900 Vermont Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 900 Vermont Ave, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,552 sqft · built 1938
Lot Size	0.412 acres (17,946 sqft)
Owner	2 Individual Names on File
Last Sale	$378,000 (Feb 2025)
Tax Bill	$2,390 (2025)
Deeds & Mortgages	Mar 2026 Second Mortgage May 2026 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`01-26-30-0001-0138-0010`

Property Details

APN / Parcel Number

Primary APN	`01-26-30-0001-0138-0010`
Alternative APNs	`263001000101380010` `77696`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,552 sqft Living Area
Gross Area	2,200 sqft
1st Floor Area	1,552 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1938
Effective Year Built	Effective 1998
Architectural Style	Conventional
Exterior Material	Siding Sheathing
Construction Type	Frame
Foundation Type	Pier/Post & Beam
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	17,946 sqft (0.412 acres)
Lot Dimensions	150 ft deep x 117 ft wide
Garage Type	Attached
Garage Area	408 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Pool Area	36 sqft
Porch	Enclosed/Finished Porch
Porch Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	900 VERMONT AVE
City	SAINT CLOUD
State	FL
Zip	34769-3269
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR2
Legal Description	ST CLOUD PB B PG 53 BLK 138 LOT 1 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	138
Legal Lot Number	1
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	4
Census Block	4000
Census Tract	43400

Owner

900 Vermont Ave is owned and occupied by two individuals who bought it in February 2025.

Source: Osceola County records, as of October 12, 2026

Owner of Record	2 Individual Names on File
Mailing Address	900 VERMONT AVE, SAINT CLOUD, FL 34769-3269
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Mar 12, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage DFCU FINANCIAL
May 8, 2026	Deed of Trust, Mortgage · Conventional Mortgage DFCU FINANCIAL
Oct 10, 2023	Deed of Trust, Mortgage · Line of Credit TRUIST BANK
Nov 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 12, 2025 · Amount on File
Deed Sale	Feb 12, 2025 · Amount on File
Prior Sale	Feb 5, 2016 · Amount on File
Deed Document Number	202518361
Deed Book / Page	6739 / 684
Prior Transfer Date	Jun 23, 2015
Prior Transfer Doc	0047970752
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	900 VERMONT AVE, SAINT CLOUD, FL 34769-3269
Transaction Type	Mortgage
Record Updated	Mar 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0069352710
Date	Mar 12, 2026
Book Page	6935/2710
Instrument	2026032215

Lender

Name	DFCU FINANCIAL
Type	Credit Union
Address	TAMPA, FL 33618

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	119 Months
Due	Feb 27, 2036

Interest

Rate Type	Adjustable Rate

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Recording Date	May 8, 2026
Property Address	900 VERMONT AVE, SAINT CLOUD, FL 34769-3269
Document Number	0000060985
Book / Page	6968 / 1795
Instrument Date	Feb 27, 2026
Instrument	202660985
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10824 N DALE MABRY HWY, TAMPA, FL 33618-4142

Mortgage

Document Number	0000060985,
Date	May 8, 2026
Book Page	6968/1795
Instrument	202660985

Lender

Name	DFCU FINANCIAL

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	117 Months
Due	Feb 27, 2036

Interest

Rate Type	Adjustable Rate
Rate	6.1%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	900 VERMONT AVE, SAINT CLOUD, FL 34769-3269
Transaction Type	Mortgage
Record Updated	Oct 27, 2023
Title Company	ACCURATE GROUP, ACCURATE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	900 VERMONT AVE, SAINT CLOUD, FL 34769-3269

Mortgage

Document Number	0064871807
Date	Oct 10, 2023
Book Page	6487/1807
Instrument	2023133519

Lender

Name	TRUIST BANK
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Sep 16, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	900 VERMONT AVE, SAINT CLOUD, FL 34769-3269
Transaction Type	Mortgage
Record Updated	Dec 8, 2021
Title Company	WATSON TITLE SERVICES INC, WATSON TITLE SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	900 VERMONT AVE, SAINT CLOUD, FL 34769-3269

Mortgage

Document Number	0060882100
Date	Nov 17, 2021
Book Page	6088/2100
Instrument	2021178574

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 900 Vermont Ave was $2,390, up 4.6% from the year before.

Source: Osceola County assessment roll, as of November 26, 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	$2,390.00 (+4.64%)	$176,426	$301,300 Land $63,200 Building $238,100
2024	$2,284.00 (+2.98%)
2023	$2,218.00 (+3.98%) Homeowner's exemption	$165,329 (+3%)	$273,700 (+10.19%) Land $57,500 Building $216,200
2022	$2,133.00 Homeowner's exemption	$160,514	$248,400 Land $51,800 Building $196,600

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 900 Vermont Ave in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 2009.

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
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	4 in force
Nearby Flood Claims	5 (2009–2022)
Claims Outside the SFHA	5 of 5
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.

Wildfire

Wildfire risk around 900 Vermont Ave is low, with a 0.01% annual chance of 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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