Osceola County property record for 522 Indiana Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,552 sqft · built 1915 |
| Lot Size | 0.172 acres (7,492 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $319,900 (Apr 2023) |
| Tax Bill | $4,249 (2025) |
| Deeds & Mortgages | Apr 2023 Sale & Mortgage Jun 2022 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-26-30-0001-0010-0110 |
| Primary APN | 01-26-30-0001-0010-0110 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,552 sqft Living Area |
| Gross Area | 1,832 sqft |
| 1st Floor Area | 624 sqft |
| Upper Floors Area | 624 sqft |
| Flooring | Wood |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1915 |
|---|---|
| Effective Year Built | Effective 2005 |
| Architectural Style | Custom Design |
| Exterior Material | Stucco |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 7,492 sqft (0.172 acres) |
| Lot Dimensions | 150 ft deep x 50 ft wide |
| Porch | Florida Room |
|---|---|
| Porch Area | 520 sqft |
| Shed | 1 Shed |
| Shed Area | 96 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 522 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 11 & 12 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 | 11 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 3 |
| Census Block | 3028 |
| Census Tract | 43500 |
Source: Osceola County assessment roll, 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 File |
|---|---|
| Mailing Address | 819 E BURTON ST, MURFREESBORO, TN 37130-3028 |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Apr 26, 2023 | Warranty Deed, Transfer · Conventional Mortgage REGIONS BANK |
| Jun 28, 2022 | Warranty Deed, Transfer NEW DOOR TITLE INSURANCE LLC, NEW HOME TITLE LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 26, 2023 · Amount on Record |
| Deed Sale | Apr 26, 2023 · Amount on Record |
| Prior Sale | Jun 28, 2022 · Amount on Record |
| Deed Document Number | 202351525 |
| Deed Book / Page | 6395 / 2810 |
| Prior Transfer Date | Mar 15, 2007 |
| Prior Transfer Doc | 0036341617 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Apr 26, 2023 |
| Property Address | 522 INDIANA AVE, SAINT CLOUD, FL 34769-2865 |
| Document Number | 0063952810 |
| Book / Page | 6395 / 2810 |
| Map Reference | MB B PG 33 |
| Instrument Date | Apr 20, 2023 |
| Instrument | 2023051525 |
| Transaction Type | Transfer |
| Record Updated | May 10, 2023 |
| Title Company | UNIK TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,239.30 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2634 LANCASTER RIDGE DR, DAVENPORT, FL 33837-1738 |
| Name | Verified Name |
|---|---|
| Address | 819 E BURTON ST, MURFREESBORO, TN 37130-3028 |
| Investor | Possibly a Property Investor |
| Document Number | 0063952812 |
|---|---|
| Date | Apr 26, 2023 |
| Instrument | 6395/2812 |
| Name | REGIONS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.5% |
| Type Change Date | May 1, 2033 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3% |
| Max Rate At Change | 11.5% |
| Index | Other |
| Margin | 3 |
| Max Rate | 11.5% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jun 28, 2022 |
| Property Address | 522 INDIANA AVE, SAINT CLOUD, FL 34769-2865 |
| Document Number | 0062410580 |
| Book / Page | 6241 / 580 |
| Map Reference | MB B PG 33 |
| Instrument Date | Jun 7, 2022 |
| Instrument | 2022100271 |
| Transaction Type | Transfer |
| Record Updated | Jul 12, 2022 |
| Title Company | NEW DOOR TITLE INSURANCE LLC, NEW HOME TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,365.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 7195 BRIDLE PATH, 7195, SAINT CLOUD, FL 34771-9528 |
| Name | Verified Name |
|---|---|
| Address | 511 RONALD REAGAN PKWY UNIT 440, 440, LOUGHMAN, FL 33858-9821 |
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 | $4,249.00 (+1.94%) | $237,200 (+12.05%) Land $46,800 Building $190,400 | $237,200 (+12.05%) Land $46,800 Building $190,400 |
| 2024 | $4,168.00 (+9.22%) | ||
| 2023 | $3,816.00 (+78.07%) | $211,700 (+59.77%) Land $42,500 Building $169,200 | $211,700 (+59.77%) Land $42,500 Building $169,200 |
| 2022 | $2,143.00 | $132,500 Land $35,100 Building $97,400 | $132,500 Land $35,100 Building $97,400 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 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.
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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