442 Jersey Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 442 Jersey Ave, Saint Cloud, FL 34769 · Last verified December 2025

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	2 Baths
Year Built	Built 2005
Square Footage	1,458 sqft Heated Area
Lot Size	11,326 sqft (0.26 acres)
Garage	Finished, 380 sqft
Occupancy	Owner Occupied
Tax Bill	$1,266.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`79702`
Alternative APN	`012630000103820050`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,458 sqft Heated Area
Gross Area	2,338 sqft Gross Area
1st Floor	1,458 sqft 1st Floor
Stories	1 Stories
Primary Flooring	Carpet Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 2005
Exterior Material	Concrete Block Exterior
Foundation Type	Footing Foundation
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	11,326 sqft (0.26 acres)
Depth X Width	150 ft x 75 ft Depth x Width
Parking Spaces	1 Parking Spaces
Garage Type	Finished Garage
Garage Area	380 sqft Garage

Exterior Amenities

Pool Area	240 sqft Pool
Shed	1 Shed
Shed Area	330 sqft Shed
Deck Area	352 sqft Deck
Patio Area	300 sqft Patio
Porch	1 Porch
Porch Area	500 sqft Porch

Utilities and HVAC

Cooling System	A/C Package Cooling
Heating System	HVAC Heating

Location & Zoning

Account Number	79702
Street Address	442 JERSEY AVE
City	SAINT CLOUD
State	FL
Zip	34769-2737
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	LAKE FRONT ADDN PB B PG 61-62 BLK 382 S 75 FT LOT 5 2/26/30
Legal Range	30E
Legal Township	26S
Legal Section	01
Legal Subdivision	ST CLOUD
Legal Tract	1
Legal Block	382
Legal Lot Number	2,5
Jurisdiction	OSCEOLA FL
Minor Civil Division	ST. CLOUD
Census Blockgroup	2
Census Block	2012
Census Tract	43400

Owner

Source: Osceola County records · APN 79702

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	442 JERSEY AVE, SAINT CLOUD, FL 34769-2737
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Sep 24, 2009
Deed Sale	Sep 24, 2009
Deed Doc Number	2005129682
Deed Book / Page	2799 / 1673
Prior Transfer Date	Jun 07, 2005
Prior Transfer Doc	2005129682
Record Refreshed	Jun 08, 2026

June 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OSCEOLA FL
Property Address	442 JERSEY AVE, SAINT CLOUD, FL 34769-2737
Document Number	0057331294
Instrument Date	Jun 01, 2020
Transaction Type	Mortgage
Record Updated	Jul 29, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	442 JERSEY AVE ST CLOUD FL 347692737, ST CLOUD, FL 34769-2737

Mortgage

Document Number	0057331294
Date	Jun 08, 2020
Book Page	005733/001294
Instrument	72917

Lender

Name	TRUIST BK
Address	ORLANDO, FL 32809

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 07, 2050

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

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	$1,266.00 (+9.52%) Homeowner's exemption Senior Citizen's exemption Widower's exemption	$130,254 (+5.99%)	$335,700 (+11.68%) Land $55,000 Building $280,700
2023	$1,156.00 (-1.45%) Homeowner's exemption Senior Citizen's exemption Widower's exemption	$122,898 (+3%)	$300,600 (+15.08%) Land $50,000 Building $250,600
2022	$1,173.00 Homeowner's exemption Senior Citizen's exemption Widower's exemption	$119,319	$261,200 Land $45,000 Building $216,200

Flood & Wildfire

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

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

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; lenders make the official flood determination.