824 Vermont Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 824 Vermont Ave, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,104 sqft · built 1935
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on Record
Last Sale	$179,900 (Apr 2019)
Tax Bill	$2,422 (2025)
Deeds & Mortgages	Apr 2019 Sale & Mortgage Feb 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`77375`

Property Details

APN / Parcel Number

Primary APN	`77375`
Alternative APN	`012630000100950090`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,104 sqft Heated Area
Gross Area	1,973 sqft
1st Floor Area	1,104 sqft
Flooring	Tile
Interior Walls	Plaster

Exterior

Year Built	Built 1935
Effective Year Built	Effective 1990
Exterior Material	Vinyl
Foundation Type	Pier/Post & Beam
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	8,712 sqft (0.2 acres)
Lot Dimensions	85 ft deep x 100 ft wide
Garage Type	Detached - Unfinished
Garage Area	240 sqft
Parking Spaces	4 Parking Spaces
Porch	Porch
Porch Area	544 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	77375
Street Address	824 VERMONT AVE
City	SAINT CLOUD
State	FL
Zip	34769-3267
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR2
Legal Description	ST CLOUD PB B PG 34 BLK 95 E 85 FT OF LOTS 9-12 2-26-30
Legal Range	30E
Legal Township	26S
Legal Section	01
Legal Subdivision	ST CLOUD
Legal Tract	1
Legal Block	95
Legal Lot Number	9 12
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3065
Census Tract	43400

Owner

Source: Osceola County records, as of December 11, 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	824 VERMONT AVE, SAINT CLOUD, FL 34769-3267
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 26, 2019	Warranty Deed, Transfer · FHA Mortgage CITIZENS BANK NA
Feb 28, 2017	Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 26, 2019 · Amount on Record
Deed Sale	Apr 26, 2019 · Amount on Record
Prior Sale	Feb 28, 2017 · Amount on Record
Deed Document Number	2019053519
Deed Book / Page	5514 / 0405
Record Updated	Jun 8, 2026

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 26, 2019
Property Address	824 VERMONT AVE, SAINT CLOUD, FL 34769-3267
Document Number	0055140405
Book / Page	5514 / 0405
Map Reference	MB B PG 33&34
Instrument Date	Apr 1, 2019
Instrument	2019053519
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	FIDELITY NATL TTL OF FL INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,259.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1747 MOSS CT, 1747, KISSIMMEE, FL 34744-6629

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	824 VERMONT AVE, SAINT CLOUD, FL 34769-3267

Mortgage

Document Number	2019053520
Date	Apr 26, 2019
Instrument	2019053520

Lender

Name	CITIZENS BANK NA
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2049

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 28, 2017
Property Address	824 VERMONT AVE, SAINT CLOUD, FL 34769-3267
Document Number	0051090730
Book / Page	005109 / 000730
Instrument Date	Feb 28, 2017
Instrument	32296
Transaction Type	Transfer
Record Updated	May 17, 2017
Title Company	TRADITIONS TITLE AND ESCROW LLC, TRADITIONS TITLE & ESCROW LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,134.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	824 VERMONT AVE ST CLOUD FL 347693267, ST CLOUD, FL 34769-3267

Mortgage

Document Number	51090732
Date	Feb 28, 2017
Book Page	005109/000732
Instrument	32297

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 27, 2047

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,422.00 (+6.74%) Homeowner's exemption	$178,218 (+5.99%)	$241,000 (+9.74%) Land $46,800 Building $194,200
2023	$2,269.00 (+3.99%) Homeowner's exemption	$168,152 (+3%)	$219,600 (+10.35%) Land $42,500 Building $177,100
2022	$2,182.00 Homeowner's exemption	$163,255	$199,000 Land $38,200 Building $160,800

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

Flood

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 98 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	110 units insured incl. 12 condo units
Nearby Flood Claims	24 (1994–2022)
Claims Outside the SFHA	3 of 24
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Ian, Sep 2022 · 4 claims Hurricane Ian, Sep 2022 · 2 claims Hurricane Frances, Sep 2004 · 3 claims

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 97.6% 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.

Drinking Water

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

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, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 439 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	8,000 / 8,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Hotwire Communications.

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