Osceola County property record for 438 Illinois Ave, Saint Cloud, FL 34769 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 1992 |
| Square Footage | 1,200 sqft Heated Area |
| Lot Size | 12,197 sqft (0.28 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $175,000 (2017) |
| Tax Bill | $1,831.00 (2025) |
| Primary APN | 79532 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,200 sqft Heated Area |
| Gross Area | 1,672 sqft Gross Area |
| 1st Floor | 1,200 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Tile Flooring |
| Interior Structure | Plaster Interior Structure |
| Year Built | Built 1957 |
|---|---|
| Effective Year Built | Effective 1992 |
| Exterior Material | Concrete Block Exterior |
| Foundation Type | Pier/Post & Beam Foundation |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Roll Composition (rolled Mineral Roof) Roof |
| Lot Area | 12,197 sqft (0.28 acres) |
| Depth X Width | 150 ft x 80 ft Depth x Width |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Carport Garage |
| Carport | Carport |
| Fence | Fence |
| Porch | Open Porch |
| Porch Area | 312 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Account Number | 79532 |
|---|---|
| Street Address | 438 ILLINOIS AVE |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-2808 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LAKE FRONT ADDN PB B PG 61/62 BLK 370 S 80 FT LOT 5 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 | 2,5 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 3 |
| Census Block | 3020 |
| Census Tract | 43500 |
Source: Osceola County records · APN 79532
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 | 438 ILLINOIS AVE, SAINT CLOUD, FL 34769-2808 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Oct 03, 2025 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage PENNYMAC LOAN SERVICES LLC |
| Aug 24, 2021 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage PENNYMAC LOAN SERVICES LLC |
| Apr 11, 2017 | Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage FIDELITY FUNDING MORTGAGE CORP |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Apr 11, 2017 · Amount on Record |
| Deed Sale | Apr 11, 2017 · Amount on Record |
| Prior Sale | May 12, 1997 · Amount on Record |
| Deed Doc Number | 2017054594 |
| Deed Book / Page | 5131 / 0103 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 438 ILLINOIS AVE, SAINT CLOUD, FL 34769-2808 |
| Transaction Type | Mortgage |
| Record Updated | Oct 23, 2025 |
| Name | Verified Name |
|---|---|
| Address | 438 ILLINOIS AVE, SAINT CLOUD, FL 34769-2808 |
| Document Number | 0068580100 |
|---|---|
| Date | Oct 03, 2025 |
| Book Page | 6858/100 |
| Instrument | 2025122026 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Oct 01, 2045 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 438 ILLINOIS AVE, SAINT CLOUD, FL 34769-2808 |
| Transaction Type | Mortgage |
| Record Updated | Sep 07, 2021 |
| Name | Verified Name |
|---|---|
| Address | 438 ILLINOIS AVE, SAINT CLOUD, FL 34769-2808 |
| Document Number | 0060282212 |
|---|---|
| Date | Aug 24, 2021 |
| Book Page | 6028/2212 |
| Instrument | 2021131071 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Apr 11, 2017 |
| Property Address | 438 ILLINOIS AVE, SAINT CLOUD, FL 34769-2808 |
| Document Number | 0051310103 |
| Book / Page | 5131 / 0103 |
| Instrument Date | Mar 15, 2017 |
| Instrument | 2017054594 |
| Transaction Type | Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | PREMIER TITLE OF CTRL FL LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,225.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 20 TULA DR, 20, PORT ORANGE, FL 32129-3651 |
| Name | Verified Name |
|---|---|
| Address | 1410 BROOKSIDE AVE, KISSIMMEE, FL 34744-2740 |
| Document Number | 0051310105 |
|---|---|
| Date | Apr 11, 2017 |
| Book Page | 5131/0105 |
| Instrument | 2017054596 |
| Name | FIDELITY FUNDING MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MAITLAND, FL 32751 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 01, 2047 |
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 | $1,831.00 (+7.2%) Homeowner's exemption | $145,212 (+5.99%) | $234,300 (+9.49%) Land $55,000 Building $179,300 |
| 2023 | $1,708.00 (+4.27%) Homeowner's exemption | $137,010 (+3%) | $214,000 (+10.25%) Land $50,000 Building $164,000 |
| 2022 | $1,638.00 Homeowner's exemption | $133,020 | $194,100 Land $45,000 Building $149,100 |
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 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; lenders make the official flood determination.
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