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932 Virginia Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 932 Virginia Ave, Saint Cloud, FL 34769 · Last verified August 2026

Property Summary

Property TypeSingle Family Home
Details2 bd · 2.5 ba · 1,539 sqft · built 1981
Lot Size0.024 acres (1,045 sqft)
Owner2 Individual Names on File
Last Sale$275,000 (Mar 2023)
Tax Bill$2,842 (2025)
Deeds & MortgagesMar 2023 Transfer
Mar 2023 Sale & Mortgage
+ 2 more
Flood ZoneZone X (minimal risk)
APN01-26-30-0800-0001-0090

Property Details

APN / Parcel Number

Primary APN01-26-30-0800-0001-0090
Alternative APNs
  • 263001080000010090
  • 80886

Interior

Bedrooms2 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area1,539 sqft Living Area
Gross Area1,584 sqft
1st Floor Area747 sqft
Upper Floors Area792 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1981
Effective Year BuiltEffective 1981
Architectural StyleL-Shape
Exterior MaterialConcrete Block
Construction TypeMasonry / Concrete Block
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area1,045 sqft (0.024 acres)
Lot Dimensions57 ft deep x 18 ft wide
PorchFlorida Room
Porch Area189 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address932 VIRGINIA AVE
CitySAINT CLOUD
StateFL
Zip34769-3432
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionVERACRUZ UNIT 1 PB 2 PG 267 LOT 9
Legal Range30E
Legal Township26S
Legal Section01
Legal SubdivisionVERA CRUZ UNIT 1
Legal Tract800
Legal Block90
Legal Lot Number9
Legal Unit1P
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group4
Census Block4001
Census Tract43500

Owner

Source: Osceola County records · APN 01-26-30-0800-0001-0090

Assessment roll updated November 26, 2025 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address932 VIRGINIA AVE, SAINT CLOUD, FL 34769-3432
OccupancyOwner Occupied
Owner TypeIndividual
VestingSingle Man

Deeds, Mortgages & Sale History

DateDocument
Mar 13, 2023Correction Deed
A CLEAR CHOICE TITLE AND ESCROW, A CLEAR CHOICE T&E OF OSCEOL
Mar 09, 2023Warranty Deed, Transfer · FHA Mortgage
NEW AMERICAN FUNDING LLC
Aug 21, 2018Deed of Trust, Mortgage · Conventional Mortgage
CENTRAL FLORIDA EDUCATORS FCU
Jun 20, 2017Grant Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleMar 09, 2023 · Amount on Record
Deed SaleMar 09, 2023 · Amount on Record
Prior SaleSep 27, 2013 · Amount on Record
Deed Document Number202327864
Deed Book / Page6369 / 538
Record UpdatedSep 20, 2026

March 2023: Correction Deed

Document TypeCorrection Deed
JurisdictionOSCEOLA FL
Recording DateMar 13, 2023
Property Address932 VIRGINIA AVE, SAINT CLOUD, FL 34769-3432
Document Number0063692799
Book / Page6369 / 2799
Map ReferenceMB 2 PG 267
Instrument DateMar 09, 2023
Instrument2023028588
Record UpdatedMar 27, 2023
Title CompanyA CLEAR CHOICE TITLE AND ESCROW, A CLEAR CHOICE T&E OF OSCEOL

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated

Transferred From (Grantor/Seller)

NameVerified Name
Address81 E POND RD, OAKLAND, ME 04963-4007

Transferred To (Grantee/Buyer)

NameVerified Name
Address932 VIRGINIA AVE, SAINT CLOUD, FL 34769-3432

March 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateMar 09, 2023
Property Address932 VIRGINIA AVE, SAINT CLOUD, FL 34769-3432
Document Number0063690538
Book / Page6369 / 538
Map ReferenceMB 2 PG 267
Instrument DateMar 08, 2023
Instrument2023027864
Transaction TypeTransfer
Record UpdatedMar 27, 2023
Title CompanyA CLEAR CHOICE TITLE AND ESCROW, A CLEAR CHOICE T&E OF OSCEOL

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,925.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address81 E POND RD, OAKLAND, ME 04963-4007

Transferred To (Grantee/Buyer)

NameVerified Name
Address932 VIRGINIA AVE, SAINT CLOUD, FL 34769-3432

Mortgage

Document Number0006369539
DateMar 09, 2023
Instrument6369/539
Lender
NameNEW AMERICAN FUNDING LLC
TypeNon-Lending Institution
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueApr 01, 2053

August 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address932 VIRGINIA AVE, SAINT CLOUD, FL 34769-3432
Transaction TypeMortgage
Record UpdatedFeb 05, 2021
Title CompanySTEWART TITLE CO

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0053881685
DateAug 21, 2018
Book Page5388/1685
Instrument2018127392
Lender
NameCENTRAL FLORIDA EDUCATORS FCU
TypeCredit Union
AddressLAKE MARY, FL 32746
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueSep 01, 2048

June 2017: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionOSCEOLA FL
Recording DateJun 20, 2017
Property Address932 VIRGINIA AVE, SAINT CLOUD, FL 34769-3432
Document Number0051662359
Book / Page005166 / 002359
Instrument DateJun 20, 2017
Instrument89611
Transaction TypeTransfer
Record UpdatedJul 21, 2017
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address924 VIRGINIA AVE ST CLOUD FL 347693432, ST CLOUD, FL 34769-3432

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified August 2026

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

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.

YearTax BillAssessed ValueAssessed Market Value
2025$2,842.00 (-2.84%) Homeowner's exemption$201,700 (+103.99%) Land $30,000 Building $171,700$201,700 (+3.49%) Land $30,000 Building $171,700
2024$2,925.00 (+186.48%)
2023$1,021.00 (+5.26%) Homeowner's exemption$98,877 (+3%)$194,900 (+20.31%) Land $14,900 Building $180,000
2022$970.00 Homeowner's exemption$95,998$162,000 Land $14,900 Building $147,100

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970435004, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 15 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies15 in force
Nearby Flood Claims2 (1983–2003)
Claims Outside the SFHA1 of 2
Most Recent ClaimAug 2003, tidal / storm surge

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
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, availability as of December 31, 2025 · Published October 2026 · based on 458 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
Lumen TechnologiesFiber8,000 / 8,000
SpectrumCable1,000 / 1,000
VerizonFixed Wireless300 / 20
AT&TFixed Wireless100 / 20
StarlinkSatellite (low-earth orbit)280 / 30

May also be available at this address: Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

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