Osceola County property record for 728 Orange Ave, Saint Cloud, FL 34769 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 2006 |
| Square Footage | 1,858 sqft Heated Area |
| Lot Size | 24,394 sqft (0.56 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $257,000 (2020) |
| Tax Bill | $5,909.00 (2025) |
| Primary APN | 81165 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,858 sqft Heated Area |
| Gross Area | 2,308 sqft Gross Area |
| 1st Floor | 1,378 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Tile Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 1993 |
|---|---|
| Effective Year Built | Effective 2006 |
| Exterior Material | Concrete Block Exterior |
| Foundation Type | Footing Foundation |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 24,394 sqft (0.56 acres) |
| Depth X Width | 297 ft x 82 ft Depth x Width |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Finished Garage |
| Garage Area | 420 sqft Garage |
| Fence | Fence |
|---|---|
| Patio Area | 190 sqft Patio |
| Porch | Enclosed Porch |
| Porch Area | 510 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Account Number | 81165 |
|---|---|
| Street Address | 728 ORANGE AVE |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-3064 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | S L & I C PB B PGS 63-64 LOT 325 LESS S 80 FT & LESS E 18 FT FOR RD R/W |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD EAST OF EASTERN |
| Legal Tract | 4950 |
| Legal Block | 1 |
| Legal Lot Number | 325 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 2 |
| Census Block | 2053 |
| Census Tract | 43600 |
Source: Osceola County records · APN 81165
Assessment roll updated July 1, 2025 · Last verified December 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 728 ORANGE AVE, SAINT CLOUD, FL 34769-3064 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Aug 12, 2020 | Warranty Deed, Transfer · Veterans Administration Mortgage USAA FSB |
| Mar 21, 2018 | Warranty Deed, Transfer · Conventional Mortgage WATERSTONE MORTGAGE CORP |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 12, 2020 · Amount on Record |
| Deed Sale | Aug 12, 2020 · Amount on Record |
| Prior Sale | Mar 21, 2018 · Amount on Record |
| Deed Doc Number | 2020106448 |
| Deed Book / Page | 5773 / 1208 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Aug 12, 2020 |
| Property Address | 728 ORANGE AVE, SAINT CLOUD, FL 34769-3064 |
| Document Number | 0057731208 |
| Book / Page | 5773 / 1208 |
| Map Reference | MB B PG 61-64 |
| Instrument Date | Aug 07, 2020 |
| Instrument | 2020106448 |
| Transaction Type | Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | CORE TITLE SERVICES LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,799.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 214 STEPHENSON ST, 214, MONACA, PA 15061-2776 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenant/Joint Tenant w/ Right Of Survivorship |
| Address | 728 ORANGE AVE, SAINT CLOUD, FL 34769-3064 |
| Document Number | 0057731210 |
|---|---|
| Date | Aug 12, 2020 |
| Instrument | 5773/1210 |
| Name | USAA FSB |
|---|---|
| Type | Bank |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Mar 21, 2018 |
| Property Address | 728 ORANGE AVE, SAINT CLOUD, FL 34769-3064 |
| Document Number | 0053040929 |
| Book / Page | 5304 / 0929 |
| Map Reference | MB B PG61-64 |
| Instrument Date | Mar 15, 2018 |
| Instrument | 2018045283 |
| Transaction Type | Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | WATSON TITLE SERVICES INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,736.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenant/Joint Tenant w/ Right Of Survivorship |
| Address | 728 ORANGE AVE, SAINT CLOUD, FL 34769-3064 |
| Document Number | 2018045284 |
|---|---|
| Date | Mar 21, 2018 |
| Instrument | 2018045284 |
| Name | WATERSTONE MORTGAGE CORP |
|---|---|
| Type | Lending Institution |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2048 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,909.00 (+17.48%) | $359,300 (+13.34%) Land $81,000 Building $278,300 | $359,300 (+13.34%) Land $81,000 Building $278,300 |
| 2023 | $5,030.00 (+12.68%) | $317,000 (+18.37%) Land $60,800 Building $256,200 | $317,000 (+18.37%) Land $60,800 Building $256,200 |
| 2022 | $4,464.00 | $267,800 Land $54,000 Building $213,800 | $267,800 Land $54,000 Building $213,800 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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