Osceola County property record for 815 Indiana Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,712 sqft · built 1919 |
| Lot Size | 0.171 acres (7,448 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $185,900 (Apr 2020) |
| Tax Bill | $3,206 (2025) |
| Deeds & Mortgages | Apr 2022 Mortgage Apr 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-26-30-0001-0108-0150 |
| Primary APN | 01-26-30-0001-0108-0150 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,712 sqft Living Area |
| Gross Area | 1,904 sqft |
| 1st Floor Area | 944 sqft |
| Upper Floors Area | 768 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1919 |
|---|---|
| Effective Year Built | Effective 1999 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum Siding |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 7,448 sqft (0.171 acres) |
| Lot Dimensions | 144 ft deep x 50 ft wide |
| Garage Area | 371 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Florida Room |
| Porch Area | 192 sqft |
| Cooling System | Wall Unit |
|---|
| Street Address | 815 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 LOTS 15 & 16 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 | 15 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 3 |
| Census Block | 3044 |
| Census Tract | 43500 |
815 Indiana Ave is owned and occupied by two individuals who bought it in April 2020.
Source: Osceola County records, as of November 26, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 815 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 |
|---|---|
| Apr 5, 2022 | Deed of Trust, Mortgage · FHA Mortgage UNITED WHOLESALE MORTGAGE |
| Apr 27, 2020 | Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 27, 2020 · Amount on File |
| Deed Sale | Apr 27, 2020 · Amount on File |
| Prior Sale | Jul 7, 2011 · Amount on File |
| Deed Document Number | 202056760 |
| Deed Book / Page | 5713 / 2092 |
| Prior Transfer Date | Jul 28, 2011 |
| Prior Transfer Doc | 0041592653 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 815 INDIANA AVE, SAINT CLOUD, FL 34769-3353 |
| Transaction Type | Mortgage |
| Record Updated | Apr 19, 2022 |
| Name | Verified Name |
|---|---|
| Address | 815 INDIANA AVE, SAINT CLOUD, FL 34769-3353 |
| Document Number | 0061871687 |
|---|---|
| Date | Apr 5, 2022 |
| Book Page | 6187/1687 |
| Instrument | 2022053999 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | MADISON HEIGHTS, MI 48071 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 337 Months |
| Due | May 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Apr 27, 2020 |
| Property Address | 815 INDIANA AVE, SAINT CLOUD, FL 34769-3353 |
| Document Number | 0057132092 |
| Book / Page | 5713 / 2092 |
| Map Reference | MB B PG 33&34 |
| Instrument Date | Apr 24, 2020 |
| Instrument | 2020056760 |
| Transaction Type | Transfer |
| Record Updated | Feb 8, 2022 |
| Title Company | SUNSHINE STATE T&E LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,301.30 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2490 BRONCO DR, 2490, SAINT CLOUD, FL 34771-7954 |
| Name | Verified Name |
|---|---|
| Address | 815 INDIANA AVE, SAINT CLOUD, FL 34769-3353 |
| Document Number | 0057132078 |
|---|---|
| Date | Apr 27, 2020 |
| Instrument | 5713/2078 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2050 |
The 2025 property tax bill for 815 Indiana Ave was $3,206 with a homeowner's exemption, up 1.9% 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 | $3,206.00 (+1.91%) Homeowner's exemption | $222,000 Land $46,800 Building $175,200 | $222,000 Land $46,800 Building $175,200 |
| 2024 | $3,146.00 (-4.84%) | ||
| 2023 | $3,306.00 (+10.61%) | $202,700 (+12.05%) Land $42,500 Building $160,200 | $202,700 (+12.05%) Land $42,500 Building $160,200 |
| 2022 | $2,989.00 | $180,900 Land $35,100 Building $145,800 | $180,900 Land $35,100 Building $145,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 815 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 815 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 |
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