Osceola County property record for 426 Illinois Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,532 sqft · built 1965 |
| Lot Size | 0.26 acres (11,326 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $320,000 (Oct 2025) |
| Tax Bill | $597 (2025) |
| Deeds & Mortgages | Oct 2025 Sale Apr 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 79530 |
| Primary APN | 79530 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,532 sqft Heated Area |
| Gross Area | 1,904 sqft |
| 1st Floor Area | 1,364 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Year Built | Built 1965 |
|---|---|
| Effective Year Built | Effective 1975 |
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 11,326 sqft (0.26 acres) |
| Lot Dimensions | 150 ft deep x 75 ft wide |
| Garage Type | Carport |
| Carport | Carport |
| Porch | Enclosed Porch |
|---|---|
| Porch Area | 228 sqft |
| Patio Area | 144 sqft |
| Fence | Fence |
| Shed | 1 Shed |
| Shed Area | 80 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 79530 |
|---|---|
| Street Address | 426 ILLINOIS AVE |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-2808 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR1A |
| Legal Description | LAKE FRONT ADD PB B PG 61/62 BLK 370 S 30 FT LOT 3 & N 45 FT LOT 4 2/26/30 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD |
| Legal Tract | 1 |
| Legal Block | 370 |
| Legal Lot Number | 2-4 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 3 |
| Census Block | 3020 |
| 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 | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 426 ILLINOIS AVE, SAINT CLOUD, FL 34769-2808 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 14, 2025 | Warranty Deed, Transfer FREEDOM TITLE |
| Apr 10, 2018 | Deed of Trust, Mortgage · Commercial Mortgage SUNTRUST BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 14, 2025 · Amount on Record |
| Deed Sale | Oct 14, 2025 · Amount on Record |
| Prior Sale | Jun 11, 2009 · Amount on Record |
| Deed Document Number | 2025127198 |
| Deed Book / Page | 6864 / 886 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Oct 14, 2025 |
| Property Address | 426 ILLINOIS AVE, SAINT CLOUD, FL 34769-2808 |
| Document Number | 0068640886 |
| Book / Page | 6864 / 886 |
| Map Reference | MB B PG 61-64 |
| Instrument Date | Oct 4, 2025 |
| Instrument | 2025127198 |
| Transaction Type | Transfer |
| Record Updated | Oct 23, 2025 |
| Title Company | FREEDOM TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $2,240.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 549 NEPTUNE BAY CIR UNIT 2, 2, SAINT CLOUD, FL 34769-7059 |
| Name | Verified Name |
|---|---|
| Address | 426 ILLINOIS AVE, SAINT CLOUD, FL 34769-2808 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 426 ILLINOIS AVE, SAINT CLOUD, FL 34769-2808 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | AMERICAN TITLE INC |
| Name | Verified Name |
|---|
| Document Number | 0053140725 |
|---|---|
| Date | Apr 10, 2018 |
| Book Page | 5314/0725 |
| Instrument | 2018055688 |
| Name | SUNTRUST BANK |
|---|---|
| Type | Bank |
| Address | ORLANDO, FL 32809 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | $597.00 (+5.66%) Homeowner's exemption Disabled Person's exemption | $81,261 (+2.9%) | $232,700 (+2.11%) Land $55,000 Building $177,700 |
| 2024 | $565.00 (+6.4%) Homeowner's exemption Disabled Person's exemption | $78,971 (+3%) | $227,900 (+10.68%) Land $55,000 Building $172,900 |
| 2023 | $531.00 (-8.45%) Homeowner's exemption Disabled Person's exemption | $76,671 (+3%) | $205,900 (+12.7%) Land $50,000 Building $155,900 |
| 2022 | $580.00 Homeowner's exemption Disabled Person's exemption | $74,438 | $182,700 Land $45,000 Building $137,700 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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 | 0.03% annual chance |
| Exposure | Direct burnable vegetation |
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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