Osceola County property record for 607 Virginia Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 875 sqft · built 1950 |
| Lot Size | 0.169 acres (7,405 sqft) |
| Owner | Owner Name on File |
| Last Sale | $63,000 (Mar 2009) |
| Tax Bill | $436 (2025) |
| Deeds & Mortgages | Nov 2021 Mortgage Apr 2017 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 76998 |
| Primary APN | 76998 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 875 sqft Heated Area |
| Gross Area | 1,577 sqft |
| 1st Floor Area | 875 sqft |
| Flooring | Wood |
| Interior Walls | Plaster |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1970 |
| Exterior Material | Concrete Block |
| Foundation Type | Pier/Post & Beam |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 7,405 sqft (0.169 acres) |
| Lot Dimensions | 150 ft deep x 50 ft wide |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
|---|---|
| Porch Area | 246 sqft |
| Shed | 1 Shed |
| Shed Area | 70 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 76998 |
|---|---|
| Street Address | 607 VIRGINIA AVE |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-2952 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR2 |
| Legal Description | ST CLOUD PB B PG 34 BLK 53 LOTS 21 & 22 1/26/30 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD |
| Legal Tract | 1 |
| Legal Block | 53 |
| Legal Lot Number | 1,21-22 22 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 3 |
| Census Block | 3035 |
| Census Tract | 43500 |
Source: Osceola County records · APN 76998
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 Record | Owner Name on File |
|---|---|
| Mailing Address | 607 VIRGINIA AVE, SAINT CLOUD, FL 34769-2952 |
| Occupancy | Owner Occupied |
| Date | Document |
|---|---|
| Nov 01, 2021 | Deed of Trust, Mortgage · Conventional Mortgage NATIONSTAR MORTGAGE LLC |
| Apr 03, 2017 | Deed of Trust, Mortgage · Conventional Mortgage RP FUNDING INC |
| Aug 27, 2018 | Deed of Trust, Mortgage · Conventional Mortgage RP FUNDING INC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Mar 18, 2009 · Amount on Record |
| Deed Sale | Mar 18, 2009 · Amount on Record |
| Prior Sale | Aug 24, 2006 · Amount on Record |
| Deed Document Number | 2009042553 |
| Deed Book / Page | 3811 / 1234 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 607 VIRGINIA AVE, SAINT CLOUD, FL 34769-2952 |
| Transaction Type | Mortgage |
| Record Updated | Nov 17, 2021 |
| Name | Verified Name |
|---|---|
| Address | 6120 SAVAGE ST, SAINT CLOUD, FL 34771-8540 |
| Document Number | 0060761996 |
|---|---|
| Date | Nov 01, 2021 |
| Book Page | 6076/1996 |
| Instrument | 2021169199 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Nov 01, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 607 VIRGINIA AVE, SAINT CLOUD, FL 34769-2952 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0051261215 |
|---|---|
| Date | Apr 03, 2017 |
| Book Page | 5126/1215 |
| Instrument | 2017050446 |
| Name | RP FUNDING INC |
|---|---|
| Type | Mortgage Company |
| Address | MAITLAND, FL 32751 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 179 Months |
| Due | Mar 01, 2032 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 607 VIRGINIA AVE, SAINT CLOUD, FL 34769-2952 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0053910622 |
|---|---|
| Date | Aug 27, 2018 |
| Book Page | 5391/0622 |
| Instrument | 2018129780 |
| Name | RP FUNDING INC |
|---|---|
| Type | Mortgage Company |
| Address | LAKE MARY, FL 32746 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2048 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| 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 | $436.00 (+12.08%) Homeowner's exemption | $49,155 (+5.99%) | $138,800 (+12.66%) Land $46,800 Building $92,000 |
| 2023 | $389.00 (+6.87%) Homeowner's exemption | $46,379 (+3%) | $123,200 (+15.9%) Land $42,500 Building $80,700 |
| 2022 | $364.00 Homeowner's exemption | $45,029 | $106,300 Land $35,100 Building $71,200 |
Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
| Wildfire Risk | Low lower than 80% of the US · lower than 93% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Lumen Technologies Fiber | 8,000 / 8,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
Based on FCC filings for 458 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | ST. CLOUD, CITY OF (3 WPS) serves 82,752 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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