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618 Maryland Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 618 Maryland Ave, Saint Cloud, FL 34769

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 1,250 sqft · built 1985
Lot Size0.258 acres (11,238 sqft)
Owner2 Individual Names on File
Last Sale$387,900 (Apr 2026)
Tax Bill$4,537 (2025)
Deeds & MortgagesNov 2025 Construction Loan
Apr 2026 Sale & Mortgage
+ 3 more
Flood ZoneZone X (minimal risk)
APN01-26-30-0001-0053-0090

Property Details

APN / Parcel Number

Primary APN01-26-30-0001-0053-0090
Alternative APNs
  • 263001000100530090
  • 76994

Interior

Bedrooms4 Beds
Full Baths3 Baths
Stories1 Story
Building Area1,250 sqft Living Area
Gross Area1,940 sqft
1st Floor Area1,250 sqft
FlooringWood
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1985
Effective Year BuiltEffective 2000
Architectural StyleL-Shape
Exterior MaterialConcrete Block
Construction TypeMasonry / Concrete Block
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area11,238 sqft (0.258 acres)
Lot Dimensions150 ft deep x 75 ft wide
Garage TypeAttached
Garage Area450 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

PorchEnclosed/Finished Porch
Porch Area240 sqft
Shed1 Shed
Shed Area90 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address618 MARYLAND AVE
CitySAINT CLOUD
StateFL
Zip34769-2941
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeSR2
Legal DescriptionST CLOUD PB B PG 34 BLK 53 LOTS 8-10 1/26/30
Legal Range30E
Legal Township26S
Legal Section01
Legal SubdivisionST CLOUD 2ND PLAT TOWN OF
Legal Tract1
Legal Block53
Legal Lot Number9
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group3
Census Block3035
Census Tract43500

Owner

618 Maryland Ave is owned and occupied by two individuals who bought it in April 2026.

Source: Osceola County records, as of July 2, 2026

Owner of Record2 Individual Names on File
Mailing Address618 MARYLAND AVE, SAINT CLOUD, FL 34769-2941
OccupancyOwner Occupied
Owner TypeIndividual
VestingMarried Couple

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

Deeds, Mortgages & Sale History

DateDocument
Nov 7, 2025Deed of Trust, Mortgage · Construction Mortgage
RBI PRIVATE I ENDING LLC
Apr 7, 2026Warranty Deed, Transfer · VA Mortgage
ROCKET MORTGAGE LLC
Apr 7, 2026Warranty Deed, Transfer · VA Mortgage
ROCKET MORTGAGE LLC
Jul 16, 2021Warranty Deed, Transfer
QUALITY TITLE AND ESCROW LLC, QUALITY TITLE & ESCROW LLC
May 16, 2019Warranty Deed, Transfer · Conventional Mortgage
HAMILTON GROUP FUNDING INC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleApr 7, 2026 · Amount on File
Deed SaleApr 7, 2026 · Amount on File
Prior SaleNov 7, 2025 · Amount on File
Deed Document Number202646689
Deed Book / Page6951 / 2731
Record UpdatedOct 29, 2026

November 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address618 MARYLAND AVE, SAINT CLOUD, FL 34769-2941
Transaction TypeMortgage
Record UpdatedApr 22, 2026

Transferred To (Grantee/Buyer)

NameVerified Name
Address1401 SW 21ST ST, MIAMI, FL 33145-2841

Mortgage

Document Number0068772603
DateNov 7, 2025
Book Page6877/2603
Instrument2025138505
Lender
NameRBI PRIVATE I ENDING LLC
TypeNon-Lending Institution
AddressMIAMI, FL 33180
Agreement
TypeConstruction Mortgage
AmountAmount on Record
Term12 Months
DueNov 1, 2026

April 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateApr 7, 2026
Property Address618 MARYLAND AVE, SAINT CLOUD, FL 34769-2941
Document Number0000046689
Book / Page6951 / 2731
Instrument DateMar 27, 2026
Instrument202646689
Transaction TypeTransfer
Record UpdatedApr 17, 2026
Title CompanyGOGO TITLE LLC

