809 Ohio Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 809 Ohio Ave, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 828 sqft · built 1912
Lot Size	0.139 acres (6,098 sqft)
Owner	Individual Name on Record
Last Sale	$115,000 (Dec 2018)
Tax Bill	$799 (2025)
Deeds & Mortgages	Dec 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`77501`

Property Details

APN / Parcel Number

Primary APN	`77501`
Alternative APN	`012630000101070170`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	828 sqft Heated Area
Gross Area	1,030 sqft
1st Floor Area	828 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1912
Effective Year Built	Effective 1990
Exterior Material	Aluminum Siding
Foundation Type	Pier/Post & Beam
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	6,098 sqft (0.139 acres)
Lot Dimensions	150 ft deep x 40 ft wide

Exterior Amenities

Porch	Enclosed Porch
Porch Area	202 sqft
Fence	Fence
Shed	1 Shed
Shed Area	48 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	77501
Street Address	809 OHIO AVE
City	SAINT CLOUD
State	FL
Zip	34769-3365
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR3
Legal Description	ST CLOUD PB B PG 34 BLK 107 N 10 FT LOT 17 & S 5 FT OF 19 & ALL 18 2/26/30
Legal Range	30E
Legal Township	26S
Legal Section	01
Legal Subdivision	ST CLOUD
Legal Tract	1
Legal Block	107
Legal Lot Number	17
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3043
Census Tract	43500

Owner

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	Individual Name on Record
Mailing Address	809 OHIO AVE, SAINT CLOUD, FL 34769-3365
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 7, 2018 · Amount on Record
Deed Sale	Dec 7, 2018 · Amount on Record
Prior Sale	Feb 18, 2002 · Amount on Record
Deed Document Number	2018179691
Deed Book / Page	5445 / 2638
Record Updated	Jun 8, 2026

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 7, 2018
Property Address	809 OHIO AVE, SAINT CLOUD, FL 34769-3365
Document Number	0054452638
Book / Page	5445 / 2638
Map Reference	MB B PG33&34
Instrument Date	Nov 7, 2018
Instrument	2018179691
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	INFINITY TITLE GROUP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$805.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	424 LAKE, 424, FLOVILLA, GA 30216

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	809 OHIO AVE, SAINT CLOUD, FL 34769-3365

Mortgage

Document Number	2018179692
Date	Dec 7, 2018
Instrument	2018179692

Lender

Name	FIFTH THIRD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2048

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Municipality	St. Cloud City
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$799.00 (+9.6%) Homeowner's exemption	$87,563 (+5.99%)	$150,400 (+19.18%) Land $46,800 Building $103,600
2023	$729.00 (+6.27%) Homeowner's exemption	$82,618 (+3%)	$126,200 (+15.36%) Land $34,000 Building $92,200
2022	$686.00 Homeowner's exemption	$80,212	$109,400 Land $30,600 Building $78,800

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 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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 93% 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 526 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