436 Virginia Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 436 Virginia Ave, Saint Cloud, FL 34769 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,028 sqft · built 1977
Lot Size	0.215 acres (9,365 sqft)
Owner	2 Individual Names on File
Last Sale	$174,900 (Mar 2018)
Tax Bill	$2,339 (2025)
Deeds & Mortgages	Mar 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-26-30-0001-0368-0045`

Property Details

APN / Parcel Number

Primary APN	`01-26-30-0001-0368-0045`
Alternative APNs	`263001000103680045` `79504`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,028 sqft Living Area
Gross Area	1,488 sqft
1st Floor Area	1,028 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1977
Effective Year Built	Effective 2002
Architectural Style	L-Shape
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,365 sqft (0.215 acres)
Lot Dimensions	150 ft deep x 62.5 ft wide
Garage Type	Attached
Garage Area	280 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	136 sqft
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	436 VIRGINIA AVE
City	SAINT CLOUD
State	FL
Zip	34769-2949
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LAKE FRONT ADDN PB B PG 63 BLK 368 S 37.5 FT LOT 4 & N 25 FT LOT 5 1/26/30
Legal Range	30E
Legal Township	26S
Legal Section	01
Legal Subdivision	ST CLOUD 2ND PLAT TOWN OF
Legal Tract	1
Legal Block	368
Legal Lot Number	45
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3022
Census Tract	43500

Owner

Source: Osceola County records · APN 01-26-30-0001-0368-0045

Assessment roll updated November 26, 2025 · Last verified April 2026

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	436 VIRGINIA AVE, SAINT CLOUD, FL 34769-2949
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 05, 2018 · Amount on Record
Deed Sale	Mar 05, 2018 · Amount on Record
Prior Sale	Nov 14, 2016 · Amount on Record
Deed Document Number	201837336
Deed Book / Page	5296 / 922
Prior Transfer Date	Dec 15, 2009
Prior Transfer Doc	0039332960
Record Updated	Jun 08, 2026

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 05, 2018
Property Address	436 VIRGINIA AVE, SAINT CLOUD, FL 34769-2949
Document Number	0052960922
Book / Page	5296 / 0922
Map Reference	MB B PG61-64
Instrument Date	Mar 05, 2018
Instrument	2018037336
Transaction Type	Transfer
Record Updated	Feb 08, 2022
Title Company	A CLEAR CHOICE TITLE & ESCRO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,224.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1105 DEAN ST, 1105, SAINT CLOUD, FL 34771-4813

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	436 VIRGINIA AVE, SAINT CLOUD, FL 34769-2949

Mortgage

Document Number	2018037337
Date	Mar 05, 2018
Instrument	2018037337

Lender

Name	INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 01, 2048

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 2026

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	$2,339.00 (+3.73%) Homeowner's exemption	$173,555 (+5.99%)	$289,000 (+9.76%) Land $55,000 Building $234,000
2024	$2,255.00 (+2.97%)
2023	$2,190.00 (+4.04%) Homeowner's exemption	$163,752 (+3%)	$263,300 (+10.49%) Land $50,000 Building $213,300
2022	$2,105.00 Homeowner's exemption	$158,983	$238,300 Land $45,000 Building $193,300

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970435003, refreshed September 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
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 40 individual NFIP policies nearby
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, river or lake flooding, Hurricane Ian

Wildfire

Wildfire Risk	Low above 32% of the US · above 8% of Florida
Wildfire Likelihood	About 1 in 2,941 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 330 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Lumen Technologies	Fiber	8,000 / 8,000
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

Availability varies by address; speeds are provider-advertised maximums, not measured.