Osceola County property record for 438 Virginia Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 986 sqft · built 1946 |
| Lot Size | 0.26 acres (11,326 sqft) |
| Owner | Individual Name on File |
| Last Sale | $330,000 (Oct 2023) |
| Tax Bill | $4,149 (2025) |
| Deeds & Mortgages | Oct 2023 Sale & Mortgage Jun 2023 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 79505 |
| Primary APN | 79505 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 986 sqft Heated Area |
| Gross Area | 2,108 sqft |
| 1st Floor Area | 986 sqft |
| Interior Walls | Plaster |
| Year Built | Built 1946 |
|---|---|
| Effective Year Built | Effective 1976 |
| 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 | Mixed |
| Garage Area | 325 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Porch |
|---|---|
| Porch Area | 386 sqft |
| Fence | Fence |
| Shed | 1 Shed |
| Shed Area | 81 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 79505 |
|---|---|
| Street Address | 438 VIRGINIA AVE |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-2949 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR1A |
| Legal Description | LAKE FRONT ADDN PB B PG 63 BLK 368 S 75 FT LOT 5 1/26/30 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD |
| Legal Tract | 1 |
| Legal Block | 368 |
| Legal Lot Number | 1,5 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 3 |
| Census Block | 3022 |
| Census Tract | 43500 |
Source: Osceola County assessment roll, as of July 1, 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 VIRGINIA AVE, SAINT CLOUD, FL 34769-2949 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 16, 2023 | Warranty Deed, Transfer · Conventional Mortgage SUNCOAST CU |
| Jun 7, 2023 | Warranty Deed, Transfer · Commercial Mortgage G&E DIAMOND INVESTMENTS LLC |
| Aug 18, 2022 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage JPMORGAN CHASE BANK NA |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Oct 16, 2023 · Amount on Record |
| Deed Sale | Oct 16, 2023 · Amount on Record |
| Prior Sale | Jun 7, 2023 · Amount on Record |
| Deed Document Number | 2023135955 |
| Deed Book / Page | 6490 / 1022 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Oct 16, 2023 |
| Property Address | 438 VIRGINIA AVE, SAINT CLOUD, FL 34769-2949 |
| Document Number | 0064901022 |
| Book / Page | 6490 / 1022 |
| Map Reference | MB B PG 61-64 |
| Instrument Date | Oct 13, 2023 |
| Instrument | 2023135955 |
| Transaction Type | Transfer |
| Record Updated | Oct 30, 2023 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NATL TTL OF FL INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,310.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4913 LOTTA CT, SAINT CLOUD, FL 34772-8770 |
| Name | Verified Name |
|---|---|
| Address | 8656 ELDER LN, ORLANDO, FL 32827-7173 |
| Document Number | 0064901024 |
|---|---|
| Date | Oct 16, 2023 |
| Instrument | 6490/1024 |
| Name | SUNCOAST CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.62% |
| Type Change Date | Jan 1, 2027 |
| Change Frequency | 3 Years |
| Min Rate At Change | 4.12% |
| Max Rate At Change | 7.12% |
| Index | 3-Year TN |
| Max Rate | 10.6% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jun 7, 2023 |
| Property Address | 438 VIRGINIA AVE, SAINT CLOUD, FL 34769-2949 |
| Document Number | 0064201226 |
| Book / Page | 6420 / 1226 |
| Map Reference | MB 8 PG 61-64 |
| Instrument Date | Jun 2, 2023 |
| Instrument | 2023072980 |
| Transaction Type | Transfer |
| Record Updated | Jun 19, 2023 |
| Title Company | LAND TITLE PROFESSIONALS LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,154.30 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 153 ACAPULCO DR, KISSIMMEE, FL 34743-6602 |
| Name | Verified Name |
|---|---|
| Address | 4913 LOTTA CT, SAINT CLOUD, FL 34772-8770 |
| Document Number | 0064201228 |
|---|---|
| Date | Jun 7, 2023 |
| Book Page | 6420/1228 |
| Instrument | 2023072981 |
| Name | G&E DIAMOND INVESTMENTS LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | SAINT CLOUD, FL 34772 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 6 Months |
| Due | Dec 2, 2023 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 438 VIRGINIA AVE, SAINT CLOUD, FL 34769-2949 |
| Transaction Type | Mortgage |
| Record Updated | Sep 1, 2022 |
| Name | Verified Name |
|---|---|
| Address | 438 VIRGINIA AVE, SAINT CLOUD, FL 34769-2949 |
| Document Number | 0062711624 |
|---|---|
| Date | Aug 18, 2022 |
| Book Page | 6271/1624 |
| Instrument | 2022127243 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | MONROE, LA 71203 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 212 Months |
| Due | Apr 1, 2040 |
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 | $4,149.00 (+788.44%) Homeowner's exemption | $274,700 (+299.09%) Land $55,000 Building $219,700 | $274,700 (+55.46%) Land $55,000 Building $219,700 |
| 2023 | $467.00 (-13.2%) Homeowner's exemption Widower's exemption | $68,832 (+3%) | $176,700 (+13.71%) Land $50,000 Building $126,700 |
| 2022 | $538.00 Homeowner's exemption Widower's exemption | $66,828 | $155,400 Land $45,000 Building $110,400 |
Assessed value is set for property tax purposes, not a market price estimate; it is 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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