Osceola County property record for 522 Jersey Ave, Saint Cloud, FL 34769 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 1980 |
| Square Footage | 1,888 sqft Living Area |
| Lot Size | 7,492 sqft (0.172 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $229,000 (2019) |
| Tax Bill | $2,985.00 (2025) |
| Primary APN | 01-26-30-0001-0021-0110 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,888 sqft Living Area |
| Gross Area | 1,954 sqft Gross Area |
| 1st Floor | 960 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Tile Flooring |
| Interior Structure | Plaster Interior Structure |
| Year Built | Built 1961 |
|---|---|
| Effective Year Built | Effective 1980 |
| Architectural Style | Custom Design Style |
| Exterior Material | Concrete Block Exterior |
| Construction Type | Masonry/Concrete Masonry Units (CMUs) Construction |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 7,492 sqft (0.172 acres) |
| Depth X Width | 150 ft x 0.5 ft Depth x Width |
| Parking Spaces | 2 Parking Spaces |
| Garage Area | 660 sqft Garage |
| Patio Area | 154 sqft Patio |
| Porch Area | 994 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 522 JERSEY AVE |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-2739 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | ST CLOUD PB B PG 33/34 BLK 21 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 | 21 |
| Legal Lot Number | 11 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 2 |
| Census Block | 2017 |
| Census Tract | 43400 |
Source: Osceola County records · APN 01-26-30-0001-0021-0110
Assessment roll updated November 26, 2025 · Last verified July 2026
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 | 522 JERSEY AVE, SAINT CLOUD, FL 34769-2739 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Vesting | Sole Owner |
| Date | Document |
|---|---|
| Jun 23, 2026 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage SECRETARY OF HOUSING AND URBAN DEVELOPMEN |
| Oct 15, 2019 | Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage CALIBER HM LOANS |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Oct 15, 2019 · Amount on Record |
| Deed Sale | Oct 15, 2019 · Amount on Record |
| Prior Sale | Jun 04, 2008 · Amount on Record |
| Deed Doc Number | 2019133359 |
| Deed Book / Page | 5606 / 1215 |
| Prior Transfer Date | May 18, 2005 |
| Prior Transfer Doc | 0000165651 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jun 23, 2026 |
| Property Address | 522 JERSEY AVE, SAINT CLOUD, FL 34769-2739 |
| Document Number | 0000082287 |
| Book / Page | 6992 / 849 |
| Instrument Date | May 13, 2026 |
| Instrument | 202682287 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 522 JERSEY AVE, SAINT CLOUD, FL 34769-2739 |
| Investor | Possibly a Property Investor |
| Document Number | 0000082287, |
|---|---|
| Date | Jun 23, 2026 |
| Book Page | 6992/849 |
| Instrument | 202682287 |
| Name | SECRETARY OF HOUSING AND URBAN DEVELOPMEN |
|---|
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 281 Months |
| Due | Nov 01, 2049 |
| Rate | 6.3% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Oct 15, 2019 |
| Property Address | 522 JERSEY AVE, SAINT CLOUD, FL 34769-2739 |
| Document Number | 0056061215 |
| Book / Page | 005606 / 001215 |
| Instrument Date | Oct 15, 2019 |
| Instrument | 133359 |
| Transaction Type | Transfer |
| Record Updated | Nov 01, 2019 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,603.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 522 JERSEY AVE ST CLOUD FL 347692739, ST CLOUD, FL 34769-2739 |
| Document Number | 56061216 |
|---|---|
| Date | Oct 15, 2019 |
| Book Page | 005606/001216 |
| Instrument | 133360 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | COPPELL, TX 75019 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 14, 2049 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified July 2026
| 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 | $2,985.00 (+3.61%) Homeowner's exemption | $209,644 (+5.99%) | $308,100 (+10.79%) Land $46,800 Building $261,300 |
| 2024 | $2,881.00 (+2.78%) | ||
| 2023 | $2,803.00 (+3.78%) Homeowner's exemption | $197,802 (+3%) | $278,100 (+12%) Land $42,500 Building $235,600 |
| 2022 | $2,701.00 Homeowner's exemption | $192,041 | $248,300 Land $35,100 Building $213,200 |
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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