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445 Virginia Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 445 Virginia Ave, Saint Cloud, FL 34769 · Last verified July 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms2 Baths
Year BuiltBuilt 1991
Square Footage1,652 sqft Living Area
Lot Size11,238 sqft (0.258 acres)
OccupancyOwner Occupied
Last Sale$327,000 (2021)
Tax Bill$5,450.00 (2025)

Property Details

APN / Parcel Number

Primary APN01-26-30-0001-0367-0110
Alternative APNs
  • 263001000103670110
  • 79494

Interior

Bedrooms3 Beds
Full Baths2 Baths
Building Area1,652 sqft Living Area
Gross Area2,486 sqft Gross Area
1st Floor1,652 sqft 1st Floor
Stories1 Stories
Primary FlooringWood Flooring
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 1981
Effective Year BuiltEffective 1991
Architectural StyleConventional Style
Exterior MaterialConcrete Block Exterior
Construction TypeMasonry/Concrete Masonry Units (CMUs) Construction
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area11,238 sqft (0.258 acres)
Depth X Width150 ft x 75 ft Depth x Width
Parking Spaces2 Parking Spaces
Garage TypeAttached Garage
Garage Area600 sqft Garage

Exterior Amenities

Pool TypeIn-Ground Pool Pool Type
Pool Area578 sqft Pool
Shed1 Shed
Shed Area60 sqft Shed
Deck Area472 sqft Deck
Porch Area454 sqft Porch

Utilities and HVAC

Cooling SystemA/C Package Cooling
Heating SystemHVAC Heating

Location & Zoning

Street Address445 VIRGINIA AVE
CitySAINT CLOUD
StateFL
Zip34769-2948
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionGALION GARDENS PB 1 PG 140 BLK 367 LOT 11 & S 25 FT LOT 12 1/26/30
Legal Range30E
Legal Township26S
Legal Section01
Legal SubdivisionST CLOUD 2ND PLAT TOWN OF
Legal Tract1
Legal Block367
Legal Lot Number11
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup3
Census Block3023
Census Tract43500

Owner

Source: Osceola County records · APN 01-26-30-0001-0367-0110

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Mailing Address445 VIRGINIA AVE, SAINT CLOUD, FL 34769-2948
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity
VestingSingle Woman

Deeds, Mortgages & Sale History

DateDocument
Jun 19, 2026Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage
SECRETARY OF HOUSING AND URBAN DEVELOPMEN
Feb 06, 2026Intrafamily Transfer, Transfer
Sep 01, 2021Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage
EQUITY PRIME MORTGAGE LLC
Feb 18, 2021Deed of Trust, Mortgage · Veterans Administration Mortgage
FREEDOM MORTGAGE CORP
Jun 17, 2019Deed of Trust, Mortgage · Veterans Administration Mortgage
AMERICAN FINANCIAL NETWORK INC
Mar 13, 2020Deed of Trust, Mortgage · Veterans Administration Mortgage
FREEDOM MORTGAGE CORP
Jun 04, 2019Quit Claim Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleSep 01, 2021 · Amount on Record
Deed SaleSep 01, 2021 · Amount on Record
Prior SaleJul 01, 2016 · Amount on Record
Deed Doc Number2021135916
Deed Book / Page6034 / 2106
Last Transfer DateFeb 06, 2026
Transfer Doc0069182524
Record RefreshedSep 20, 2026

June 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Recording DateJun 19, 2026
Property Address445 VIRGINIA AVE, SAINT CLOUD, FL 34769-2948
Document Number0000080971
Book / Page6991 / 112
Instrument DateApr 17, 2026
Instrument202680971
Transaction TypeMortgage
Record UpdatedJul 12, 2026
Title CompanyMORTGAGE CONNECT

Transferred To (Grantee/Buyer)

NameVerified Name
Address445 VIRGINIA AVE, SAINT CLOUD, FL 34769-2948

Mortgage

Document Number0000080971,
DateJun 19, 2026
Book Page6991/112
Instrument202680971
Lender
NameSECRETARY OF HOUSING AND URBAN DEVELOPMEN
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term303 Months
DueSep 01, 2051
Interest
Rate6.22%
Max Rate-1%

