809 Vermont Ave, Saint Cloud, FL 34769 Property Records

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

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 1,076 sqft · built 1920
Lot Size	0.172 acres (7,492 sqft)
Owner	2 Individual Names on File
Last Sale	$324,000 (Aug 2024)
Tax Bill	$4,240 (2025)
Deeds & Mortgages	Nov 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`01-26-30-0001-0096-0190`

Property Details

APN / Parcel Number

Primary APN	`01-26-30-0001-0096-0190`
Alternative APNs	`263001000100960190` `77386`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,076 sqft Living Area
Gross Area	1,484 sqft
1st Floor Area	768 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1999
Architectural Style	Custom Design
Exterior Material	Aluminum Siding
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	7,492 sqft (0.172 acres)
Lot Dimensions	150 ft deep x 0.5 ft wide
Garage Type	Attached
Garage Area	200 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	262 sqft
Porch	Florida Room
Porch Area	308 sqft
Deck Area	700 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	809 VERMONT AVE
City	SAINT CLOUD
State	FL
Zip	34769-3266
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR2
Legal Description	ST CLOUD PB B PG 34 BLK 96 LOTS 19 & 20 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	96
Legal Lot Number	19
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2024
Census Tract	43400

Owner

Source: Osceola County records · APN 01-26-30-0001-0096-0190

Assessment roll updated November 26, 2025 · Last verified April 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 File
Mailing Address	4912 OLIVIA CT, SAINT CLOUD, FL 34772-8772
Owner Type	Individual
Vesting	His Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 13, 2024 · Amount on Record
Deed Sale	Aug 13, 2024 · Amount on Record
Prior Sale	Nov 25, 2020 · Amount on Record
Deed Document Number	2024105335
Deed Book / Page	6649 / 760
Prior Transfer Date	Aug 31, 2016
Prior Transfer Doc	0050201086
Record Updated	Jun 08, 2026

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Nov 25, 2020
Property Address	809 VERMONT AVE, SAINT CLOUD, FL 34769-3266
Document Number	0058401601
Book / Page	005840 / 001601
Instrument Date	Nov 23, 2020
Instrument	161735
Transaction Type	Transfer
Record Updated	Dec 15, 2020
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Tax	$1,470.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	809 VERMONT AVE ST CLOUD FL 347693266, ST CLOUD, FL 34769-3266

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 2026

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

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	$4,240.00 (+10.62%)	$236,700 (+9.13%) Land $46,800 Building $189,900	$236,700 (+9.13%) Land $46,800 Building $189,900
2024	$3,833.00 (+8.19%)
2023	$3,543.00 (+10.24%)	$216,900 (+10.95%) Land $42,500 Building $174,400	$216,900 (+10.95%) Land $42,500 Building $174,400
2022	$3,214.00	$195,500 Land $35,100 Building $160,400	$195,500 Land $35,100 Building $160,400

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 18 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	18 in force

Wildfire

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 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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Lumen Technologies Fiber	8,000 / 8,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Hotwire Communications.

Based on FCC filings for 439 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	ST. CLOUD, CITY OF (3 WPS) serves 82,752 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.