Osceola County property record for 433 Virginia Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,730 sqft · built 1978 |
| Lot Size | 0.26 acres (11,326 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $220,000 (Jun 2019) |
| Tax Bill | $2,701 (2025) |
| Deeds & Mortgages | May 2022 Mortgage Jun 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 79496 |
| Primary APN | 79496 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,730 sqft Heated Area |
| Gross Area | 2,511 sqft |
| 1st Floor Area | 1,730 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1978 |
|---|---|
| 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 | Finished |
| Garage Area | 506 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 275 sqft |
| Shed | 1 Shed |
| Shed Area | 100 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 79496 |
|---|---|
| Street Address | 433 VIRGINIA AVE |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-2948 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR1A |
| Legal Description | GALION GARDENS PB 1 PG 140 BLK 367 LOT 14 & S 25 FT LOT 15 1/26/30 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD |
| Legal Tract | 1 |
| Legal Block | 367 |
| Legal Lot Number | 1,14-15 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 3 |
| Census Block | 3023 |
| 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 |
|---|---|
| Mailing Address | 433 VIRGINIA AVE, SAINT CLOUD, FL 34769-2948 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 20, 2022 | Deed of Trust, Mortgage · Conventional Mortgage THE MORTGAGE FIRM INC |
| Jun 11, 2019 | Warranty Deed, Transfer · Conventional with PMI MORTGAGE FIRM |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 11, 2019 · Amount on Record |
| Deed Sale | Jun 11, 2019 · Amount on Record |
| Deed Document Number | 2019075150 |
| Deed Book / Page | 5539 / 0313 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 433 VIRGINIA AVE, SAINT CLOUD, FL 34769-2948 |
| Transaction Type | Mortgage |
| Record Updated | Jun 2, 2022 |
| Name | Verified Name |
|---|---|
| Address | 433 VIRGINIA AVE, SAINT CLOUD, FL 34769-2948 |
| Document Number | 0062172960 |
|---|---|
| Date | May 20, 2022 |
| Book Page | 6217/2960 |
| Instrument | 2022079840 |
| Name | THE MORTGAGE FIRM INC |
|---|---|
| Type | Mortgage Company |
| Address | ALTAMONTE SPRINGS, FL 32714 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jun 11, 2019 |
| Property Address | 433 VIRGINIA AVE, SAINT CLOUD, FL 34769-2948 |
| Document Number | 0055390313 |
| Book / Page | 005539 / 000313 |
| Instrument Date | Jun 7, 2019 |
| Instrument | 75150 |
| Transaction Type | Transfer |
| Record Updated | Jun 26, 2019 |
| Title Company | LAND TITLE CORPORATION, LAND TITLE PROFESSIONALS INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,540.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 433 VIRGINIA AVE ST CLOUD FL 347692948, ST CLOUD, FL 34769-2948 |
| Document Number | 55390315 |
|---|---|
| Date | Jun 11, 2019 |
| Book Page | 005539/000315 |
| Instrument | 75151 |
| Name | MORTGAGE FIRM |
|---|---|
| Type | Mortgage Company |
| Address | ALTAMONTE SPRINGS, FL 32714 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 10, 2049 |
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 | $2,701.00 (+6.59%) Homeowner's exemption | $193,825 (+5.99%) | $304,500 (+13.53%) Land $55,000 Building $249,500 |
| 2023 | $2,534.00 (+3.85%) Homeowner's exemption | $182,877 (+3%) | $268,200 (+16.96%) Land $50,000 Building $218,200 |
| 2022 | $2,440.00 Homeowner's exemption | $177,551 | $229,300 Land $45,000 Building $184,300 |
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 | 0.03% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 384 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CenturyLink Fiber | 2,000 / 1,000 |
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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