Osceola County property record for 712 Vermont Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,130 sqft · built 1996 |
| Lot Size | 0.21 acres (9,148 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $82,500 (Mar 1996) |
| Tax Bill | $750 (2025) |
| Deeds & Mortgages | Feb 2022 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 77236 |
| Primary APN | 77236 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,130 sqft Heated Area |
| Gross Area | 1,486 sqft |
| 1st Floor Area | 1,130 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1996 |
|---|---|
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 9,148 sqft (0.21 acres) |
| Lot Dimensions | 150 ft deep x 60 ft wide |
| Garage Type | Finished |
| Garage Area | 320 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
|---|---|
| Porch Area | 36 sqft |
| Patio Area | 120 sqft |
| Fence | Fence |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 77236 |
|---|---|
| Street Address | 712 VERMONT AVE |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-3265 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR2 |
| Legal Description | GRAY & LAURAIN PB 1 PG 176 BLK 80 LOT 3 & S 10 FT OF LOT 2 & S 60 FT OF E 25 FT OF LOT 14 2/26/30 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD |
| Legal Tract | 1 |
| Legal Block | 80 |
| Legal Lot Number | 2-3,14 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 3 |
| Census Block | 3066 |
| Census Tract | 43400 |
712 Vermont Ave is owned and occupied by two individuals who bought it in March 1996.
Source: Osceola County records, as of December 11, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 712 VERMONT AVE, SAINT CLOUD, FL 34769-3265 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 1, 1996 · Amount on File |
| Deed Sale | Mar 1, 1996 · Amount on File |
| Deed Document Number | 0131101007 |
| Deed Book / Page | 01311 / 01007 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 712 VERMONT AVE, SAINT CLOUD, FL 34769-3265 |
| Transaction Type | Mortgage |
| Record Updated | Feb 17, 2022 |
| Name | Verified Name |
|---|---|
| Address | 712 VERMONT AVE, SAINT CLOUD, FL 34769-3265 |
| Document Number | 0061441847 |
|---|---|
| Date | Feb 7, 2022 |
| Book Page | 6144/1847 |
| Instrument | 2022019949 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19801 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 479 Months |
| Due | Jan 10, 2062 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 712 Vermont Ave was $750 with a homeowner's exemption.
Source: Osceola County assessment roll, as of July 1, 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 | $750.00 Homeowner's exemption | $84,829 | $251,700 Land $55,000 Building $196,700 |
| 2023 | $682.00 (+6.4%) Homeowner's exemption | $80,038 (+3%) | $225,200 (+15.84%) Land $50,000 Building $175,200 |
| 2022 | $641.00 Homeowner's exemption | $77,707 | $194,400 Land $45,000 Building $149,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 712 Vermont Ave in Zone X, an area of minimal flood risk, though there have been 24 flood claims nearby since 1994.
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 File 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 |
|
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 risk around 712 Vermont Ave is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 97.6% of Florida |
|---|---|
| Wildfire Likelihood | 0.01% 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 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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