February 2026: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionOSCEOLA FL
Recording DateFeb 06, 2026
Property Address445 VIRGINIA AVE, SAINT CLOUD, FL 34769-2948
Document Number0069182524
Book / Page6918 / 2524
Map ReferenceMB 1 PG 140
Instrument DateFeb 06, 2026
Instrument2026016497
Transaction TypeTransfer
Record UpdatedFeb 18, 2026

Transaction

Tax$0.00
Amount AccuracyZero or No Consideration Stated
Additional
  • Interfamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address445 VIRGINIA AVE, SAINT CLOUD, FL 34769-2948

Transferred To (Grantee/Buyer)

NameVerified Name
Address445 VIRGINIA AVE, SAINT CLOUD, FL 34769-2948

September 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateSep 01, 2021
Property Address445 VIRGINIA AVE, SAINT CLOUD, FL 34769-2948
Document Number0060342106
Book / Page6034 / 2106
Map ReferenceMB 1 PG 140
Instrument DateAug 30, 2021
Instrument2021135916
Transaction TypeTransfer
Record UpdatedSep 15, 2021
Title CompanySTEWART TITLE COMPANY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,289.00
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address812 11TH ST, 812, SAINT CLOUD, FL 34769-3854

Transferred To (Grantee/Buyer)

NameVerified Name
Address445 VIRGINIA AVE, SAINT CLOUD, FL 34769-2948

Mortgage

Document Number0060342107
DateSep 01, 2021
Book Page6034/2107
Instrument2021135917
Lender
NameEQUITY PRIME MORTGAGE LLC
TypeMortgage Company
AddressATLANTA, GA 30328
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term360 Months
DueSep 01, 2051

February 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address445 VIRGINIA AVE, SAINT CLOUD, FL 34769-2948
Transaction TypeMortgage
Record UpdatedMar 18, 2021

Transferred To (Grantee/Buyer)

NameVerified Name
Address445 VIRGINIA AVE, SAINT CLOUD, FL 34769-2948

Mortgage

Document Number0058940723
DateFeb 18, 2021
Book Page5894/723
Instrument2021024050
Lender
NameFREEDOM MORTGAGE CORP
TypeSubprime Lender
AddressMOUNT LAUREL, NJ 08054
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term350 Months
DueApr 01, 2050

June 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address445 VIRGINIA AVE, SAINT CLOUD, FL 34769-2948
Transaction TypeMortgage
Record UpdatedFeb 07, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0055420127
DateJun 17, 2019
Book Page5542/0127
Instrument2019077597
Lender
NameAMERICAN FINANCIAL NETWORK INC
TypeFunding / Finance Company
AddressBREA, CA 92821
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term300 Months
DueJun 01, 2044

March 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address445 VIRGINIA AVE, SAINT CLOUD, FL 34769-2948
Transaction TypeMortgage
Record UpdatedFeb 05, 2021
Title CompanyPOWERHOUSE TITLE GROUP LLC

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0056912963
DateMar 13, 2020
Book Page5691/2963
Instrument2020037016
Lender
NameFREEDOM MORTGAGE CORP
TypeSubprime Lender
AddressMOUNT LAUREL, NJ 08054
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term360 Months
DueMar 01, 2050

June 2019: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionOSCEOLA FL
Recording DateJun 04, 2019
Property Address445 VIRGINIA AVE, SAINT CLOUD, FL 34769-2948
Document Number0055342781
Book / Page005534 / 002781
Instrument DateMay 16, 2019
Instrument71504
Transaction TypeTransfer
Record UpdatedJun 20, 2019
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Tax$0.70
Additional
  • Quitclaim Document
  • Interfamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address445 VIRGINIA AVE ST CLOUD FL 347692948, ST CLOUD, FL 34769-2948

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola 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.

YearTax BillAssessed ValueAssessed Market Value
2025$5,450.00 (+3.42%) Homeowner's exemption$347,367 (+5.99%)$383,900 (+10.03%) Land $55,000 Building $328,900
2024$5,270.00 (+2.47%)
2023$5,143.00 (+3.38%) Homeowner's exemption$327,746 (+3%)$348,900 (+9.65%) Land $50,000 Building $298,900
2022$4,975.00 Homeowner's exemption$318,200 Land $45,000 Building $273,200$318,200 Land $45,000 Building $273,200

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 ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

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