Osceola County property record for 509 Indiana Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 896 sqft · built 1966 |
| Lot Size | 0.172 acres (7,492 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $166,000 (Dec 2018) |
| Tax Bill | $3,121 (2025) |
| Deeds & Mortgages | Oct 2021 Mortgage Dec 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-26-30-0001-0009-0190 |
| Primary APN | 01-26-30-0001-0009-0190 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 896 sqft Living Area |
| Gross Area | 1,432 sqft |
| 1st Floor Area | 896 sqft |
| Flooring | Wood |
| Interior Walls | Plaster |
| Year Built | Built 1966 |
|---|---|
| Effective Year Built | Effective 1981 |
| Architectural Style | Custom Design |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 7,492 sqft (0.172 acres) |
| Lot Dimensions | 150 ft deep x 50 ft wide |
| Garage Type | Attached |
| Garage Area | 291 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Florida Room |
|---|---|
| Porch Area | 420 sqft |
| Patio Area | 105 sqft |
| Shed | 1 Shed |
| Shed Area | 80 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 509 INDIANA AVE |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-2864 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR2 |
| Legal Description | ST CLOUD PB B PG 33/34 BLK 9 LOTS 19 & 20 2/26/30 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD 2ND PLAT TOWN OF |
| Legal Tract | 1 |
| Legal Block | 9 |
| Legal Lot Number | 19 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 3 |
| Census Block | 3027 |
| Census Tract | 43500 |
509 Indiana Ave is owned and occupied by two individuals who bought it in December 2018.
Source: Osceola County records, as of November 26, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 509 INDIANA AVE, SAINT CLOUD, FL 34769-2864 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Oct 1, 2021 | Deed of Trust, Mortgage · FHA Mortgage CALIBER HOME LOANS INC |
| Dec 28, 2018 | Warranty Deed, Transfer · FHA Mortgage CALIBER HM LOANS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 28, 2018 · Amount on File |
| Deed Sale | Dec 28, 2018 · Amount on File |
| Prior Sale | Jun 23, 2006 · Amount on File |
| Deed Document Number | 2018188938 |
| Deed Book / Page | 5456 / 280 |
| Prior Transfer Date | Aug 1, 2008 |
| Prior Transfer Doc | 0037281690 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 509 INDIANA AVE, SAINT CLOUD, FL 34769-2864 |
| Transaction Type | Mortgage |
| Record Updated | Nov 24, 2021 |
| Title Company | PLATINUM NATIONAL TITLE LLC, PLATINUM NATIONAL TITLE |
| Name | Verified Name |
|---|---|
| Address | 509 INDIANA AVE, SAINT CLOUD, FL 34769-2864 |
| Document Number | 0060561221 |
|---|---|
| Date | Oct 1, 2021 |
| Book Page | 6056/1221 |
| Instrument | 2021152833 |
| Name | CALIBER HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Address | OKLAHOMA CITY, OK 73134 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 327 Months |
| Due | Jan 1, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Dec 28, 2018 |
| Property Address | 509 INDIANA AVE, SAINT CLOUD, FL 34769-2864 |
| Document Number | 0054560280 |
| Book / Page | 005456 / 000280 |
| Instrument Date | Dec 28, 2018 |
| Instrument | 188938 |
| Transaction Type | Transfer |
| Record Updated | Jan 10, 2019 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,162.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 509 INDIANA AVE ST CLOUD FL 347692864, ST CLOUD, FL 34769-2864 |
| Document Number | 54560282 |
|---|---|
| Date | Dec 28, 2018 |
| Book Page | 005456/000282 |
| Instrument | 188939 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | COPPELL, TX 75019 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 27, 2048 |
The 2025 property tax bill for 509 Indiana Ave was $3,121 with a homeowner's exemption, up 3.6% from the year before.
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 | $3,121.00 (+3.58%) Homeowner's exemption | $217,241 | $249,200 Land $46,800 Building $202,400 |
| 2024 | $3,013.00 (+2.76%) | ||
| 2023 | $2,932.00 (+3.71%) Homeowner's exemption | $204,970 (+3%) | $224,400 (+12.76%) Land $42,500 Building $181,900 |
| 2022 | $2,827.00 Homeowner's exemption | $199,000 Land $35,100 Building $163,900 | $199,000 Land $35,100 Building $163,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 509 Indiana Ave in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1995.
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 File 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.
Wildfire risk around 509 Indiana Ave is low, with a 0.02% annual chance of wildfire.
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 | 0.02% 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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