810 Vermont Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 810 Vermont Ave, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,562 sqft · built 1957
Lot Size	0.339 acres (14,810 sqft)
Owner	Individual Name on Record
Last Sale	$182,000 (May 2014)
Tax Bill	$2,050 (2025)
Deeds & Mortgages	Jun 2023 Mortgage Nov 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`77374`

Property Details

APN / Parcel Number

Primary APN	`77374`
Alternative APN	`012630000100950050`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,562 sqft Heated Area
Gross Area	3,384 sqft
1st Floor Area	1,562 sqft
Interior Walls	Plaster

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1987
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	14,810 sqft (0.339 acres)
Lot Dimensions	150 ft deep x 100 ft wide
Garage Type	Finished
Garage Area	1,260 sqft
Parking Spaces	6 Parking Spaces
Porch	Porch
Porch Area	282 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	77374
Street Address	810 VERMONT AVE
City	SAINT CLOUD
State	FL
Zip	34769-3267
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR2
Legal Description	ST CLOUD PB B PG 34 BLK 95 LOTS 5-8 2/26/30
Legal Range	30E
Legal Township	26S
Legal Section	01
Legal Subdivision	ST CLOUD
Legal Tract	1
Legal Block	95
Legal Lot Number	5-8,2 6
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3065
Census Tract	43400

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
Co-owner	2 Co-owners on Record
Mailing Address	810 VERMONT AVE, SAINT CLOUD, FL 34769-3267
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 22, 2023	Deed of Trust, Mortgage · VA Mortgage MUTUAL OF OMAHA MORTGAGE INC
Nov 12, 2021	Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC
Jul 22, 2019	Deed of Trust, Mortgage · FHA Mortgage CARDINAL FINANCIAL COMPANY LP
Nov 12, 2020	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP

Assessor's Deed Record

Deed Names	4 Names on Deed
Last Sale	May 30, 2014 · Amount on Record
Deed Sale	May 30, 2014 · Amount on Record
Prior Sale	May 30, 2014 · Amount on Record
Deed Document Number	0046160125
Last Transfer Date	Jun 10, 2024
Transfer Doc	0066140598
Record Updated	Jun 8, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	810 VERMONT AVE, SAINT CLOUD, FL 34769-3267
Transaction Type	Mortgage
Record Updated	Jul 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	810 VERMONT AVE, SAINT CLOUD, FL 34769-3267

Mortgage

Document Number	0064290675
Date	Jun 22, 2023
Book Page	6429/675
Instrument	2023080953

Lender

Name	MUTUAL OF OMAHA MORTGAGE INC
Type	Mortgage Company
Address	SAN DIEGO, CA 92108

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2053

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	810 VERMONT AVE, SAINT CLOUD, FL 34769-3267
Transaction Type	Mortgage
Record Updated	Nov 25, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0060852072
Date	Nov 12, 2021
Book Page	6085/2072
Instrument	2021176385

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	810 VERMONT AVE, SAINT CLOUD, FL 34769-3267
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0055601094
Date	Jul 22, 2019
Book Page	5560/1094
Instrument	2019094070

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2049

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	810 VERMONT AVE, SAINT CLOUD, FL 34769-3267
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	810 VERMONT AVE, SAINT CLOUD, FL 34769-3267

Mortgage

Document Number	0058312701
Date	Nov 12, 2020
Book Page	5831/2701
Instrument	2020155234

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

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	$2,050.00 (+7.33%) Homeowner's exemption Disabled Person's exemption	$162,408 (+5.99%)	$367,100 (+12.13%) Land $63,200 Building $303,900
2023	$1,910.00 (-0.1%) Homeowner's exemption Disabled Person's exemption	$153,234 (+3%)	$327,400 (+16.22%) Land $57,500 Building $269,900
2022	$1,912.00 Homeowner's exemption Disabled Person's exemption	$148,771	$281,700 Land $51,800 Building $229,900

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 98 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	110 units insured incl. 12 condo units
Nearby Flood Claims	24 (1994–2022)
Claims Outside the SFHA	3 of 24
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Ian, Sep 2022 · 4 claims Hurricane Ian, Sep 2022 · 2 claims Hurricane Frances, Sep 2004 · 3 claims

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 98% of the US · lower than 97.6% 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 439 locations within half a mile, as of December 31, 2025

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

May also be available: Hotwire Communications.

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