Osceola County property record for 420 Indiana Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 929 sqft · built 1953 |
| Lot Size | 0.169 acres (7,405 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $171,300 (Mar 2019) |
| Tax Bill | $3,878 (2025) |
| Deeds & Mortgages | Mar 2019 Sale & Mortgage Aug 2018 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 79542 |
| Primary APN | 79542 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 929 sqft Heated Area |
| Gross Area | 1,260 sqft |
| 1st Floor Area | 729 sqft |
| Flooring | Tile |
| Interior Walls | Plaster |
| Year Built | Built 1953 |
|---|---|
| Effective Year Built | Effective 1990 |
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 7,405 sqft (0.169 acres) |
| Lot Dimensions | 144 ft deep x 50 ft wide |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 1 Parking Space |
| Porch | Enclosed Porch |
|---|---|
| Porch Area | 296 sqft |
| Patio Area | 140 sqft |
| Fence | Fence |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 79542 |
|---|---|
| Street Address | 420 INDIANA AVE |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-2863 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR1A |
| Legal Description | LAKE FRONT ADDN PB B PG 61/62 BLK 371 N 50 FT LOT 3 LESS W 6 FT FOR ALLEY 2/26/30 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD |
| Legal Tract | 1 |
| Legal Block | 371 |
| Legal Lot Number | 3 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 3 |
| Census Block | 3019 |
| Census Tract | 43500 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 4325 SULLIVAN DR, SAINT CLOUD, FL 34772-7427 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 1, 2019 | Warranty Deed, Transfer · Conventional Mortgage CALIBER HM LOANS |
| Aug 17, 2018 | Warranty Deed, Transfer LAND TITLE CORPORATION |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 1, 2019 · Amount on Record |
| Deed Sale | Mar 1, 2019 · Amount on Record |
| Prior Sale | Aug 17, 2018 · Amount on Record |
| Deed Document Number | 2019026574 |
| Deed Book / Page | 5484 / 2286 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Mar 1, 2019 |
| Property Address | 420 INDIANA AVE, SAINT CLOUD, FL 34769-2863 |
| Document Number | 0054842286 |
| Book / Page | 005484 / 002286 |
| Instrument Date | Feb 28, 2019 |
| Instrument | 26574 |
| Transaction Type | Transfer |
| Record Updated | Mar 13, 2019 |
| Title Company | STEWART TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,199.10 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4325 SULLIVAN DR ST CLOUD FL 347727427, ST CLOUD, FL 34772-7427 |
| Document Number | 54842287 |
|---|---|
| Date | Mar 1, 2019 |
| Book Page | 005484/002287 |
| Instrument | 26575 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | COPPELL, TX 75019 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 28, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Aug 17, 2018 |
| Property Address | 420 INDIANA AVE, SAINT CLOUD, FL 34769-2863 |
| Document Number | 0053871754 |
| Book / Page | 005387 / 001754 |
| Instrument Date | Aug 7, 2018 |
| Instrument | 126479 |
| Transaction Type | Transfer |
| Record Updated | Sep 12, 2018 |
| Title Company | LAND TITLE CORPORATION |
| Amount | Amount Recorded |
|---|---|
| Tax | $997.50 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 420 INDIANA AVE ST CLOUD FL 347692863, ST CLOUD, FL 34769-2863 |
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 | $3,878.00 (+17.87%) | $231,500 (+14.26%) Land $46,800 Building $184,700 | $231,500 (+14.26%) Land $46,800 Building $184,700 |
| 2023 | $3,290.00 (+1%) | $202,600 (+10.23%) Land $34,000 Building $168,600 | $202,600 (+10.23%) Land $34,000 Building $168,600 |
| 2022 | $2,991.00 | $183,800 Land $30,600 Building $153,200 | $183,800 Land $30,600 Building $153,200 |
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 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.
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 | 0.02% 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 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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