514 Minnesota Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 514 Minnesota Ave, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,532 sqft · built 1922
Lot Size	0.172 acres (7,492 sqft)
Owner	2 Individual Names on Record
Last Sale	$325,000 (Apr 2024)
Tax Bill	$4,108 (2025)
Deeds & Mortgages	May 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-26-30-0001-0017-0070`

Property Details

APN / Parcel Number

Primary APN	`01-26-30-0001-0017-0070`
Alternative APNs	`263001000100170070` `76647`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,532 sqft Living Area
Gross Area	2,080 sqft
1st Floor Area	992 sqft
Upper Floors Area	540 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1922
Effective Year Built	Effective 2002
Architectural Style	L-Shape
Exterior Material	Fiber Cement Siding
Construction Type	Frame
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	Detached
Garage Area	380 sqft
Parking Spaces	1 Parking Space
Porch	Finished/Open Porch
Porch Area	168 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	514 MINNESOTA AVE
City	SAINT CLOUD
State	FL
Zip	34769-2745
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR2
Legal Description	ST CLOUD PB B PG 33/34 BLK 17 LOTS 7 & 8 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	17
Legal Lot Number	7
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1015
Census Tract	43400

Owner

Source: Osceola County records, as of November 26, 2025

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

Owner of Record	2 Individual Names on Record
Mailing Address	514 MINNESOTA AVE, SAINT CLOUD, FL 34769-2745
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 25, 2024 · Amount on Record
Deed Sale	Apr 25, 2024 · Amount on Record
Prior Sale	May 7, 2018 · Amount on Record
Deed Document Number	202453716
Deed Book / Page	6589 / 950
Prior Transfer Date	Nov 4, 2005
Prior Transfer Doc	0029630891
Record Updated	Sep 20, 2026

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 7, 2018
Property Address	514 MINNESOTA AVE, SAINT CLOUD, FL 34769-2745
Document Number	0053290996
Book / Page	005329 / 000996
Instrument Date	May 4, 2018
Instrument	72457
Transaction Type	Transfer
Record Updated	Jun 7, 2018
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,470.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	514 MINNESOTA AVE ST CLOUD FL 347692745, ST CLOUD, FL 34769-2745

Mortgage

Document Number	53290997
Date	May 7, 2018
Book Page	005329/000997
Instrument	72458

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 6, 2048

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,108.00 (-2.1%)	$272,400 (+9.66%) Land $46,800 Building $225,600	$272,400 (+9.66%) Land $46,800 Building $225,600
2024	$4,196.00 (+8.12%)
2023	$3,881.00 (+10.54%)	$248,400 (+11.79%) Land $42,500 Building $205,900	$248,400 (+11.79%) Land $42,500 Building $205,900
2022	$3,511.00	$222,200 Land $35,100 Building $187,100	$222,200 Land $35,100 Building $187,100

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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 12 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	12 in force

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

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	0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 526 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