Osceola County property record for 516 Indiana Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 824 sqft · built 1952 |
| Lot Size | 0.172 acres (7,492 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $115,000 (Feb 2017) |
| Tax Bill | $1,092 (2025) |
| Deeds & Mortgages | May 2022 Mortgage Dec 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-26-30-0001-0010-0090 |
| Primary APN | 01-26-30-0001-0010-0090 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 824 sqft Living Area |
| Gross Area | 954 sqft |
| 1st Floor Area | 824 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Year Built | Built 1952 |
|---|---|
| Effective Year Built | Effective 1972 |
| Architectural Style | Conventional |
| 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 0.5 ft wide |
| Porch | Finished/Open Porch |
|---|---|
| Porch Area | 34 sqft |
| Patio Area | 120 sqft |
| Shed | 1 Shed |
| Shed Area | 108 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 516 INDIANA AVE |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-2865 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR2 |
| Legal Description | ST CLOUD PB B PG 33/34 BLK 10 LOTS 9 & 10 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 | 10 |
| Legal Lot Number | 9 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 3 |
| Census Block | 3028 |
| Census Tract | 43500 |
516 Indiana Ave is owned and occupied by two individuals who bought it in February 2017.
Source: Osceola County records, as of November 26, 2025
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 516 INDIANA AVE, SAINT CLOUD, FL 34769-2865 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 3, 2022 | Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORP |
| Dec 14, 2020 | Deed of Trust, Mortgage · FHA Mortgage MIDLAND MORTGAGE |
| Feb 1, 2017 | Warranty Deed, Transfer · FHA Mortgage THE MORTGAGE FIRM INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 1, 2017 · Amount on File |
| Deed Sale | Feb 1, 2017 · Amount on File |
| Prior Sale | Jul 15, 2014 · Amount on File |
| Deed Document Number | 201717608 |
| Deed Book / Page | 5095 / 1286 |
| Prior Transfer Date | Jan 31, 2017 |
| Prior Transfer Doc | 0050951286 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 516 INDIANA AVE, SAINT CLOUD, FL 34769-2865 |
| Transaction Type | Mortgage |
| Record Updated | Feb 10, 2023 |
| Name | Verified Name |
|---|---|
| Address | 516 INDIANA AVE, SAINT CLOUD, FL 34769-2865 |
| Document Number | 0062062416 |
|---|---|
| Date | May 3, 2022 |
| Book Page | 6206/2416 |
| Instrument | 2022070556 |
| Name | AMERISAVE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | ATLANTA, GA 30305 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Jun 1, 2037 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 516 INDIANA AVE, SAINT CLOUD, FL 34769-2865 |
| Transaction Type | Mortgage |
| Record Updated | Aug 1, 2022 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 516 INDIANA AVE, SAINT CLOUD, FL 34769-2865 |
| Document Number | 0058502732 |
|---|---|
| Date | Dec 14, 2020 |
| Book Page | 5850/2732 |
| Instrument | 2020169532 |
| Name | MIDLAND MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | OKLAHOMA CITY, OK 73118 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 314 Months |
| Due | Feb 1, 2047 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Feb 1, 2017 |
| Property Address | 516 INDIANA AVE, SAINT CLOUD, FL 34769-2865 |
| Document Number | 0050951286 |
| Book / Page | 5095 / 1286 |
| Map Reference | MB B PG33&34 |
| Instrument Date | Jan 31, 2017 |
| Instrument | 2017017608 |
| Transaction Type | Transfer |
| Record Updated | Aug 1, 2022 |
| Title Company | A CLEAR TITLE CHOICE TITLE & |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $805.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1422 HIDDEN OAKS BND, 1422, SAINT CLOUD, FL 34771-8406 |
| Name | Verified Name |
|---|---|
| Address | 516 INDIANA AVE, SAINT CLOUD, FL 34769-2865 |
| Document Number | 0050951287 |
|---|---|
| Date | Feb 1, 2017 |
| Instrument | 5095/1287 |
| Name | THE MORTGAGE FIRM INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 1, 2047 |
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 | $1,092.00 (+4.6%) Homeowner's exemption Disabled Person's exemption | $108,898 (+5.99%) | $204,600 (+13.16%) Land $46,800 Building $157,800 |
| 2024 | $1,044.00 (+4.3%) | ||
| 2023 | $1,001.00 (-2.72%) Homeowner's exemption Disabled Person's exemption | $102,747 (+3%) | $180,800 (+18.87%) Land $42,500 Building $138,300 |
| 2022 | $1,029.00 Homeowner's exemption Disabled Person's exemption | $99,755 | $152,100 Land $35,100 Building $117,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 516 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 516 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 330 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CenturyLink Fiber | 8,000 / 8,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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