Osceola County property record for 713 Illinois Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,606 sqft · built 1912 |
| Lot Size | 0.172 acres (7,492 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $275,000 (Apr 2025) |
| Tax Bill | $2,831 (2025) |
| Deeds & Mortgages | Jul 2017 Line of Credit Nov 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-26-30-0001-0066-0170 |
| Primary APN | 01-26-30-0001-0066-0170 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,606 sqft Living Area |
| Gross Area | 2,298 sqft |
| 1st Floor Area | 1,414 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Year Built | Built 1912 |
|---|---|
| Effective Year Built | Effective 1997 |
| Architectural Style | Custom Design |
| Exterior Material | Aluminum Siding |
| Foundation Type | Pier/Post & Beam |
| 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 | 400 sqft |
| Porch | Florida Room |
|---|---|
| Porch Area | 484 sqft |
| Deck Area | 40 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 713 ILLINOIS AVE |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-3418 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR2 |
| Legal Description | ST CLOUD PB B PG 34 BLK 66 LOTS 17 & 18 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 | 66 |
| Legal Lot Number | 17 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 3 |
| Census Block | 3038 |
| Census Tract | 43500 |
Source: Osceola County records, as of July 6, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 713 ILLINOIS AVE, SAINT CLOUD, FL 34769-3418 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried Woman |
| Date | Document |
|---|---|
| Jul 25, 2017 | Deed of Trust, Mortgage · Line of Credit CENTENNIAL BANK |
| Nov 13, 2017 | Warranty Deed, Transfer · Conventional Mortgage HOMEBRIDGE FINANCIAL SERVICES INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 9, 2025 · Amount on Record |
| Deed Sale | Apr 9, 2025 · Amount on Record |
| Prior Sale | Nov 13, 2017 · Amount on Record |
| Deed Document Number | 202545258 |
| Deed Book / Page | 6769 / 670 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 713 ILLINOIS AVE, SAINT CLOUD, FL 34769-3418 |
| Transaction Type | Mortgage |
| Record Updated | Nov 24, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0051832768 |
|---|---|
| Date | Jul 25, 2017 |
| Book Page | 5183/2768 |
| Instrument | 2017107406 |
| Name | CENTENNIAL BANK |
|---|---|
| Type | Bank |
| Address | SAINT CLOUD, FL 34769 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Jul 21, 2022 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Nov 13, 2017 |
| Property Address | 713 ILLINOIS AVE, SAINT CLOUD, FL 34769-3418 |
| Document Number | 0052371351 |
| Book / Page | 5237 / 1351 |
| Map Reference | MB B PG33&34 |
| Instrument Date | Nov 8, 2017 |
| Instrument | 2017161000 |
| Transaction Type | Transfer |
| Record Updated | Nov 24, 2021 |
| Title Company | STEWART TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,288.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2020 MACY ISLAND RD, 2020, KISSIMMEE, FL 34744-6252 |
| Name | Verified Name |
|---|---|
| Address | 713 ILLINOIS AVE, SAINT CLOUD, FL 34769-3418 |
| Document Number | 0052371352 |
|---|---|
| Date | Nov 13, 2017 |
| Book Page | 5237/1352 |
| Instrument | 2017161001 |
| Name | HOMEBRIDGE FINANCIAL SERVICES INC |
|---|---|
| Type | Funding / Finance Company |
| Address | ISELIN, NJ 08830 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2047 |
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 | $2,831.00 (+6.55%) | $200,848 (+5.99%) | $331,400 (+10.5%) Land $46,800 Building $284,600 |
| 2023 | $2,657.00 (+3.79%) Homeowner's exemption | $189,503 (+3%) | $299,900 (+12.03%) Land $42,500 Building $257,400 |
| 2022 | $2,560.00 Homeowner's exemption | $183,984 | $267,700 Land $35,100 Building $232,600 |
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 |
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