Osceola County property record for 515 Florida Ave, Saint Cloud, FL 34769 · Last verified December 2025
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,280 sqft · built 1957 |
| Lot Size | 0.26 acres (11,326 sqft) |
| Owner | Individual Name on File |
| Last Sale | $274,000 (Dec 2021) |
| Tax Bill | $1,941 (2025) |
| Deeds & Mortgages | Aug 2023 Mortgage Dec 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 76584 |
| Primary APN | 76584 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,280 sqft Heated Area |
| Gross Area | 2,810 sqft |
| 1st Floor Area | 1,280 sqft |
| Flooring | Tile |
| Interior Walls | Plaster |
| Year Built | Built 1957 |
|---|---|
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 11,326 sqft (0.26 acres) |
| Lot Dimensions | 150 ft deep x 75 ft wide |
| Garage Type | Finished |
| Garage Area | 1,020 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Porch |
|---|---|
| Porch Area | 432 sqft |
| Fence | Fence |
| Shed | 1 Shed |
| Shed Area | 100 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 76584 |
|---|---|
| Street Address | 515 FLORIDA AVE |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-2858 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ST CLOUD PB B PG 33/34 BLK 11 LOTS 17, 18 & 19 2/26/30 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD |
| Legal Tract | 1 |
| Legal Block | 11 |
| Legal Lot Number | 2,17-19 18 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 3 |
| Census Block | 3029 |
| Census Tract | 43500 |
Source: Osceola County records · APN 76584
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 | 515 FLORIDA AVE, SAINT CLOUD, FL 34769-2858 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 29, 2023 | Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC |
| Dec 16, 2021 | Warranty Deed, Transfer · VA Mortgage UNITED WHOLESALE MORTGAGE |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Dec 16, 2021 · Amount on Record |
| Deed Sale | Dec 16, 2021 · Amount on Record |
| Prior Sale | Feb 03, 2003 · Amount on Record |
| Deed Document Number | 2021194732 |
| Deed Book / Page | 6110 / 428 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 515 FLORIDA AVE, SAINT CLOUD, FL 34769-2858 |
| Transaction Type | Mortgage |
| Record Updated | Sep 13, 2023 |
| Title Company | NOT AVAILABLE, AMERICAS SETTLEMENT COMPANY |
| Name | Verified Name |
|---|---|
| Address | 515 FLORIDA AVE, SAINT CLOUD, FL 34769-2858 |
| Document Number | 0064650797 |
|---|---|
| Date | Aug 29, 2023 |
| Book Page | 6465/797 |
| Instrument | 2023113305 |
| Name | NEW DAY FINANCIAL LLC |
|---|---|
| Type | Mortgage Company |
| Address | FULTON, MD 20759 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Dec 16, 2021 |
| Property Address | 515 FLORIDA AVE, SAINT CLOUD, FL 34769-2858 |
| Document Number | 0061100428 |
| Book / Page | 6110 / 428 |
| Map Reference | MB B PG 33&34 |
| Instrument Date | Dec 13, 2021 |
| Instrument | 2021194732 |
| Transaction Type | Transfer |
| Record Updated | Dec 31, 2021 |
| Title Company | WATSON TITLE SERVICES INC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,918.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 671 NE 195TH ST # ST329, 671, MIAMI, FL 33179-3340 |
| Name | Verified Name |
|---|---|
| Address | 515 FLORIDA AVE, SAINT CLOUD, FL 34769-2858 |
| Document Number | 0006110430 |
|---|---|
| Date | Dec 16, 2021 |
| Instrument | 6110/430 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2052 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
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 | $1,941.00 (+7.42%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $156,336 (+5.99%) | $279,900 (+13.27%) Land $55,000 Building $224,900 |
| 2023 | $1,807.00 (+4.81%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $147,506 (+3.28%) | $247,100 (+16.89%) Land $50,000 Building $197,100 |
| 2022 | $1,724.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $142,822 | $211,400 Land $45,000 Building $166,400 |
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
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| 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; lenders make the official flood determination.
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