Osceola County property record for 501 Virginia Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,052 sqft · built 1980 |
| Lot Size | 0.258 acres (11,238 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $31,100 (Sep 2020) |
| Tax Bill | $2,421 (2025) |
| Deeds & Mortgages | Oct 2021 Mortgage Sep 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-26-30-0001-0006-0220 |
| Primary APN | 01-26-30-0001-0006-0220 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,052 sqft Living Area |
| Gross Area | 1,796 sqft |
| 1st Floor Area | 832 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 1980 |
| Architectural Style | Custom Design |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 11,238 sqft (0.258 acres) |
| Lot Dimensions | 150 ft deep x 75 ft wide |
| Garage Type | Detached |
| Garage Area | 396 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Florida Room |
| Porch Area | 372 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 501 VIRGINIA AVE |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-2950 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR2 |
| Legal Description | ST CLOUD PB B PGS 33 & 34 BLK 6 LOTS 22-24 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 | 6 |
| Legal Lot Number | 22 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 3 |
| Census Block | 3024 |
| Census Tract | 43500 |
Source: Osceola County records, as of January 16, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 501 VIRGINIA AVE, SAINT CLOUD, FL 34769-2950 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 21, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP |
| Sep 14, 2020 | Warranty Deed, Transfer · Conventional Mortgage THE MORTGAGE FIRM INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 14, 2020 · Amount on Record |
| Deed Sale | Sep 14, 2020 · Amount on Record |
| Prior Sale | Dec 10, 2012 · Amount on Record |
| Deed Document Number | 2020122563 |
| Deed Book / Page | 5793 / 598 |
| Prior Transfer Date | Sep 11, 2020 |
| Prior Transfer Doc | 0057930598 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 501 VIRGINIA AVE, SAINT CLOUD, FL 34769-2950 |
| Transaction Type | Mortgage |
| Record Updated | Nov 9, 2021 |
| Name | Verified Name |
|---|---|
| Address | 501 VIRGINIA AVE, SAINT CLOUD, FL 34769-2950 |
| Document Number | 0060700716 |
|---|---|
| Date | Oct 21, 2021 |
| Book Page | 6070/716 |
| Instrument | 2021164228 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28273 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Sep 14, 2020 |
| Property Address | 501 VIRGINIA AVE, SAINT CLOUD, FL 34769-2950 |
| Document Number | 0057930598 |
| Book / Page | 5793 / 598 |
| Map Reference | MB B PG 33&34 |
| Instrument Date | Sep 11, 2020 |
| Instrument | 2020122563 |
| Transaction Type | Transfer |
| Record Updated | Feb 8, 2022 |
| Title Company | LAND TITLE PROFESSIONALS LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $217.70 |
| Amount Accuracy | Rounded by County |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1804 VALLEY FORGE DR, SAINT CLOUD, FL 34769-1835 |
| Document Number | 0005793600 |
|---|---|
| Date | Sep 14, 2020 |
| Instrument | 5793/600 |
| Name | THE MORTGAGE FIRM INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2050 |
Source: Osceola County assessment roll, as of November 26, 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 | $2,421.00 (+3.68%) Homeowner's exemption | $178,170 (+5.99%) | $207,300 (+12.79%) Land $55,000 Building $152,300 |
| 2024 | $2,335.00 (+2.95%) | ||
| 2023 | $2,268.00 (+1.89%) Homeowner's exemption | $168,106 (+1.45%) | $183,800 (+10.92%) Land $50,000 Building $133,800 |
| 2022 | $2,226.00 Homeowner's exemption | $165,700 Land $45,000 Building $120,700 | $165,700 Land $45,000 Building $120,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 80% of the US · lower than 93% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond ember reach |
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 458 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CenturyLink Fiber | 8,000 / 8,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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