509 Minnesota Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 509 Minnesota Ave, Saint Cloud, FL 34769 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,279 sqft · built 1952
Lot Size	0.25 acres (10,890 sqft)
Owner	Individual Name on File
Last Sale	$80,000 (Jan 2020)
Tax Bill	$1,898 (2025)
Deeds & Mortgages	Jan 2024 Transfer Sep 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`76643`

Property Details

APN / Parcel Number

Primary APN	`76643`
Alternative APN	`012630000100160190`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,279 sqft Heated Area
Gross Area	1,932 sqft
1st Floor Area	964 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1952
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Built-Up Asphalt
Lot Area	10,890 sqft (0.25 acres)
Lot Dimensions	150 ft deep x 73 ft wide
Garage Type	Carport
Carport	Carport

Exterior Amenities

Porch	Enclosed Porch
Porch Area	758 sqft
Patio Area	300 sqft
Fence	Fence
Shed	1 Shed
Shed Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	76643
Street Address	509 MINNESOTA AVE
City	SAINT CLOUD
State	FL
Zip	34769-2744
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ST CLOUD PB B PG 33/34 BLK 16 N 23 FT LOT 19 & ALL 20 & 21 2/26/30
Legal Range	30E
Legal Township	26S
Legal Section	01
Legal Subdivision	ST CLOUD
Legal Tract	1
Legal Block	16
Legal Lot Number	19
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1014
Census Tract	43400

Owner

Source: Osceola County records · APN 76643

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
Co-owner	Verified Secondary Owner
Mailing Address	509 MINNESOTA AVE, SAINT CLOUD, FL 34769-2744
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 31, 2024	Intrafamily Transfer, Transfer STEWART TITLE COMPANY-F, STEWART TITLE COMPANY
Sep 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Jan 31, 2020	Warranty Deed, Transfer · FHA Mortgage QUICKEN LNS
Jun 24, 2017	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jan 31, 2020 · Amount on Record
Deed Sale	Jan 31, 2020 · Amount on Record
Prior Sale	Jan 31, 2020 · Amount on Record
Deed Document Number	0056671486
Deed Book / Page	005667 / 001486
Last Transfer Date	Jan 31, 2024
Transfer Doc	0065421617
Record Updated	Jun 08, 2026

January 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Jan 31, 2024
Property Address	509 MINNESOTA AVE, SAINT CLOUD, FL 34769-2744
Document Number	0065421617
Book / Page	6542 / 1617
Map Reference	MB B PG 33&34
Instrument Date	Jan 31, 2024
Instrument	2024012946
Transaction Type	Transfer
Record Updated	Feb 13, 2024
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	509 MINNESOTA AVE, SAINT CLOUD, FL 34769-2744

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	N6816 ROCKY LN, PLYMOUTH, WI 53073-3357

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	509 MINNESOTA AVE, SAINT CLOUD, FL 34769-2744
Transaction Type	Mortgage
Record Updated	Feb 05, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0058030740
Date	Sep 30, 2020
Book Page	5803/740
Instrument	2020130976

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Oct 01, 2040

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 31, 2020
Property Address	509 MINNESOTA AVE, SAINT CLOUD, FL 34769-2744
Document Number	0056671486
Book / Page	005667 / 001486
Instrument Date	Jan 31, 2020
Instrument	16002
Transaction Type	Transfer
Record Updated	Feb 24, 2020
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$560.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	509 MINNESOTA AVE ST CLOUD FL 347692744, ST CLOUD, FL 34769-2744

Mortgage

Document Number	56671487
Date	Jan 31, 2020
Book Page	005667/001487
Instrument	16003

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 30, 2050

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	509 MINNESOTA AVE, SAINT CLOUD, FL 34769-2744
Document Number	0051730586
Book / Page	005173 / 000586
Instrument Date	Jun 24, 2017
Transaction Type	Mortgage
Record Updated	Aug 01, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	509 MINNESOTA AVE ST CLOUD FL 347692744, ST CLOUD, FL 34769-2744

Mortgage

Document Number	0051730586
Date	Jul 03, 2017
Book Page	005173/000586
Instrument	96622

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 02, 2047

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	$1,898.00 (-3.61%) Homeowner's exemption Senior Citizen's exemption	$160,586 (+5.99%)	$217,100 (+12.78%) Land $55,000 Building $162,100
2023	$1,969.00 (+4.12%) Homeowner's exemption	$151,516 (+3%)	$192,500 (+12.57%) Land $50,000 Building $142,500
2022	$1,891.00 Homeowner's exemption	$147,103	$171,000 Land $45,000 Building $126,000

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 120970434001, 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 12 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	12 in force

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 526 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

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