425 Vermont Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 425 Vermont Ave, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,348 sqft · built 2007
Lot Size	0.219 acres (9,583 sqft)
Owner	Individual Name on File
Last Sale	$205,000 (Aug 2019)
Tax Bill	$2,733 (2025)
Deeds & Mortgages	Mar 2025 Mortgage Nov 2025 Second Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`151342`

Property Details

APN / Parcel Number

Primary APN	`151342`
Alternative APN	`012630000103820070`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,348 sqft Heated Area
Gross Area	1,850 sqft
1st Floor Area	1,348 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2007
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 63 ft wide
Garage Type	Finished
Garage Area	460 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	42 sqft
Patio Area	72 sqft
Shed	1 Shed
Shed Area	180 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	151342
Street Address	425 VERMONT AVE
City	SAINT CLOUD
State	FL
Zip	34769-2754
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR1A
Legal Description	LAKE FRONT ADDN PB B PG 61/62 BLK 382 N 62.5 FT OF LOT 7 2/26/30
Legal Range	30E
Legal Township	26S
Legal Section	01
Legal Subdivision	ST CLOUD
Legal Tract	1
Legal Block	382
Legal Lot Number	2,7
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2012
Census Tract	43400

Owner

425 Vermont Ave is owned and occupied by an individual who acquired it in November 2025.

Source: Osceola County records, as of December 11, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	425 VERMONT AVE, SAINT CLOUD, FL 34769-2754
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.

Deeds, Mortgages & Sale History

Date	Document
Mar 6, 2025	Deed of Trust, Mortgage · Unknown TRAFALGAR ENTERPRISES INC
Nov 18, 2025	Intrafamily Transfer, Transfer · Stand-Alone Second Mortgage SPRING EQ LLC
Aug 15, 2019	Warranty Deed, Transfer · FHA Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 15, 2019 · Amount on File
Deed Sale	Aug 15, 2019 · Amount on File
Prior Sale	Aug 15, 2019 · Amount on File
Deed Document Number	0055740460
Deed Book / Page	005574 / 000460
Last Transfer Date	Nov 18, 2025
Transfer Doc	0068812039
Record Updated	Jun 8, 2026

March 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	425 VERMONT AVE, SAINT CLOUD, FL 34769-2754
Transaction Type	Mortgage
Record Updated	Dec 1, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0067501191
Date	Mar 6, 2025
Book Page	6750/1191
Instrument	2025028686

Lender

Name	TRAFALGAR ENTERPRISES INC
Type	Non-Lending Institution
Address	KISSIMMEE, FL 34746

Agreement

Type	Unknown
Amount	Amount on Record

November 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Nov 18, 2025
Property Address	425 VERMONT AVE, SAINT CLOUD, FL 34769-2754
Document Number	0068812039
Book / Page	6881 / 2039
Map Reference	MB B PG 61&62
Instrument Date	Aug 28, 2025
Instrument	2025141820
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	MORTGAGE CONNECT LP

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	425 VERMONT AVE, SAINT CLOUD, FL 34769-2754

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	425 VERMONT AVE, SAINT CLOUD, FL 34769-2754

Mortgage

Document Number	0068812042
Date	Nov 18, 2025
Instrument	6881/2042

Lender

Name	SPRING EQ LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	239 Months
Due	Oct 1, 2045

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 15, 2019
Property Address	425 VERMONT AVE, SAINT CLOUD, FL 34769-2754
Document Number	0055740460
Book / Page	005574 / 000460
Instrument Date	Aug 12, 2019
Instrument	105609
Transaction Type	Transfer
Record Updated	Aug 27, 2019
Title Company	TITLE SECURITY INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,435.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	425 VERMONT AVE ST CLOUD FL 347692754, ST CLOUD, FL 34769-2754

Mortgage

Document Number	55740462
Date	Aug 15, 2019
Book Page	005574/000462
Instrument	105610

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 14, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 425 Vermont Ave was $2,733 with a homeowner's exemption.

Source: Osceola County assessment roll, as of July 1, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,733.00 Homeowner's exemption	$195,585	$297,700 Land $55,000 Building $242,700
2023	$2,564.00 (+4.44%) Homeowner's exemption	$184,537 (+3.45%)	$265,500 (+16.55%) Land $50,000 Building $215,500
2022	$2,455.00 Homeowner's exemption	$178,386	$227,800 Land $45,000 Building $182,800

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

Flood

FEMA maps place 425 Vermont Ave in Zone X, an area of minimal flood risk.

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 18 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	18 in force

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

Wildfire risk around 425 Vermont 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	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 439 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

May also be available: Hotwire Communications.

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