524 Florida Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 524 Florida Ave, Saint Cloud, FL 34769 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 960 sqft · built 1910
Lot Size	0.344 acres (14,984 sqft)
Owner	Individual Name on File
Last Sale	$225,000 (Jul 2025)
Tax Bill	$1,694 (2025)
Deeds & Mortgages	Mar 2021 Sale Feb 2019 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`01-26-30-0001-0012-0090`

Property Details

APN / Parcel Number

Primary APN	`01-26-30-0001-0012-0090`
Alternative APNs	`263001000100120090` `76590`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	960 sqft Living Area
Gross Area	1,104 sqft
1st Floor Area	960 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Custom Design
Exterior Material	Aluminum Siding
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	14,984 sqft (0.344 acres)
Lot Dimensions	150 ft deep x 1 ft wide
Porch	Florida Room
Porch Area	144 sqft
Utility Building	160 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	524 FLORIDA AVE
City	SAINT CLOUD
State	FL
Zip	34769-2859
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ST CLOUD PB B PG 33/34 BLK 12 LOTS 9, 10, 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	12
Legal Lot Number	9
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1021
Census Tract	43500

Owner

Source: Osceola County records · APN 01-26-30-0001-0012-0090

Assessment roll updated November 26, 2025 · Last verified April 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	5595 N CANOE CREEK RD, KENANSVILLE, FL 34739-9303
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Date	Document
Mar 22, 2021	Warranty Deed, Transfer LAWYERS TITLE NTWK, LAWYERS TITLE NETWORK
Feb 07, 2019	Warranty Deed, Transfer · Conventional Mortgage RIVER-ROCK INVESTMENTS LLC
Feb 14, 2017	Grant Deed, Transfer STONEBRIDGE TITLE GROUP LLC
Feb 17, 2017	Grant Deed, Transfer STONEBRIDGE TITLE GROUP LLC

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jul 11, 2025 · Amount on Record
Deed Sale	Jul 11, 2025 · Amount on Record
Prior Sale	Mar 22, 2021 · Amount on Record
Deed Document Number	202585902
Deed Book / Page	6816 / 2986
Prior Transfer Date	Jul 08, 2005
Prior Transfer Doc	0028850695
Record Updated	Jun 08, 2026

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 22, 2021
Property Address	524 FLORIDA AVE, SAINT CLOUD, FL 34769-2859
Document Number	0059171592
Book / Page	5917 / 1592
Map Reference	MB B PG 33
Instrument Date	Mar 02, 2021
Instrument	2021042244
Transaction Type	Transfer
Record Updated	Feb 08, 2022
Title Company	LAWYERS TITLE NTWK, LAWYERS TITLE NETWORK

Transaction

Amount	Amount Recorded
Tax	$700.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3765 MOON DANCER PL, 3765, SAINT CLOUD, FL 34772-8245

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	524 FLORIDA AVE, SAINT CLOUD, FL 34769-2859

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 07, 2019
Property Address	524 FLORIDA AVE, SAINT CLOUD, FL 34769-2859
Document Number	0054732702
Book / Page	005473 / 002702
Instrument Date	Jan 31, 2019
Instrument	16227
Transaction Type	Transfer
Record Updated	Feb 20, 2019
Title Company	ESQUIRE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$805.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	4241 SETTLERS CT ST CLOUD FL 347728511, ST CLOUD, FL 34772-8511

Mortgage

Document Number	54732703
Date	Feb 07, 2019
Book Page	005473/002703
Instrument	16228

Lender

Name	RIVER-ROCK INVESTMENTS LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Feb 06, 2020

February 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 14, 2017
Property Address	524 FLORIDA AVE, SAINT CLOUD, FL 34769-2859
Document Number	0051021555
Book / Page	005102 / 001555
Instrument Date	Feb 03, 2017
Instrument	25207
Transaction Type	Transfer
Record Updated	Mar 17, 2017
Title Company	STONEBRIDGE TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Tax	$490.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2699 LEE RD #120 WINTER PARK FL 327891738, 120, WINTER PARK, FL 32789-1738

February 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 17, 2017
Property Address	524 FLORIDA AVE, SAINT CLOUD, FL 34769-2859
Document Number	0051040477
Book / Page	005104 / 000477
Instrument Date	Feb 03, 2017
Instrument	26858
Transaction Type	Transfer
Record Updated	Mar 17, 2017
Title Company	STONEBRIDGE TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Tax	$553.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3765 MOON DANCER PL ST CLOUD FL 347728245, ST CLOUD, FL 34772-8245

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 2026

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Municipality	St. Cloud City
Unified School District	Osceola 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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,694.00 (+3.86%)	$137,549 (+2.9%)	$163,400 (+1.68%) Land $63,200 Building $100,200
2024	$1,631.00 (+3.36%) Homeowner's exemption	$133,673 (+3%)	$160,700 (+10.67%) Land $63,200 Building $97,500
2023	$1,578.00 (+4.43%) Homeowner's exemption	$129,780 (+3%)	$145,200 (+15.24%) Land $57,500 Building $87,700
2022	$1,511.00 Homeowner's exemption	$126,000 Land $51,800 Building $74,200	$126,000 Land $51,800 Building $74,200

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970435001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 17 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	17 in force
Nearby Flood Claims	1 (1994)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Nov 1994, rainfall accumulation

Wildfire

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; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 330 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Lumen Technologies	Fiber	8,000 / 8,000
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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