821 Illinois Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 821 Illinois Ave, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,619 sqft · built 1960
Lot Size	0.169 acres (7,405 sqft)
Owner	Individual Name on File
Last Sale	$71,500 (Sep 2011)
Tax Bill	$640 (2025)
Deeds & Mortgages	Jun 2018 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`77518`

Property Details

APN / Parcel Number

Primary APN	`77518`
Alternative APN	`012630000101090130`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,619 sqft Heated Area
Gross Area	1,736 sqft
1st Floor Area	1,124 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1980
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,405 sqft (0.169 acres)
Lot Dimensions	150 ft deep x 50 ft wide

Exterior Amenities

Porch	Enclosed Porch
Porch Area	567 sqft
Fence	Fence
Shed	1 Shed
Shed Area	288 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	77518
Street Address	821 ILLINOIS AVE
City	SAINT CLOUD
State	FL
Zip	34769-3467
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR2
Legal Description	ST CLOUD PB B PG 34 BLK 109 LOTS 13 & 14 2/26/30
Legal Range	30E
Legal Township	26S
Legal Section	01
Legal Subdivision	ST CLOUD
Legal Tract	1
Legal Block	109
Legal Lot Number	2,13-14 14
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3045
Census Tract	43500

Owner

Source: Osceola County records · APN 77518

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
Co-owner	Verified Secondary Owner
Mailing Address	821 ILLINOIS AVE, SAINT CLOUD, FL 34769-3467
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 14, 2011 · Amount on Record
Deed Sale	Sep 14, 2011 · Amount on Record
Prior Sale	Apr 11, 2007 · Amount on Record
Deed Document Number	2011129081
Deed Book / Page	4176 / 2310
Record Updated	Jun 08, 2026

June 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OSCEOLA FL
Property Address	821 ILLINOIS AVE, SAINT CLOUD, FL 34769-3467
Document Number	0053660943
Instrument Date	Jun 08, 2018
Transaction Type	Mortgage
Record Updated	Jul 26, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	821 ILLINOIS AVE ST CLOUD FL 347693467, ST CLOUD, FL 34769-3467

Mortgage

Document Number	0053660943
Date	Jul 12, 2018
Book Page	005366/000943
Instrument	106998

Lender

Name	JP MORGAN CHASE BK
Type	Bank
Address	COLUMBUS, OH 43219-6009

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Jul 11, 2043

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	$640.00 (+9.03%) Homeowner's exemption	$78,663 (+5.98%)	$247,100 (+13.45%) Land $46,800 Building $200,300
2023	$587.00 (+1.91%) Homeowner's exemption	$74,221 (+3%)	$217,800 (+18.89%) Land $42,500 Building $175,300
2022	$576.00 Homeowner's exemption	$72,060	$183,200 Land $35,100 Building $148,100

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 67% of the US · lower than 92% of Florida
Wildfire Likelihood	0.02% 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 458 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.