421 Florida Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 421 Florida Ave, Saint Cloud, FL 34769 · Last verified December 2025

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	2 Beds
Bathrooms	2 Baths
Year Built	Built 1989
Square Footage	1,298 sqft Heated Area
Lot Size	22,651 sqft (0.519 acres)
Garage	Mixed, 400 sqft
Occupancy	Owner Occupied
Tax Bill	$2,163.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`79564`
Alternative APN	`012630000103720070`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Building Area	1,298 sqft Heated Area
Gross Area	2,445 sqft Gross Area
1st Floor	1,298 sqft 1st Floor
Stories	1 Stories
Interior Structure	Plaster Interior Structure
Fireplace	Fireplace
Fireplaces	1 Fireplaces

Exterior

Year Built	Built 1929
Effective Year Built	Effective 1989
Exterior Material	Aluminum Siding Exterior
Foundation Type	Pier/Post & Beam Foundation
Roof Construction	Gable/Hip Roof Construction
Roof Material	Metal Roof
Lot Area	22,651 sqft (0.519 acres)
Depth X Width	150 ft x 150 ft Depth x Width
Parking Spaces	2 Parking Spaces
Garage Type	Mixed Garage
Garage Area	400 sqft Garage
Porch	Finished/Screened Porch
Porch Area	429 sqft Porch

Utilities and HVAC

Cooling System	A/C Package Cooling
Heating System	HVAC Heating

Location & Zoning

Account Number	79564
Street Address	421 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 N 50 FT LOT 7 & ALL LOT 8
Legal Range	30E
Legal Township	26S
Legal Section	01
Legal Subdivision	ST CLOUD
Legal Tract	1
Legal Block	372
Legal Lot Number	7-8
Jurisdiction	OSCEOLA FL
Minor Civil Division	ST. CLOUD
Census Blockgroup	3
Census Block	3018
Census Tract	43500

Owner

Source: Osceola County records · APN 79564

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	2 Individual Names on File
Mailing Address	421 FLORIDA AVE, SAINT CLOUD, FL 34769-2856
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Sep 02, 2021
Deed Sale	Sep 02, 2021
Prior Sale	Sep 11, 2003 · Amount on Record
Deed Doc Number	2017172864
Deed Book / Page	5249 / 0387
Prior Transfer Date	Dec 06, 2017
Prior Transfer Doc	2017172864
Record Refreshed	Jun 08, 2026

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 06, 2017
Property Address	421 FLORIDA AVE, SAINT CLOUD, FL 34769-2856
Document Number	0052490387
Book / Page	005249 / 000387
Instrument Date	Dec 05, 2017
Instrument	172864
Transaction Type	Transfer
Record Updated	Jan 03, 2018
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,274.00
Amount Accuracy	Confirmed
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband And Wife
Address	421 FLORIDA AVE ST CLOUD FL 347692856, ST CLOUD, FL 34769-2856

Mortgage

Document Number	52490388
Date	Dec 06, 2017
Book Page	005249/000388
Instrument	172865

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	Veterans Administration Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 05, 2047

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Municipality	St. Cloud City
Unified School District	Osceola 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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,163.00 (+6.92%) Homeowner's exemption	$163,758 (+5.99%)	$262,000 (+11.68%) Land $71,500 Building $190,500
2023	$2,023.00 (+4.06%) Homeowner's exemption	$154,508 (+3%)	$234,600 (+15.62%) Land $65,000 Building $169,600
2022	$1,944.00 Homeowner's exemption	$150,008	$202,900 Land $58,500 Building $144,400

Flood & Wildfire

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

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

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.