Osceola County property record for 814 Minnesota Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,379 sqft · built 1909 |
| Lot Size | 0.172 acres (7,492 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $340,000 (Oct 2026) |
| Tax Bill | $2,162 (2025) |
| Deeds & Mortgages | Oct 2026 Sale & Mortgage May 2026 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-26-30-0001-0100-0050 |
| Primary APN | 01-26-30-0001-0100-0050 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,379 sqft Living Area |
| Gross Area | 1,680 sqft |
| 1st Floor Area | 1,071 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1909 |
|---|---|
| Effective Year Built | Effective 1965 |
| Architectural Style | Conventional |
| Exterior Material | Siding Sheathing |
| Construction Type | Frame |
| Foundation Type | Pier/Post & Beam |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 7,492 sqft (0.172 acres) |
| Lot Dimensions | 150 ft deep x 50 ft wide |
| Porch | Slab |
|---|---|
| Porch Area | 609 sqft |
| Deck Area | 64 sqft |
| Shed | 1 Shed |
| Shed Area | 64 sqft |
| Cooling System | Wall Unit |
|---|---|
| Heating System | HVAC |
| Street Address | 814 MINNESOTA AVE |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-3255 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR2 |
| Legal Description | ST CLOUD PB B PG 34 BLK 100 LOTS 5 & 6 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 | 100 |
| Legal Lot Number | 5 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1024 |
| Census Tract | 43400 |
Source: Osceola County records, as of October 19, 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 Record |
|---|---|
| Mailing Address | 10115 BLAZED TREE CT, ORLANDO, FL 32821-8272 |
| Owner Type | Individual |
| Vesting | Single Woman |
| Date | Document |
|---|---|
| Oct 5, 2026 | Warranty Deed, Transfer · Conventional Mortgage GENEVA FINANCIAL |
| May 1, 2026 | Deed of Trust, Mortgage · Conventional Mortgage NAVY FEDERAL CREDIT UNION |
| Sep 24, 2025 | Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE EQUITY PARTNERS LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 5, 2026 · Amount on Record |
| Deed Sale | Oct 5, 2026 · Amount on Record |
| Prior Sale | Sep 11, 2024 · Amount on Record |
| Deed Document Number | 2026128344 |
| Deed Book / Page | 7044 / 1950 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Oct 5, 2026 |
| Property Address | 814 MINNESOTA AVE, SAINT CLOUD, FL 34769-3255 |
| Document Number | 0000128344 |
| Book / Page | 7044 / 1950 |
| Instrument Date | Sep 30, 2026 |
| Instrument | 2026128344 |
| Transaction Type | Transfer |
| Record Updated | Oct 16, 2026 |
| Title Company | NONA TITLE INC, NONA TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $240,380.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 10115 BLAZED TREE CT, ORLANDO, FL 32821-8272 |
| Document Number | 0000128345, |
|---|---|
| Date | Oct 5, 2026 |
| Instrument | 2026128345 |
| Name | GENEVA FINANCIAL |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | May 1, 2026 |
| Property Address | 814 MINNESOTA AVE, SAINT CLOUD, FL 34769-3255 |
| Document Number | 0000058044 |
| Book / Page | 6965 / 260 |
| Instrument Date | Apr 27, 2026 |
| Instrument | 202658044 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | POST SETTLEMENT |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 814 MINNESOTA AVE, SAINT CLOUD, FL 34769-3255 |
| Document Number | 0000058044, |
|---|---|
| Date | May 1, 2026 |
| Book Page | 6965/260 |
| Instrument | 202658044 |
| Name | NAVY FEDERAL CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.38% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 814 MINNESOTA AVE, SAINT CLOUD, FL 34769-3255 |
| Transaction Type | Mortgage |
| Record Updated | Nov 5, 2025 |
| Name | Verified Name |
|---|---|
| Address | 814 MINNESOTA AVE, SAINT CLOUD, FL 34769-3255 |
| Document Number | 0068520947 |
|---|---|
| Date | Sep 24, 2025 |
| Book Page | 6852/947 |
| Instrument | 2025117213 |
| Name | MORTGAGE EQUITY PARTNERS LLC |
|---|---|
| Type | Mortgage Company |
| Address | LYNNFIELD, MA 01940 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2055 |
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 | $2,162.00 (-16.85%) | $163,700 (+12.9%) Land $46,800 Building $116,900 | $163,700 (+12.9%) Land $46,800 Building $116,900 |
| 2024 | $2,600.00 (+9.11%) | ||
| 2023 | $2,383.00 (+11.72%) | $145,000 (+15.54%) Land $42,500 Building $102,500 | $145,000 (+15.54%) Land $42,500 Building $102,500 |
| 2022 | $2,133.00 | $125,500 Land $35,100 Building $90,400 | $125,500 Land $35,100 Building $90,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 12 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 12 in force |
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.
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.
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 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 |
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