Osceola County property record for 717 Indiana Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,154 sqft · built 1909 |
| Lot Size | 0.339 acres (14,810 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $275,000 (Aug 2022) |
| Tax Bill | $3,349 (2025) |
| Deeds & Mortgages | Aug 2022 Sale & Mortgage Jun 2019 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 77122 |
| Primary APN | 77122 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,154 sqft Heated Area |
| Gross Area | 1,508 sqft |
| 1st Floor Area | 850 sqft |
| Interior Walls | Plaster |
| Year Built | Built 1909 |
|---|---|
| Effective Year Built | Effective 1999 |
| Exterior Material | Aluminum Siding |
| Foundation Type | Pier/Post & Beam |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 14,810 sqft (0.339 acres) |
| Lot Dimensions | 150 ft deep x 100 ft wide |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 1 Parking Space |
| Porch | Enclosed Porch |
|---|---|
| Porch Area | 448 sqft |
| Shed | 1 Shed |
| Shed Area | 160 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 77122 |
|---|---|
| Street Address | 717 INDIANA AVE |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-3351 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR2 |
| Legal Description | ST CLOUD PB B PG 34 BLK 67 LOTS 13 THRU 16 2-26-30 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD |
| Legal Tract | 1 |
| Legal Block | 67 |
| Legal Lot Number | 13-16 14 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 3 |
| Census Block | 3039 |
| Census Tract | 43500 |
Source: Osceola County records, as of December 11, 2025
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 |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 717 INDIANA AVE, SAINT CLOUD, FL 34769-3351 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 29, 2022 | Warranty Deed, Transfer · FHA Mortgage THE MORTGAGE FIRM INC |
| Jun 27, 2019 | Warranty Deed, Transfer · FHA Mortgage TJC MORTGAGE INC |
| Jun 16, 2017 | Warranty Deed, Transfer · VA Mortgage NAVY FCU |
| Deed Names | 3 Names on Deed |
|---|---|
| Last Sale | Aug 29, 2022 · Amount on Record |
| Deed Sale | Aug 29, 2022 · Amount on Record |
| Prior Sale | Jun 27, 2019 · Amount on Record |
| Deed Document Number | 2022131874 |
| Deed Book / Page | 6276 / 1993 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Aug 29, 2022 |
| Property Address | 717 INDIANA AVE, SAINT CLOUD, FL 34769-3351 |
| Document Number | 0062761993 |
| Book / Page | 6276 / 1993 |
| Map Reference | MB B PG 33&34 |
| Instrument Date | Aug 25, 2022 |
| Instrument | 2022131874 |
| Transaction Type | Transfer |
| Record Updated | Sep 23, 2022 |
| Title Company | THE CLOSING BOUTIQUE LLC, THE CLOSING AGENT LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,925.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 900 S LAKESIDE DR # DR6, 900, AMARILLO, TX 79118-7303 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 717 INDIANA AVE, SAINT CLOUD, FL 34769-3351 |
| Document Number | 0062761995 |
|---|---|
| Date | Aug 29, 2022 |
| Instrument | 6276/1995 |
| Name | THE MORTGAGE FIRM INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jun 27, 2019 |
| Property Address | 717 INDIANA AVE, SAINT CLOUD, FL 34769-3351 |
| Document Number | 0055482121 |
| Book / Page | 5548 / 2121 |
| Map Reference | MB B PG 33 |
| Instrument Date | Jun 27, 2019 |
| Instrument | 2019083438 |
| Transaction Type | Transfer |
| Record Updated | May 2, 2022 |
| Title Company | STEWART TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,330.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3597 VEGA CREEK DR, 3597, SAINT CLOUD, FL 34772-8317 |
| Name | Verified Name |
|---|---|
| Address | 717 INDIANA AVE, SAINT CLOUD, FL 34769-3351 |
| Document Number | 0055482122 |
|---|---|
| Date | Jun 27, 2019 |
| Instrument | 5548/2122 |
| Name | TJC MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jun 16, 2017 |
| Property Address | 717 INDIANA AVE, SAINT CLOUD, FL 34769-3351 |
| Document Number | 0051650794 |
| Book / Page | 005165 / 000794 |
| Instrument Date | Jun 15, 2017 |
| Instrument | 87931 |
| Transaction Type | Transfer |
| Record Updated | Jul 17, 2017 |
| Title Company | STEWART TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,082.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 717 INDIANA AVE ST CLOUD FL 347693351, ST CLOUD, FL 34769-3351 |
| Document Number | 51650795 |
|---|---|
| Date | Jun 16, 2017 |
| Book Page | 005165/000795 |
| Instrument | 87932 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 15, 2047 |
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 | $3,349.00 (+6.35%) Homeowner's exemption | $229,991 (+5.99%) | $237,900 (+9.63%) Land $63,200 Building $174,700 |
| 2023 | $3,149.00 (+51.47%) Homeowner's exemption | $217,000 (+37.78%) Land $57,500 Building $159,500 | $217,000 (+10.38%) Land $57,500 Building $159,500 |
| 2022 | $2,079.00 Homeowner's exemption | $157,498 | $196,600 Land $51,800 Building $144,800 |
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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