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524 Delaware Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 524 Delaware Ave, Saint Cloud, FL 34769 · Last verified December 2025

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms2 Baths
Year BuiltBuilt 1994
Square Footage1,480 sqft Heated Area
Lot Size10,890 sqft (0.25 acres)
OccupancyOwner Occupied
Last Sale$307,000 (2023)
Tax Bill$3,931.00 (2025)

Property Details

APN / Parcel Number

Primary APN76516
Alternative APN
  • 012630000100040100

Interior

Bedrooms3 Beds
Full Baths2 Baths
Building Area1,480 sqft Heated Area
Gross Area1,552 sqft Gross Area
1st Floor1,000 sqft 1st Floor
Stories1 Stories
Primary FlooringTile Flooring
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 1989
Effective Year BuiltEffective 1994
Exterior MaterialConcrete Block Exterior
Foundation TypeFooting Foundation
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area10,890 sqft (0.25 acres)
Depth X Width150 ft x 73 ft Depth x Width

Exterior Amenities

FenceFence
Shed1 Shed
Shed Area96 sqft Shed
PorchEnclosed Porch
Porch Area552 sqft Porch

Utilities and HVAC

Cooling SystemA/C Package Cooling
Heating SystemHVAC Heating

Location & Zoning

Account Number76516
Street Address524 DELAWARE AVE
CitySAINT CLOUD
StateFL
Zip34769-2982
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionST CLOUD PB B PG 33 BLK 4 LOTS 10-12 LESS N 2 FT OF LOT 10 1/26/30
Legal Range30E
Legal Township26S
Legal Section01
Legal SubdivisionST CLOUD
Legal Tract1
Legal Block4
Legal Lot Number1,10-12 12
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup5
Census Block5034
Census Tract43500

Owner

Source: Osceola County records · APN 76516

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 Address524 DELAWARE AVE, SAINT CLOUD, FL 34769-2982
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Mar 13, 2023Deed, Transfer · Federal Housing Administration (FHA) Mortgage
MORTGAGE EQUITY PARTNERS LLC
Oct 14, 2019Warranty Deed, Transfer
STEWART TITLE
Mar 15, 2019Warranty Deed, Transfer · Veterans Administration Mortgage
NORTH AMERICAN SAVINGS BANK FSB
May 01, 2017Warranty Deed, Transfer
STEWART TITLE

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleMar 13, 2023 · Amount on Record
Deed SaleMar 13, 2023 · Amount on Record
Prior SaleOct 14, 2019 · Amount on Record
Deed Doc Number2023029034
Deed Book / Page6370 / 1988
Record RefreshedJun 08, 2026

March 2023: Deed, Transfer

Document TypeDeed
JurisdictionOSCEOLA FL
Recording DateMar 13, 2023
Property Address524 DELAWARE AVE, SAINT CLOUD, FL 34769-2982
Document Number0063701988
Book / Page6370 / 1988
Map ReferenceMB B PG 33
Instrument DateMar 10, 2023
Instrument2023029034
Transaction TypeTransfer
Record UpdatedMar 28, 2023
Title CompanyFIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,149.00
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address114 N DIXIE DR, FROSTPROOF, FL 33843-9764

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenant/Joint Tenant w/ Right Of Survivorship
Address524 DELAWARE AVE, SAINT CLOUD, FL 34769-2982

Mortgage

Document Number0063701991
DateMar 13, 2023
Instrument6370/1991
Lender
NameMORTGAGE EQUITY PARTNERS LLC
TypeMortgage Company
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term361 Months
DueApr 01, 2053

October 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateOct 14, 2019
Property Address524 DELAWARE AVE, SAINT CLOUD, FL 34769-2982
Document Number0056051357
Book / Page005605 / 001357
Instrument DateOct 14, 2019
Instrument132405
Transaction TypeTransfer
Record UpdatedOct 29, 2019
Title CompanySTEWART TITLE

Transaction

AmountAmount Recorded
Tax$1,360.33
Amount AccuracyConfirmed
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipPersonal Trust
Address265 E LAKE SHORE BLVD KISSIMMEE FL 347445117, KISSIMMEE, FL 34744-5117

March 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateMar 15, 2019
Property Address524 DELAWARE AVE, SAINT CLOUD, FL 34769-2982
Document Number0054921219
Book / Page5492 / 1219
Map ReferenceMB B PG 33
Instrument DateMar 11, 2019
Instrument2019033669
Transaction TypeTransfer
Record UpdatedFeb 08, 2022
Title CompanySTEWART TITLE COMPANY

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$1,253.00
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address2212 NEW CUT RD, 2212, BRASELTON, GA 30517-2826

Transferred To (Grantee/Buyer)

NameVerified Name
Address524 DELAWARE AVE, SAINT CLOUD, FL 34769-2982

Mortgage

Document Number2019033670
DateMar 15, 2019
Instrument2019033670
Lender
NameNORTH AMERICAN SAVINGS BANK FSB
TypeBank
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term361 Months
DueApr 01, 2049

May 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateMay 01, 2017
Property Address524 DELAWARE AVE, SAINT CLOUD, FL 34769-2982
Document Number0051400473
Book / Page005140 / 000473
Instrument DateApr 28, 2017
Instrument63662
Transaction TypeTransfer
Record UpdatedJun 26, 2017
Title CompanySTEWART TITLE

Transaction

AmountAmount Recorded
Tax$1,155.00
Amount AccuracyConfirmed
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address5905 WOODMONT BLVD NORCROSS GA 300922753, NORCROSS, GA 30092-2753

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$3,931.00 (+3.56%) Homeowner's exemption$262,500 (+12.04%) Land $55,000 Building $207,500$262,500 (+12.04%) Land $55,000 Building $207,500
2023$3,796.00 (+11.84%)$234,300 (+15.93%) Land $50,000 Building $184,300$234,300 (+15.93%) Land $50,000 Building $184,300
2022$3,394.00$202,100 Land $45,000 Building $157,100$202,100 Land $45,000 Building $157,100

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 RiskLow
above 34% of the US · above 8% of Florida
Wildfire LikelihoodAbout 1 in 3,333 per year
ExposureDirect
burnable vegetation at the parcel

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

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