439 Virginia Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 439 Virginia Ave, Saint Cloud, FL 34769 · Last verified June 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,920 sqft · built 1983
Lot Size	0.258 acres (11,238 sqft)
Owner	2 Individual Names on File
Last Sale	$89,400 (Jan 2020)
Tax Bill	$3,169 (2025)
Deeds & Mortgages	Nov 2023 Line of Credit Dec 2018 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`01-26-30-0001-0367-0130`

Property Details

APN / Parcel Number

Primary APN	`01-26-30-0001-0367-0130`
Alternative APNs	`263001000103670130` `79495`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,920 sqft Living Area
Gross Area	2,552 sqft
1st Floor Area	1,920 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Architectural Style	Conventional
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	11,238 sqft (0.258 acres)
Lot Dimensions	150 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	500 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	132 sqft
Shed	1 Shed
Shed Area	240 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	439 VIRGINIA AVE
City	SAINT CLOUD
State	FL
Zip	34769-2948
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GALION GARDENS PB 1 PG 140 BLK 367 N 25 FT LOT 12 & ALL LOT 13 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	367
Legal Lot Number	13
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3023
Census Tract	43500

Owner

Source: Osceola County records · APN 01-26-30-0001-0367-0130

Assessment roll updated November 26, 2025 · Last verified June 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	439 VIRGINIA AVE, SAINT CLOUD, FL 34769-2948
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 27, 2023	Deed of Trust, Mortgage · Line of Credit NEW AMERICAN FUNDING
Dec 17, 2018	Deed of Trust, Mortgage · Commercial Mortgage CENTERSTATE BANK OF FLORIDA NA
Jan 20, 2021	Deed of Trust, Mortgage · FHA Mortgage BROKER SOLUTIONS INC
Jan 15, 2020	Warranty Deed, Transfer · FHA Mortgage BROKER SOLUTIONS INC
Jan 15, 2020	Warranty Deed, Transfer LAND TITLE CORPORATION, LAND TITLE PROFESSIONALS INC
Jan 15, 2020	Warranty Deed, Transfer LAND TITLE CORPORATION, LAND TITLE PROFESSIONALS INC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jan 15, 2020 · Amount on Record
Deed Sale	Jan 15, 2020 · Amount on Record
Prior Sale	Jan 15, 2020 · Amount on Record
Deed Document Number	20207965
Deed Book / Page	5658 / 2322
Record Updated	Sep 20, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	439 VIRGINIA AVE, SAINT CLOUD, FL 34769-2948
Transaction Type	Mortgage
Record Updated	Dec 07, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	439 VIRGINIA AVE, SAINT CLOUD, FL 34769-2948

Mortgage

Document Number	0065091546
Date	Nov 27, 2023
Book Page	6509/1546
Instrument	2023154132

Lender

Name	NEW AMERICAN FUNDING
Type	Lending Institution
Address	TUSTIN, CA 92780

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	121 Months
Due	Dec 15, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	439 VIRGINIA AVE, SAINT CLOUD, FL 34769-2948
Transaction Type	Mortgage
Record Updated	Aug 01, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0054502104
Date	Dec 17, 2018
Book Page	5450/2104
Instrument	2018184347

Lender

Name	CENTERSTATE BANK OF FLORIDA NA
Type	Bank
Address	SAINT CLOUD, FL 34769

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	119 Months
Due	Nov 19, 2028

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	439 VIRGINIA AVE, SAINT CLOUD, FL 34769-2948
Transaction Type	Mortgage
Record Updated	Aug 01, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0058731661
Date	Jan 20, 2021
Book Page	5873/1661
Instrument	2021008419

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company
Address	TUSTIN, CA 92780

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Dec 01, 2050

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 15, 2020
Property Address	439 VIRGINIA AVE, SAINT CLOUD, FL 34769-2948
Document Number	0056582322
Book / Page	5658 / 2322
Map Reference	MB 1 PG 140
Instrument Date	Jan 10, 2020
Instrument	2020007965
Transaction Type	Transfer
Record Updated	Aug 01, 2022
Title Company	LAND TITLE PROFESSIONALS LLC

Transaction

Amount	Amount Recorded
Tax	$625.80
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	301 CONNECTICUT AVE, 301, SAINT CLOUD, FL 34769-2211

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	439 VIRGINIA AVE, SAINT CLOUD, FL 34769-2948

Mortgage

Document Number	0056582324
Date	Jan 15, 2020
Instrument	5658/2324

Lender

Name	BROKER SOLUTIONS INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 01, 2050

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 15, 2020
Property Address	439 VIRGINIA AVE, SAINT CLOUD, FL 34769-2948
Document Number	0056582320
Book / Page	005658 / 002320
Instrument Date	Dec 27, 2019
Instrument	7964
Transaction Type	Transfer
Record Updated	Feb 04, 2020
Title Company	LAND TITLE CORPORATION, LAND TITLE PROFESSIONALS INC

Transaction

Amount	Amount Recorded
Tax	$626.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	301 CONNECTICUT AVE ST CLOUD FL 347692211, ST CLOUD, FL 34769-2211

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 15, 2020
Property Address	439 VIRGINIA AVE, SAINT CLOUD, FL 34769-2948
Document Number	0056582318
Book / Page	005658 / 002318
Instrument Date	Dec 27, 2019
Instrument	7963
Transaction Type	Transfer
Record Updated	Feb 04, 2020
Title Company	LAND TITLE CORPORATION, LAND TITLE PROFESSIONALS INC

Transaction

Amount	Amount Recorded
Tax	$626.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	301 CONNECTICUT AVE ST CLOUD FL 347692211, ST CLOUD, FL 34769-2211

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified June 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	$3,169.00 (+3.56%) Homeowner's exemption	$219,935 (+5.99%)	$316,300 (+13.53%) Land $55,000 Building $261,300
2024	$3,060.00 (+2.75%)
2023	$2,978.00 (+3.73%) Homeowner's exemption	$207,512 (+3%)	$278,600 (+16.47%) Land $50,000 Building $228,600
2022	$2,871.00 Homeowner's exemption	$201,468	$239,200 Land $45,000 Building $194,200

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	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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 458 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
AT&T	Fixed Wireless	100 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

Nearby Properties on Virginia Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures