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618 Minnesota Ave, Saint Cloud, FL 34769 Property Records

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

Property Summary

Property TypeSingle Family Home
Details4 bd · 2.5 ba · 1,830 sqft · built 2019
Lot Size0.172 acres (7,492 sqft)
Owner2 Individual Names on Record
Last Sale$408,000 (May 2025)
Tax Bill$3,861 (2025)
Deeds & MortgagesFeb 2024 Transfer
Jun 2022 Mortgage
+ 5 more
Flood ZoneZone X (minimal risk)
APN01-26-30-0001-0042-0090

Property Details

APN / Parcel Number

Primary APN01-26-30-0001-0042-0090
Alternative APNs
  • 263001000100420090
  • 76880

Interior

Bedrooms4 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Stories1 Story
Building Area1,830 sqft Living Area
Gross Area2,631 sqft
1st Floor Area1,830 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2019
Effective Year BuiltEffective 2019
Architectural StyleConventional
Exterior MaterialConcrete Block
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area7,492 sqft (0.172 acres)
Lot Dimensions150 ft deep x 50 ft wide
Garage TypeAttached
Garage Area552 sqft
PorchFinished/Open Porch
Porch Area249 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address618 MINNESOTA AVE
CitySAINT CLOUD
StateFL
Zip34769-2747
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeSR2
Legal DescriptionST CLOUD PB B PG 34 BLK 42 LOT 9 & 10 2/26/30
Legal Range30E
Legal Township26S
Legal Section01
Legal SubdivisionST CLOUD 2ND PLAT TOWN OF
Legal Tract1
Legal Block42
Legal Lot Number9
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1018
Census Tract43400

Owner

Source: Osceola County records, as of November 26, 2025

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

Owner of Record2 Individual Names on Record
Mailing Address38810 WIND DANCER CIR, SAINT CLOUD, FL 34772
Owner TypeIndividual
VestingJoint Tenants

Deeds, Mortgages & Sale History

DateDocument
Feb 28, 2024Intrafamily Transfer, Transfer
Jun 24, 2022Deed of Trust, Mortgage · Conventional Mortgage
REGIONS BANK
Feb 14, 2020Deed of Trust, Mortgage · Conventional Mortgage
FBC MORTGAGE LLC
Apr 3, 2019Warranty Deed, Transfer · Conventional Mortgage
FBC MORTGAGE LLC
Oct 30, 2017Quit Claim Deed, Transfer
Quitclaim
Apr 3, 2019Correction Deed
NOT AVAILABLE
Aug 23, 2017Warranty Deed, Transfer
QUALITY TITLE AND ESCROW LLC, QUALITY TITLE & ESCROW LLC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMay 2, 2025 · Amount on Record
Deed SaleMay 2, 2025 · Amount on Record
Prior SaleApr 3, 2019 · Amount on Record
Deed Document Number202555412
Deed Book / Page6781 / 95
Prior Transfer DateFeb 28, 2024
Prior Transfer Doc0065561835
Record UpdatedSep 20, 2026

February 2024: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionOSCEOLA FL
Recording DateFeb 28, 2024
Property Address618 MINNESOTA AVE, SAINT CLOUD, FL 34769-2747
Document Number0065561835
Book / Page6556 / 1835
Map ReferencePG 34
Instrument DateFeb 28, 2024
Instrument2024026018
Transaction TypeTransfer
Record UpdatedMar 8, 2024

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address4625 AGUILA PL, ORLANDO, FL 32826-6516

Transferred To (Grantee/Buyer)

NameVerified Name
Address618 MINNESOTA AVE, SAINT CLOUD, FL 34769-2747

June 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address618 MINNESOTA AVE, SAINT CLOUD, FL 34769-2747
Transaction TypeMortgage
Record UpdatedFeb 10, 2023

Transferred To (Grantee/Buyer)

NameVerified Name
Address618 MINNESOTA AVE, SAINT CLOUD, FL 34769-2747

Mortgage

Document Number0062392287
DateJun 24, 2022
Book Page6239/2287
Instrument2022099050
Lender
NameREGIONS BANK
TypeBank
AddressBIRMINGHAM, AL 35244
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJul 1, 2052

February 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address618 MINNESOTA AVE, SAINT CLOUD, FL 34769-2747
Transaction TypeMortgage
Record UpdatedNov 24, 2021
Title CompanyLEADING EDGE TITLE

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0056742375
DateFeb 14, 2020
Book Page5674/2375
Instrument2020022817
Lender
NameFBC MORTGAGE LLC
TypeMortgage Company
AddressORLANDO, FL 32801
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueMar 1, 2050

April 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateApr 3, 2019
Property Address618 MINNESOTA AVE, SAINT CLOUD, FL 34769-2747
Document Number0055020622
Book / Page5502 / 0622
Map ReferenceMB B PG 33&34
Instrument DateMar 14, 2019
Instrument2019042163
Transaction TypeTransfer
Record UpdatedNov 24, 2021
Title CompanyINFINITY TITLE GROUP

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,785.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address3061 BIG SKY BLVD, 3061, SAINT CLOUD, FL 34769

Transferred To (Grantee/Buyer)

NameVerified Name
Address618 MINNESOTA AVE, SAINT CLOUD, FL 34769-2747

Mortgage

Document Number2019042164
DateApr 3, 2019
Instrument2019042164
Lender
NameFBC MORTGAGE LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueApr 1, 2049

October 2017: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionOSCEOLA FL
Recording DateOct 30, 2017
Property Address618 MINNESOTA AVE, SAINT CLOUD, FL 34769-2747
Document Number0052320465
Book / Page005232 / 000465
Instrument DateOct 25, 2017
Instrument155624
Transaction TypeTransfer
Record UpdatedNov 28, 2017

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address3061 BIG SKY BLVD KISSIMMEE FL 347445615, KISSIMMEE, FL 34744-5615

April 2019: Correction Deed

Document TypeCorrection Deed
JurisdictionOSCEOLA FL
Recording DateApr 3, 2019
Property Address618 MINNESOTA AVE, SAINT CLOUD, FL 34769-2747
Document Number0055020618
Book / Page005502 / 000618
Instrument DateOct 25, 2017
Instrument42159
Record UpdatedApr 18, 2019
Title CompanyNOT AVAILABLE

Transaction

AmountAmount Recorded
Tax$0.70

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address3061 BIG SKY BLVD KISSIMMEE FL 347445615, KISSIMMEE, FL 34744-5615

August 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateAug 23, 2017
Property Address618 MINNESOTA AVE, SAINT CLOUD, FL 34769-2747
Document Number0051981681
Book / Page005198 / 001681
Instrument DateAug 18, 2017
Instrument121877
Transaction TypeTransfer
Record UpdatedSep 26, 2017
Title CompanyQUALITY TITLE AND ESCROW LLC, QUALITY TITLE & ESCROW LLC

Transaction

AmountAmount Recorded
Tax$210.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address2022 11TH ST ST CLOUD FL 347693609, ST CLOUD, FL 34769-3609

Tax Assessment & Valuation

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$3,861.00 (+3.51%)$258,586 (+5.99%)$380,100 (+4.65%) Land $46,800 Building $333,300
2024$3,730.00 (+2.61%)
2023$3,635.00 (+3.59%) Homeowner's exemption$243,980 (+3%)$363,200 (+18.27%) Land $42,500 Building $320,700
2022$3,509.00 Homeowner's exemption$236,874$307,100 Land $35,100 Building $272,000

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 12 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies12 in force

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 RiskLow
lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood0.01% 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 526 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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