820 Ohio Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 820 Ohio Ave, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 656 sqft · built 1940
Lot Size	0.089 acres (3,920 sqft)
Owner	Individual Name on File
Last Sale	$125,000 (Mar 2019)
Tax Bill	$2,961 (2025)
Deeds & Mortgages	Mar 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`77487`

Property Details

APN / Parcel Number

Primary APN	`77487`
Alternative APN	`012630000101060110`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Stories	1 Story
Building Area	656 sqft Heated Area
Gross Area	2,292 sqft
1st Floor Area	528 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	3,920 sqft (0.089 acres)
Lot Dimensions	150 ft deep x 25 ft wide
Garage Type	Mixed
Garage Area	1,232 sqft
Parking Spaces	5 Parking Spaces
Porch	Enclosed Porch
Porch Area	168 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	77487
Street Address	820 OHIO AVE
City	SAINT CLOUD
State	FL
Zip	34769-3366
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR3
Legal Description	ST CLOUD PB B PG 34 BLK 106 LOT 11 2/26/30
Legal Range	30E
Legal Township	26S
Legal Section	01
Legal Subdivision	ST CLOUD
Legal Tract	1
Legal Block	106
Legal Lot Number	2,11
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3042
Census Tract	43500

Owner

Source: Osceola County records · APN 77487

Assessment roll updated July 1, 2025 · Last verified December 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 File
Mailing Address	818 INDIANA AVE, SAINT CLOUD, FL 34769-3354
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Mar 06, 2019 · Amount on Record
Deed Sale	Mar 06, 2019 · Amount on Record
Deed Document Number	2019029098
Deed Book / Page	5487 / 2359
Record Updated	Jun 08, 2026

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 06, 2019
Property Address	820 OHIO AVE, SAINT CLOUD, FL 34769-3366
Document Number	0054872359
Book / Page	005487 / 002359
Instrument Date	Mar 01, 2019
Instrument	29098
Transaction Type	Transfer
Record Updated	Mar 21, 2019
Title Company	CLASSIC TITLE AND SOLUTIONS INC, CLASSIC TITLE & SOLUTIONS INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$875.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	818 INDIANA AVE ST CLOUD FL 347693354, ST CLOUD, FL 34769-3354

Mortgage

Document Number	54872361
Date	Mar 06, 2019
Book Page	005487/002361
Instrument	29099

Lender

Name	KURT E CHANA
Address	188 S SHADOWBAY BLVD, LONGWOOD, FL 32779-4421

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Mar 05, 2024

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Municipality	St. Cloud City
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,961.00 (+19.15%)	$180,100 (+18.25%) Land $37,400 Building $142,700	$180,100 (+18.25%) Land $37,400 Building $142,700
2023	$2,485.00 (+10.89%)	$152,300 (+12.9%) Land $27,200 Building $125,100	$152,300 (+12.9%) Land $27,200 Building $125,100
2022	$2,241.00	$134,900 Land $24,500 Building $110,400	$134,900 Land $24,500 Building $110,400

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

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 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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Lumen Technologies 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

Based on FCC filings for 526 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	ST. CLOUD, CITY OF (3 WPS) serves 82,752 people
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	2 ppb (2023) action level 15 ppb

Violations Reported to EPA

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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.