Osceola County property record for 616 Indiana Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,279 sqft · built 2021 |
| Lot Size | 0.172 acres (7,492 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $50,000 (Apr 2019) |
| Tax Bill | $8,008 (2025) |
| Deeds & Mortgages | Oct 2019 Construction Loan Apr 2019 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-26-30-0001-0049-0070 |
| Primary APN | 01-26-30-0001-0049-0070 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 2,279 sqft Living Area |
| Gross Area | 4,111 sqft |
| 1st Floor Area | 1,023 sqft |
| Flooring | Tile |
| Year Built | Built 2021 |
|---|---|
| Effective Year Built | Effective 2021 |
| Architectural Style | Conventional |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 7,492 sqft (0.172 acres) |
| Lot Dimensions | 150 ft deep x 50 ft wide |
| Garage Type | Attached |
| Garage Area | 1,401 sqft |
| Porch | Finished/Open Porch |
| Patio Area | 336 sqft |
| Heating System | Central |
|---|
| Street Address | 616 INDIANA AVE |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-2867 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR2 |
| Legal Description | ST CLOUD PB B PG 34 BLK 49 LOTS 7 & 8 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 | 49 |
| Legal Lot Number | 7 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 3 |
| Census Block | 3031 |
| Census Tract | 43500 |
Source: Osceola County records, as of November 26, 2025
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 | Individual Name on Record |
|---|---|
| Mailing Address | 616 INDIANA AVE, SAINT CLOUD, FL 34769-2867 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 17, 2019 | Deed of Trust, Mortgage · Construction Mortgage CENTERSTATE BANK OF FLORIDA NA |
| Apr 25, 2019 | Warranty Deed, Transfer STEWART TITLE |
| Sep 17, 2018 | Warranty Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 25, 2019 · Amount on Record |
| Deed Sale | Apr 25, 2019 · Amount on Record |
| Prior Sale | Sep 17, 2018 · Amount on Record |
| Deed Document Number | 201952866 |
| Deed Book / Page | 5513 / 1314 |
| Prior Transfer Date | Jul 30, 2018 |
| Prior Transfer Doc | 0054020454 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 616 INDIANA AVE, SAINT CLOUD, FL 34769-2867 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0056080020 |
|---|---|
| Date | Oct 17, 2019 |
| Book Page | 5608/0020 |
| Instrument | 2019134859 |
| Name | CENTERSTATE BANK OF FLORIDA NA |
|---|---|
| Type | Bank |
| Address | WINTER HAVEN, FL 33881 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 373 Months |
| Due | Nov 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Apr 25, 2019 |
| Property Address | 616 INDIANA AVE, SAINT CLOUD, FL 34769-2867 |
| Document Number | 0055131314 |
| Book / Page | 005513 / 001314 |
| Instrument Date | Apr 25, 2019 |
| Instrument | 52866 |
| Transaction Type | Transfer |
| Record Updated | May 14, 2019 |
| Title Company | STEWART TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $350.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 17405 NW 75TH PL #107 HIALEAH FL 330157131, 107, HIALEAH, FL 33015-7131 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Sep 17, 2018 |
| Property Address | 616 INDIANA AVE, SAINT CLOUD, FL 34769-2867 |
| Document Number | 0054020454 |
| Book / Page | 005402 / 000454 |
| Instrument Date | Jul 30, 2018 |
| Instrument | 139952 |
| Transaction Type | Transfer |
| Record Updated | Oct 4, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $183.40 |
| Amount Accuracy | Confirmed |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1509 LAKESHORE BLVD ST CLOUD FL 347692382, ST CLOUD, FL 34769-2382 |
Source: Osceola County assessment roll, as of November 26, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $8,008.00 (+3.34%) Homeowner's exemption | $490,310 (+6.45%) | $520,900 (+13.09%) Land $46,800 Building $474,100 |
| 2024 | $7,749.00 (+2.83%) | ||
| 2023 | $7,536.00 (-0.62%) Homeowner's exemption | $460,600 (+9.51%) Land $42,500 Building $418,100 | $460,600 (+9.51%) Land $42,500 Building $418,100 |
| 2022 | $7,583.00 | $420,600 Land $35,100 Building $385,500 | $420,600 Land $35,100 Building $385,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 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 |
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: 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 | 0.02% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 458 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CenturyLink 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures