Osceola County property record for 424 Oregon Ave, Saint Cloud, FL 34769 · Last verified December 2025
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,804 sqft · built 1981 |
| Lot Size | 0.219 acres (9,583 sqft) |
| Owner | Individual Name on File |
| Last Sale | $190,000 (Mar 2020) |
| Tax Bill | $2,535 (2025) |
| Deeds & Mortgages | Oct 2021 Mortgage Mar 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 79434 |
| Primary APN | 79434 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,804 sqft Heated Area |
| Gross Area | 1,848 sqft |
| 1st Floor Area | 1,314 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1981 |
|---|---|
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 9,583 sqft (0.219 acres) |
| Lot Dimensions | 150 ft deep x 62.5 ft wide |
| Porch | Enclosed Porch |
|---|---|
| Porch Area | 534 sqft |
| Patio Area | 150 sqft |
| Shed | 1 Shed |
| Shed Area | 120 sqft |
| Heating System | Forced Air |
|---|
| Account Number | 79434 |
|---|---|
| Street Address | 424 OREGON AVE |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-3070 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | GALION GARDEN PB 1 PG 140 BLK 363 LOTS 6 & 7 LESS S 37.5 FT LOT 7 1-26-30 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD |
| Legal Tract | 1 |
| Legal Block | 363 |
| Legal Lot Number | 1,6-7 1 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 5 |
| Census Block | 5025 |
| Census Tract | 43500 |
Source: Osceola County records · APN 79434
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 | 424 OREGON AVE, SAINT CLOUD, FL 34769-3070 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 21, 2021 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| Mar 23, 2020 | Warranty Deed, Transfer · Conventional Mortgage CHRISTENSEN FINANCIAL INC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Mar 23, 2020 · Amount on Record |
| Deed Sale | Mar 23, 2020 · Amount on Record |
| Deed Document Number | 2020041420 |
| Deed Book / Page | 5697 / 55 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 424 OREGON AVE, SAINT CLOUD, FL 34769-3070 |
| Transaction Type | Mortgage |
| Record Updated | Nov 09, 2021 |
| Name | Verified Name |
|---|---|
| Address | 424 OREGON AVE, SAINT CLOUD, FL 34769-3070 |
| Document Number | 0060692944 |
|---|---|
| Date | Oct 21, 2021 |
| Book Page | 6069/2944 |
| Instrument | 2021164039 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Mar 23, 2020 |
| Property Address | 424 OREGON AVE, SAINT CLOUD, FL 34769-3070 |
| Document Number | 0056970055 |
| Book / Page | 5697 / 55 |
| Map Reference | MB 1 PG 140 |
| Instrument Date | Mar 12, 2020 |
| Instrument | 2020041420 |
| Transaction Type | Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | LAND TITLE PROFESSIONALS LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,330.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 31 EXECUTIVE PARK DR # DR305, 31, HENDERSONVILLE, TN 37075-3463 |
| Name | Verified Name |
|---|---|
| Address | 424 OREGON AVE, SAINT CLOUD, FL 34769-3070 |
| Document Number | 0056970057 |
|---|---|
| Date | Mar 23, 2020 |
| Instrument | 5697/0057 |
| Name | CHRISTENSEN FINANCIAL INC |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2050 |
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 | $2,535.00 (+6.69%) Homeowner's exemption | $184,502 (+5.99%) | $265,700 (+13.45%) Land $55,000 Building $210,700 |
| 2023 | $2,376.00 (+3.94%) Homeowner's exemption | $174,081 (+3%) | $234,200 (+16.87%) Land $50,000 Building $184,200 |
| 2022 | $2,286.00 Homeowner's exemption | $169,011 | $200,400 Land $45,000 Building $155,400 |
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 | Low above 34% of the US · above 8% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 3,333 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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