Osceola County property record for 813 Indiana Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 859 sqft · built 1920 |
| Lot Size | 0.137 acres (5,967 sqft) |
| Owner | Individual Name on File |
| Last Sale | $190,000 (Jul 2022) |
| Tax Bill | $3,102 (2025) |
| Deeds & Mortgages | May 2026 Mortgage Jun 2023 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-26-30-0001-0108-0170 |
| Primary APN | 01-26-30-0001-0108-0170 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 859 sqft Living Area |
| Gross Area | 1,658 sqft |
| 1st Floor Area | 859 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1970 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | Pier/Post & Beam |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 5,967 sqft (0.137 acres) |
| Lot Dimensions | 144 ft deep x 40 ft wide |
| Garage Type | Detached |
| Garage Area | 624 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | In-Ground Pool |
|---|---|
| Pool Area | 288 sqft |
| Porch | Florida Room |
| Porch Area | 175 sqft |
| Deck Area | 378 sqft |
| Cooling System | Wall Unit |
|---|---|
| Heating System | HVAC |
| Street Address | 813 INDIANA AVE |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-3353 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR2 |
| Legal Description | ST CLOUD PB B PG 34 BLK 108 LOT 17 & S 15 FT LOT 18 LESS E 6 FT 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 | 108 |
| Legal Lot Number | 17 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 3 |
| Census Block | 3044 |
| Census Tract | 43500 |
813 Indiana Ave is owned and occupied by an individual who acquired it in March 2023.
Source: Osceola County records, as of May 26, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 813 INDIANA AVE, SAINT CLOUD, FL 34769-3353 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| May 15, 2026 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Jun 5, 2023 | Intrafamily Transfer, Transfer |
| Jul 25, 2022 | Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 25, 2022 · Amount on File |
| Deed Sale | Jul 25, 2022 · Amount on File |
| Prior Sale | Aug 27, 2008 · Amount on File |
| Deed Document Number | 2022113998 |
| Deed Book / Page | 6257 / 793 |
| Last Transfer Date | Mar 8, 2023 |
| Transfer Doc | 0064182470 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | May 15, 2026 |
| Property Address | 813 INDIANA AVE, SAINT CLOUD, FL 34769-3353 |
| Document Number | 0000064842 |
| Book / Page | 6972 / 2026 |
| Instrument Date | May 14, 2026 |
| Instrument | 202664842 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | UNITED WHOLESALE MORTGAGE |
| Name | Verified Name |
|---|---|
| Address | 815 INDIANA AVE, SAINT CLOUD, FL 34769-3353 |
| Document Number | 0000064842, |
|---|---|
| Date | May 15, 2026 |
| Book Page | 6972/2026 |
| Instrument | 202664842 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.3% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jun 5, 2023 |
| Property Address | 813 INDIANA AVE, SAINT CLOUD, FL 34769-3353 |
| Document Number | 0064182470 |
| Book / Page | 6418 / 2470 |
| Map Reference | MB B PG 34 |
| Instrument Date | Mar 8, 2023 |
| Instrument | 2023071723 |
| Transaction Type | Transfer |
| Record Updated | Jun 16, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 813 INDIANA AVE, SAINT CLOUD, FL 34769-3353 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 813 INDIANA AVE, SAINT CLOUD, FL 34769-3353 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jul 25, 2022 |
| Property Address | 813 INDIANA AVE, SAINT CLOUD, FL 34769-3353 |
| Document Number | 0062570793 |
| Book / Page | 6257 / 793 |
| Map Reference | MB B PG 33&34 |
| Instrument Date | Jul 13, 2022 |
| Instrument | 2022113998 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2022 |
| Title Company | STEWART TITLE COMPANY-F, STEWART TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| 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 | 2755 ZUNI RD, 2755, SAINT CLOUD, FL 34771-7990 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 813 INDIANA AVE, SAINT CLOUD, FL 34769-3353 |
| Document Number | 0006257794 |
|---|---|
| Date | Jul 25, 2022 |
| Instrument | 6257/794 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2052 |
The 2025 property tax bill for 813 Indiana Ave was $3,102, up 6.7% from the year before.
Source: Osceola County assessment roll, as of November 26, 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 | $3,102.00 (+6.74%) | $173,100 Land $46,800 Building $126,300 | $173,100 Land $46,800 Building $126,300 |
| 2024 | $2,906.00 (+11.13%) | ||
| 2023 | $2,615.00 (+27.56%) | $145,000 (+11.8%) Land $34,000 Building $111,000 | $145,000 (+11.8%) Land $34,000 Building $111,000 |
| 2022 | $2,050.00 | $129,700 Land $30,600 Building $99,100 | $129,700 Land $30,600 Building $99,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 813 Indiana Ave in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1995.
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 File 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 risk around 813 Indiana Ave is low, with a 0.02% annual chance of wildfire.
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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures