Osceola County property record for 820 Indiana Ave, Saint Cloud, FL 34769
| Property Type | Multi-Family Dwellings |
|---|---|
| Details | 3 bd · 4 ba · 2,532 sqft · built 1919 |
| Lot Size | 0.26 acres (11,325 sqft) |
| Owner | Company Name on Record |
| Last Sale | $165,000 (Oct 2008) |
| Tax Bill | $12 (2025) |
| Deeds & Mortgages | Sep 2020 Sale Apr 2020 Sale + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-26-30-0001-0107-0090 |
| Primary APN | 01-26-30-0001-0107-0090 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 4 Baths |
| Units | 7 Units |
| Stories | 2 Stories |
| Building Area | 2,532 sqft Living Area |
| Gross Area | 3,018 sqft |
| 1st Floor Area | 1,266 sqft |
| Upper Floors Area | 1,266 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1919 |
|---|---|
| Effective Year Built | Effective 1950 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 11,325 sqft (0.26 acres) |
| Lot Dimensions | 150 ft deep x 75 ft wide |
| Garage Type | Detached |
| Garage Area | 324 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Finished/Open Porch |
| Porch Area | 162 sqft |
| Cooling System | Central |
|---|
| Street Address | 820 INDIANA AVE |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-3354 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Multi-Family Dwellings |
| Local Zoning Code | SR3 |
| Legal Description | ST CLOUD PB B PG 34 BLK 107 LOTS 9-11 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 | 107 |
| Legal Lot Number | 9 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 3 |
| Census Block | 3043 |
| Census Tract | 43500 |
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 | Company Name on Record |
|---|---|
| Mailing Address | 3800 5TH ST, SAINT CLOUD, FL 34769-2024 |
| Owner Type | Company |
| Date | Document |
|---|---|
| Sep 15, 2020 | Warranty Deed, Transfer NOT AVAILABLE |
| Apr 8, 2020 | Warranty Deed, Transfer NOT AVAILABLE |
| Dec 31, 2018 | Loan Modification, Mortgage FLORIDA CMNTY LN FND |
| Apr 1, 2018 | Loan Modification, Mortgage FLORIDA CMNTY LN FND |
| Jul 1, 2017 | Loan Modification, Mortgage · Line of Credit FLORIDA CMNTY LN FND |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 31, 2008 · Amount on Record |
| Deed Sale | Oct 31, 2008 · Amount on Record |
| Prior Sale | Oct 31, 2008 |
| Deed Document Number | 2008178903 |
| Deed Book / Page | 3759 / 1367 |
| Prior Transfer Date | May 14, 2008 |
| Prior Transfer Doc | 0036882285 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Sep 15, 2020 |
| Property Address | 820 INDIANA AVE, SAINT CLOUD, FL 34769-3391 |
| Document Number | 0057932242 |
| Book / Page | 005793 / 002242 |
| Instrument Date | Sep 11, 2020 |
| Instrument | 123001 |
| Transaction Type | Transfer |
| Record Updated | Oct 20, 2020 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 3800 5TH ST ST CLOUD FL 347692024, ST CLOUD, FL 34769-2024 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Apr 8, 2020 |
| Property Address | 820 INDIANA AVE, SAINT CLOUD, FL 34769-3391 |
| Document Number | 0057051477 |
| Book / Page | 005705 / 001477 |
| Instrument Date | Apr 8, 2020 |
| Instrument | 48521 |
| Transaction Type | Transfer |
| Record Updated | Jun 19, 2020 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 3800 5TH ST ST CLOUD FL 347692024, ST CLOUD, FL 34769-2024 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 820 INDIANA AVE, SAINT CLOUD, FL 34769-3391 |
| Document Number | 0055230853 |
| Instrument Date | Dec 31, 2018 |
| Transaction Type | Mortgage |
| Record Updated | May 29, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Document Number | 0055230853 |
|---|---|
| Date | May 13, 2019 |
| Book Page | 005523/000853 |
| Instrument | 61301 |
| Name | FLORIDA CMNTY LN FND |
|---|---|
| Type | Funding / Finance Company |
| Address | ORLANDO, FL 32801 |
| Amount | Amount Recorded |
|---|
| Rate | 4.75% |
|---|
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 820 INDIANA AVE, SAINT CLOUD, FL 34769-3391 |
| Document Number | 0053792670 |
| Instrument Date | Apr 1, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Aug 21, 2018 |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 820 INDIANA AVE ST CLOUD FL 347693391, ST CLOUD, FL 34769-3391 |
| Document Number | 0053792670 |
|---|---|
| Date | Aug 6, 2018 |
| Book Page | 005379/002670 |
| Instrument | 119643 |
| Name | FLORIDA CMNTY LN FND |
|---|---|
| Type | Funding / Finance Company |
| Amount | Amount Recorded |
|---|---|
| Term | 12 Months |
| Due | Aug 5, 2019 |
| Rate | 4.75% |
|---|
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 820 INDIANA AVE, SAINT CLOUD, FL 34769-3391 |
| Document Number | 0052151326 |
| Book / Page | 005215 / 001326 |
| Instrument Date | Jul 1, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Nov 10, 2017 |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Investor | Possibly a Property Investor |
| Document Number | 0052151326 |
|---|---|
| Date | Sep 29, 2017 |
| Book Page | 005215/001326 |
| Instrument | 138688 |
| Name | FLORIDA CMNTY LN FND |
|---|---|
| Type | Funding / Finance Company |
| Address | ORLANDO, FL 32801 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Sep 28, 2018 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.75% |
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 | $12.00 | $206,900 (+4.39%) Land $70,000 Building $136,900 | $206,900 (+4.39%) Land $70,000 Building $136,900 |
| 2024 | $12.00 | ||
| 2023 | $12.00 Additional exemption filed | $198,200 (+31.69%) Land $60,000 Building $138,200 | $198,200 (+31.69%) Land $60,000 Building $138,200 |
| 2022 | $12.00 Additional exemption filed | $150,500 Land $52,000 Building $98,500 | $150,500 Land $52,000 Building $98,500 |
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 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.
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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