100, SAINT CLOUD, FL 34769-3621

Transferred To (Grantee/Buyer)

NameVerified Name
Address3804 36TH ST SE, DELANO, MN 55328-5201

Mortgage

Document Number0062981510
DateOct 12, 2022
Instrument6298/1510
Lender
NameSHARON RUFF
TypePrivate Party
Agreement
TypeStand-Alone First Mortgage
AmountAmount Recorded
Term120 Months
DueOct 06, 2032

December 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateDec 14, 2017
Property Address420 FLORIDA AVE, SAINT CLOUD, FL 34769-2857
Document Number0052540492
Book / Page5254 / 0492
Map ReferenceMB B PG61-64
Instrument DateDec 14, 2017
Instrument2017177932
Transaction TypeTransfer
Record UpdatedFeb 08, 2022
Title CompanySTEWART TITLE CO

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,519.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
AddressFL 00000

Transferred To (Grantee/Buyer)

NameVerified Name
Address420 FLORIDA AVE, SAINT CLOUD, FL 34769-2857

Mortgage

Document Number2017177933
DateDec 14, 2017
Instrument2017177933
Lender
NameEMBRACE HOME LOANS INC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueJan 01, 2048

June 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateJun 09, 2017
Property Address420 FLORIDA AVE, SAINT CLOUD, FL 34769-2857
Document Number0051611409
Book / Page005161 / 001409
Instrument DateJun 06, 2017
Instrument84202
Transaction TypeTransfer
Record UpdatedJul 17, 2017
Title CompanySTEWART TITLE

Transaction

AmountAmount Recorded
Tax$1,225.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address420 FLORIDA AVE ST CLOUD FL 347692857, ST CLOUD, FL 34769-2857

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 2026

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2025$6,406.00 (+2.43%)$357,700 (+10.85%) Land $63,200 Building $294,500$357,700 (+10.85%) Land $63,200 Building $294,500
2024$6,254.00 (+7.55%)
2023$5,815.00 (+110.54%)$322,700 (+65.13%) Land $57,500 Building $265,200$322,700 (+1.99%) Land $57,500 Building $265,200
2022$2,762.00 Homeowner's exemption$195,427$316,400 Land $51,800 Building $264,600

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970435001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 17 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies17 in force
14 of 17 on primary residences
Nearby Flood Claims1 (1994)
Claims Outside the SFHA1 of 1
Most Recent ClaimNov 1994, rainfall accumulation

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
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.

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