606 Vermont Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 606 Vermont Ave, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,221 sqft · built 1990
Lot Size	0.172 acres (7,492 sqft)
Owner	2 Individual Names on Record
Last Sale	$188,000 (Aug 2017)
Tax Bill	$2,266 (2025)
Deeds & Mortgages	May 2021 Mortgage Jul 2018 Loan Modification + 2 more
Flood Zone	Zone X (minimal risk)
APN	`01-26-30-0001-0037-0040`

Property Details

APN / Parcel Number

Primary APN	`01-26-30-0001-0037-0040`
Alternative APNs	`263001000100370040` `76831`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,221 sqft Living Area
Gross Area	1,928 sqft
1st Floor Area	1,221 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1990
Effective Year Built	Effective 2005
Architectural Style	L-Shape
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,492 sqft (0.172 acres)
Lot Dimensions	100 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	456 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	451 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	606 VERMONT AVE
City	SAINT CLOUD
State	FL
Zip	34769-2759
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR2
Legal Description	ST CLOUD PB B PG 34 BLK 37 LOTS 4, 5, & 6 LESS W 50 FT 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	37
Legal Lot Number	4
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3067
Census Tract	43400

Owner

Source: Osceola County records, as of August 31, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	606 VERMONT AVE, SAINT CLOUD, FL 34769-2759
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 24, 2021	Deed of Trust, Mortgage · FHA Mortgage WELLS FARGO BANK NA
Jul 17, 2018	Loan Modification, Mortgage · Conventional with PMI WELLS FARGO BK
Aug 18, 2017	Special Warranty Deed, Transfer · FHA Mortgage WATERSTONE MORTGAGE CORP
Apr 13, 2017	Warranty Deed, Transfer SOUTHEAST PROF TITLE L

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 18, 2017 · Amount on Record
Deed Sale	Aug 18, 2017 · Amount on Record
Prior Sale	Apr 13, 2017 · Amount on Record
Deed Document Number	2017120255
Deed Book / Page	5196 / 2603
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	606 VERMONT AVE, SAINT CLOUD, FL 34769-2759
Transaction Type	Mortgage
Record Updated	Jun 10, 2021
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	606 VERMONT AVE, SAINT CLOUD, FL 34769-2759

Mortgage

Document Number	0059641210
Date	May 24, 2021
Book Page	5964/1210
Instrument	2021079561

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	DES MOINES, IA 50328

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	328 Months
Due	Sep 1, 2048

July 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OSCEOLA FL
Property Address	606 VERMONT AVE, SAINT CLOUD, FL 34769-2759
Document Number	0053822454
Instrument Date	Jul 17, 2018
Transaction Type	Mortgage
Record Updated	Aug 28, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	606 VERMONT AVE ST CLOUD FL 347692759, ST CLOUD, FL 34769-2759

Mortgage

Document Number	0053822454
Date	Aug 10, 2018
Book Page	005382/002454
Instrument	122188

Lender

Name	WELLS FARGO BK
Type	Bank
Address	FORT MILL, SC 29715

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Aug 9, 2048

Interest

Rate	4.25%

August 2017: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 18, 2017
Property Address	606 VERMONT AVE, SAINT CLOUD, FL 34769-2759
Document Number	0051962603
Book / Page	5196 / 2603
Map Reference	MB B PG33&34
Instrument Date	Aug 15, 2017
Instrument	2017120255
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	SOUTHEAST PROFESSIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,316.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	151 SOUTHHALL LN STE 230, 151, MAITLAND, FL 32751-7772

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	606 VERMONT AVE, SAINT CLOUD, FL 34769-2759

Mortgage

Document Number	0051962605
Date	Aug 18, 2017
Instrument	5196/2605

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2047

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 13, 2017
Property Address	606 VERMONT AVE, SAINT CLOUD, FL 34769-2759
Document Number	0051321814
Book / Page	005132 / 001814
Instrument Date	Mar 31, 2017
Instrument	56274
Transaction Type	Transfer
Record Updated	May 24, 2017
Title Company	SOUTHEAST PROF TITLE L

Transaction

Amount	Amount Recorded
Tax	$784.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	151 SOUTHHALL LN #230 MAITLAND FL 327517772, 230, MAITLAND, FL 32751-7772
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 2025

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,266.00 (+6.84%) Homeowner's exemption	$169,483 (+5.99%)	$300,300 (+9.68%) Land $46,800 Building $253,500
2023	$2,121.00 (+4.07%) Homeowner's exemption	$159,910 (+3%)	$273,800 (+11.71%) Land $42,500 Building $231,300
2022	$2,038.00 Homeowner's exemption	$155,253	$245,100 Land $35,100 Building $210,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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 98 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	110 units insured incl. 12 condo units
Nearby Flood Claims	24 (1994–2022)
Claims Outside the SFHA	3 of 24
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Ian, Sep 2022 · 4 claims Hurricane Ian, Sep 2022 · 2 claims Hurricane Frances, Sep 2004 · 3 claims

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.

Wildfire

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	0.03% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 439 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

May also be available: Hotwire Communications.

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