Osceola County property record for 928 Virginia Ave, Saint Cloud, FL 34769 · Last verified December 2025
| Property Type | Townhouse |
|---|---|
| Details | 2 bd · 3 ba · 1,539 sqft · built 1981 |
| Lot Size | 0.023 acres (1,045 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $424 (2025) |
| Deeds & Mortgages | Aug 2022 Reverse Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 80885 |
| Primary APN | 80885 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,539 sqft Heated Area |
| Gross Area | 1,728 sqft |
| 1st Floor Area | 747 sqft |
| Upper Floors Area | 792 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1981 |
|---|---|
| Exterior Material | Stucco |
| Construction Type | Frame |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 1,045 sqft (0.023 acres) |
| Lot Dimensions | 57 ft deep x 18 ft wide |
| Porch | Open Porch |
| Porch Area | 189 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 80885 |
|---|---|
| Street Address | 928 VIRGINIA AVE |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-3432 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Legal Description | VERACRUZ UNIT 1 PB 2 PG 267 LOT 8 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | VERACRUZ TH |
| Legal Tract | 800 |
| Legal Block | 1 |
| Legal Lot Number | 8 |
| Legal Unit | 1P |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 4 |
| Census Block | 4001 |
| Census Tract | 43500 |
Source: Osceola County records · APN 80885
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 928 VIRGINIA AVE, SAINT CLOUD, FL 34769-3432 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Dec 03, 2023 |
| Deed Sale | Dec 03, 2023 |
| Prior Sale | Apr 11, 1997 · Amount on Record |
| Deed Book / Page | 01393 / 02047 |
| Prior Transfer Date | Feb 18, 2000 |
| Prior Transfer Doc | 0170302013 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 928 VIRGINIA AVE, SAINT CLOUD, FL 34769-3432 |
| Transaction Type | Mortgage |
| Record Updated | Sep 08, 2022 |
| Name | Verified Name |
|---|---|
| Address | 928 VIRGINIA AVE, SAINT CLOUD, FL 34769-3432 |
| Document Number | 0062750710 |
|---|---|
| Date | Aug 25, 2022 |
| Book Page | 6275/710 |
| Instrument | 2022130547 |
| Name | AMERICAN ADVISORS GROUP |
|---|---|
| Type | Mortgage Company |
| Address | IRVINE, CA 92612 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 897 Months |
| Due | May 13, 2097 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.28% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Oct 01, 2022 |
| Change Frequency | Monthly |
| Index | 1-Year CMT |
| Max Rate | 11.2% |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
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 | $424.00 (+12.77%) Homeowner's exemption Senior Citizen's exemption | $78,243 (+5.99%) | $201,700 (+3.49%) Land $30,000 Building $171,700 |
| 2023 | $376.00 Homeowner's exemption Senior Citizen's exemption | $73,824 | $194,900 Land $14,900 Building $180,000 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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