Transaction

AmountAmount on Record
Loan-to-Value (LTV)LTV on Record
Tax$274,245.30
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address618 MARYLAND AVE, SAINT CLOUD, FL 34769-2941

Mortgage

Document Number0000046690,
DateApr 7, 2026
Instrument202646690
Lender
NameROCKET MORTGAGE LLC
Agreement
TypeVA Mortgage
AmountAmount on Record
Term360 Months
DueApr 1, 2056
Interest
Rate TypeAdjustable Rate
Rate6.01%
Initial TypeAdjustable Rate
AdjustableAdjustable Rate Rider
Max Rate-1%

April 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateApr 7, 2026
Property Address618 MARYLAND AVE, SAINT CLOUD, FL 34769-2941
Document Number0069512731
Book / Page6951 / 2731
Instrument DateMar 27, 2026
Instrument202646689
Transaction TypeTransfer
Record UpdatedJul 2, 2026
Title CompanyGOGO TITLE LLC

Transaction

AmountAmount on Record
Loan-to-Value (LTV)LTV on Record
Tax$274,245.30
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address618 MARYLAND AVE, SAINT CLOUD, FL 34769-2941

Mortgage

Document Number0000046690,
DateApr 7, 2026
Instrument202646690
Lender
NameROCKET MORTGAGE LLC
Agreement
TypeVA Mortgage
AmountAmount on Record
Term360 Months
DueApr 1, 2056
Interest
Rate TypeAdjustable Rate
Rate6.01%
Initial TypeAdjustable Rate
AdjustableAdjustable Rate Rider
Max Rate-1%

July 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateJul 16, 2021
Property Address618 MARYLAND AVE, SAINT CLOUD, FL 34769-2941
Document Number0060040077
Book / Page6004 / 77
Map ReferenceMB B PG 33&34
Instrument DateJul 16, 2021
Instrument2021110837
Transaction TypeTransfer
Record UpdatedJul 30, 2021
Title CompanyQUALITY TITLE AND ESCROW LLC, QUALITY TITLE & ESCROW LLC

Transaction

AmountAmount on Record
Tax$2,100.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address6975 MAVERICK TRL, 6975, SAINT CLOUD, FL 34771-9527

Transferred To (Grantee/Buyer)

NameVerified Name
Address618 MARYLAND AVE, SAINT CLOUD, FL 34769-2941

May 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateMay 16, 2019
Property Address618 MARYLAND AVE, SAINT CLOUD, FL 34769-2941
Document Number0055251807
Book / Page5525 / 1807
Map ReferenceMB B PG 33&34
Instrument DateMay 15, 2019
Instrument2019063500
Transaction TypeTransfer
Record UpdatedMay 2, 2022
Title CompanySTEWART TITLE COMPANY

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,505.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address618 MARYLAND AVE, 618, SAINT CLOUD, FL 34769-2941

Transferred To (Grantee/Buyer)

NameVerified Name
Address618 MARYLAND AVE, SAINT CLOUD, FL 34769-2941

Mortgage

Document Number0055251808
DateMay 16, 2019
Instrument5525/1808
Lender
NameHAMILTON GROUP FUNDING INC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueJun 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 618 Maryland Ave was $4,537, up 3.4% from the year before.

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

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$4,537.00 (+3.44%)$296,386$328,000 Land $55,000 Building $273,000
2024$4,386.00 (+2.55%)
2023$4,277.00 (+3.48%) Homeowner's exemption$279,645 (+3%)$299,400 (+10.28%) Land $50,000 Building $249,400
2022$4,133.00 Homeowner's exemption$271,500 Land $45,000 Building $226,500$271,500 Land $45,000 Building $226,500

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

Flood

FEMA maps place 618 Maryland Ave in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1995.

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 40 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies40 in force
Nearby Flood Claims3 (1995–2022)
Claims Outside the SFHA2 of 3
Most Recent ClaimSep 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.

Wildfire

Wildfire risk around 618 Maryland Ave is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood0.02% annual chance
ExposureNone
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 SystemST. CLOUD, CITY OF (3 WPS)
serves 82,752 people · EPA ID FL3491373
Water SourceGroundwater
Last State InspectionJul 2025
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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 458 locations within half a mile, as of December 31, 2025

ProviderMax 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

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