Osceola County property record for 816 Minnesota Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 2,597 sqft · built 1915 |
| Lot Size | 0.172 acres (7,492 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $36,200 (Sep 2024) |
| Tax Bill | $4,217 (2025) |
| Deeds & Mortgages | May 2018 Mortgage Jul 2019 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-26-30-0001-0100-0070 |
| Primary APN | 01-26-30-0001-0100-0070 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 2,597 sqft Living Area |
| Gross Area | 3,111 sqft |
| 1st Floor Area | 1,737 sqft |
| Upper Floors Area | 860 sqft |
| Flooring | Wood |
| Interior Walls | Plaster |
| Year Built | Built 1915 |
|---|---|
| Effective Year Built | Effective 1980 |
| Architectural Style | Conventional |
| Exterior Material | Fiber Cement Siding |
| Construction Type | Frame |
| 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 |
| Garage Type | Attached |
| Garage Area | 316 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Florida Room |
| Porch Area | 174 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Central |
| Street Address | 816 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 7 & 8 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 | 7 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1024 |
| Census Tract | 43400 |
Source: Osceola County records, as of November 26, 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 |
|---|---|
| Mailing Address | 816 MINNESOTA AVE, SAINT CLOUD, FL 34769-3255 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 8, 2018 | Deed of Trust, Mortgage · Conventional Mortgage CENTRAL FLORIDA EDUCATORS FCU |
| Jul 1, 2019 | Deed of Trust, Mortgage · Line of Credit ADDITION FIN'L CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 11, 2024 · Amount on Record |
| Deed Sale | Sep 11, 2024 · Amount on Record |
| Prior Sale | Feb 22, 2010 · Amount on Record |
| Deed Document Number | 2024116867 |
| Deed Book / Page | 6663 / 694 |
| Prior Transfer Date | Oct 30, 2006 |
| Prior Transfer Doc | 0034821312 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 816 MINNESOTA AVE, SAINT CLOUD, FL 34769-3255 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0053291800 |
|---|---|
| Date | May 8, 2018 |
| Book Page | 5329/1800 |
| Instrument | 2018072673 |
| Name | CENTRAL FLORIDA EDUCATORS FCU |
|---|---|
| Type | Credit Union |
| Address | LAKE MARY, FL 32746 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Jun 1, 2038 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 816 MINNESOTA AVE, SAINT CLOUD, FL 34769-3255 |
| Document Number | 0055540742 |
| Instrument Date | Jul 1, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jul 25, 2019 |
| Title Company | MORTGAGE TITLE SERVICES INC, MORTGAGEE TITLE SVCS INC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 816 MINNESOTA AVE ST CLOUD FL 347693255, ST CLOUD, FL 34769-3255 |
| Document Number | 0055540742 |
|---|---|
| Date | Jul 10, 2019 |
| Book Page | 005554/000742 |
| Instrument | 88257 |
| Name | ADDITION FIN'L CU |
|---|---|
| Address | LAKE MARY, FL 32746 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 420 Months |
| Due | Jul 9, 2054 |
| Rate Type | Adjustable Rate |
|---|
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 | $4,217.00 (+411.77%) | $235,400 (+173.99%) Land $46,800 Building $188,600 | $235,400 (+13.23%) Land $46,800 Building $188,600 |
| 2024 | $824.00 (+4.57%) | ||
| 2023 | $788.00 (+5.91%) Homeowner's exemption | $85,914 (+3%) | $207,900 (+14.74%) Land $42,500 Building $165,400 |
| 2022 | $744.00 Homeowner's exemption | $83,412 | $181,200 Land $35,100 Building $146,100 |
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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