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521 Florida Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 521 Florida Ave, Saint Cloud, FL 34769 · Last verified December 2025

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms2 Beds
Bathrooms1 Baths
Year BuiltBuilt 1989
Square Footage988 sqft Heated Area
Lot Size7,405 sqft (0.169 acres)
OccupancyOwner Occupied
Last Sale$290,000 (2025)
Tax Bill$2,219.00 (2025)

Property Details

APN / Parcel Number

Primary APN76583
Alternative APN
  • 012630000100110150

Interior

Bedrooms2 Beds
Full Baths1 Baths
Building Area988 sqft Heated Area
Gross Area1,186 sqft Gross Area
1st Floor924 sqft 1st Floor
Stories1 Stories
Primary FlooringTile Flooring
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 1952
Effective Year BuiltEffective 1989
Exterior MaterialVinyl Exterior
Foundation TypeFooting Foundation
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area7,405 sqft (0.169 acres)
Depth X Width150 ft x 50 ft Depth x Width

Exterior Amenities

FenceFence
Shed1 Shed
Shed Area80 sqft Shed
PorchEnclosed Porch
Porch Area262 sqft Porch

Utilities and HVAC

Cooling SystemA/C Package Cooling
Heating SystemHVAC Heating

Location & Zoning

Account Number76583
Street Address521 FLORIDA AVE
CitySAINT CLOUD
StateFL
Zip34769-2858
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionST CLOUD PB B PG 33/34 BLK 11 LOTS 15 & 16 2/26/30
Legal Range30E
Legal Township26S
Legal Section01
Legal SubdivisionST CLOUD
Legal Tract1
Legal Block11
Legal Lot Number2,15-16 16
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup3
Census Block3029
Census Tract43500

Owner

Source: Osceola County records · APN 76583

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 RecordIndividual Name on File
Co-ownerVerified Secondary Owner
Mailing Address521 FLORIDA AVE, SAINT CLOUD, FL 34769-2858
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Jun 25, 2025Warranty Deed, Transfer · Conventional Mortgage
RESOURCE FINANCIAL SERVICES INC
Mar 14, 2023Deed of Trust, Mortgage · Stand Alone Second Mortgage
DISCOVER BANK
Feb 18, 2021Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage
CHRISTENSEN FINANCIAL INC
Jan 10, 2020Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage
CHRISTENSEN FINANCIAL INC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJun 25, 2025 · Amount on Record
Deed SaleJun 25, 2025 · Amount on Record
Prior SaleJan 10, 2020 · Amount on Record
Deed Doc Number2025079336
Deed Book / Page6809 / 392
Record RefreshedJun 08, 2026

June 2025: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateJun 25, 2025
Property Address521 FLORIDA AVE, SAINT CLOUD, FL 34769-2858
Document Number0068090392
Book / Page6809 / 392
Map ReferenceMB B PG 33&34
Instrument DateJun 19, 2025
Instrument2025079336
Transaction TypeTransfer
Record UpdatedDec 12, 2025
Title CompanyLAND TITLE PROFESSIONALS LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,030.00
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address521 FLORIDA AVE, SAINT CLOUD, FL 34769-2858

Transferred To (Grantee/Buyer)

NameVerified Name
Address521 FLORIDA AVE, SAINT CLOUD, FL 34769-2858

Mortgage

Document Number0006809394
DateJun 25, 2025
Instrument6809/394
Lender
NameRESOURCE FINANCIAL SERVICES INC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJul 01, 2055

March 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address521 FLORIDA AVE, SAINT CLOUD, FL 34769-2858
Transaction TypeMortgage
Record UpdatedMar 28, 2023

Transferred To (Grantee/Buyer)

NameVerified Name
Address521 FLORIDA AVE, SAINT CLOUD, FL 34769-2858

Mortgage

Document Number0063711106
DateMar 14, 2023
Book Page6371/1106
Instrument2023029547
Lender
NameDISCOVER BANK
TypeBank
AddressGREENWOOD, DE 19950
Agreement
TypeStand Alone Second Mortgage
AmountAmount Recorded
Term240 Months
DueMar 14, 2043

February 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address521 FLORIDA AVE, SAINT CLOUD, FL 34769-2858
Transaction TypeMortgage
Record UpdatedApr 13, 2021

Transferred To (Grantee/Buyer)

NameVerified Name
Address521 FLORIDA AVE, SAINT CLOUD, FL 34769-2858

Mortgage

Document Number0058932828
DateFeb 18, 2021
Book Page5893/2828
Instrument2021023788
Lender
NameCHRISTENSEN FINANCIAL INC
TypeFunding / Finance Company
AddressALTAMONTE SPRINGS, FL 32714
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term361 Months
DueMar 01, 2051

January 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateJan 10, 2020
Property Address521 FLORIDA AVE, SAINT CLOUD, FL 34769-2858
Document Number0056560590
Book / Page5656 / 0590
Map ReferenceMB B PG 33&34
Instrument DateJan 09, 2020
Instrument2020005140
Transaction TypeTransfer
Record UpdatedFeb 08, 2022
Title CompanyLAND TITLE PROFESSIONALS LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,176.00
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address4740 CYPRESS FOREST LN, 4740, SAINT CLOUD, FL 34772-7211

Transferred To (Grantee/Buyer)

NameVerified Name
Address521 FLORIDA AVE, SAINT CLOUD, FL 34769-2858

Mortgage

Document Number0056560592
DateJan 10, 2020
Instrument5656/0592
Lender
NameCHRISTENSEN FINANCIAL INC
TypeFunding / Finance Company
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term361 Months
DueFeb 01, 2050

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola 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.

YearTax BillAssessed ValueAssessed Market Value
2025$2,219.00 (+6.89%) Homeowner's exemption$166,862 (+5.99%)$231,000 (+9.63%) Land $46,800 Building $184,200
2023$2,076.00 (+4.06%) Homeowner's exemption$157,437 (+3%)$210,700 (+12.25%) Land $42,500 Building $168,200
2022$1,995.00 Homeowner's exemption$152,852$187,700 Land $35,100 Building $152,600

Flood & Wildfire

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

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

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