Osceola County property record for 936 Virginia Ave, Saint Cloud, FL 34769
| Property Type | Townhouse |
|---|---|
| Details | 2 bd · 2 ba · 1,113 sqft · built 1981 |
| Lot Size | 0.037 acres (1,655 sqft) |
| Owner | Individual Name on File |
| Last Sale | $200,000 (Jan 2022) |
| Tax Bill | $2,463 (2025) |
| Deeds & Mortgages | Jan 2022 Sale & Mortgage May 2021 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 80888 |
| Primary APN | 80888 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,113 sqft Heated Area |
| Gross Area | 1,458 sqft |
| 1st Floor Area | 1,113 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1981 |
|---|---|
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 1,655 sqft (0.037 acres) |
| Lot Dimensions | 60 ft deep x 27 ft wide |
| Porch | Open Porch |
| Porch Area | 345 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 80888 |
|---|---|
| Street Address | 936 VIRGINIA AVE |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-3432 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Local Zoning Code | SR3 |
| Legal Description | VERACRUZ UNIT 1 PB 2 PG 267 LOT 10 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | VERACRUZ TH |
| Legal Tract | 800 |
| Legal Block | 1 |
| Legal Lot Number | 10 |
| 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 80888
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 |
|---|---|
| Mailing Address | 936 VIRGINIA AVE, SAINT CLOUD, FL 34769-3432 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 18, 2022 | Warranty Deed, Transfer · FHA Mortgage VANDERBILT MORTGAGE & FINANCE INC |
| May 11, 2021 | Warranty Deed, Transfer · FHA Mortgage BANK OF AMERICA NA |
| Nov 13, 2020 | Warranty Deed, Transfer · Conventional Mortgage CALIBER HOME LOANS INC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jan 18, 2022 · Amount on Record |
| Deed Sale | Jan 18, 2022 · Amount on Record |
| Prior Sale | May 11, 2021 · Amount on Record |
| Deed Document Number | 2022008900 |
| Deed Book / Page | 6130 / 2904 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jan 18, 2022 |
| Property Address | 936 VIRGINIA AVE, SAINT CLOUD, FL 34769-3432 |
| Document Number | 0061302904 |
| Book / Page | 6130 / 2904 |
| Map Reference | MB 2 PG 267 |
| Instrument Date | Jan 14, 2022 |
| Instrument | 2022008900 |
| Transaction Type | Transfer |
| Record Updated | Jan 31, 2022 |
| Title Company | NOT AVAILABLE, ROSEMOUNT TITLE INS AGCY LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,400.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 892 GRAPE AVE, 892, SAINT CLOUD, FL 34769-3027 |
| Name | Verified Name |
|---|---|
| Address | 91 10TH ST, SAINT CLOUD, FL 34769-3901 |
| Document Number | 0061302906 |
|---|---|
| Date | Jan 18, 2022 |
| Instrument | 6130/2906 |
| Name | VANDERBILT MORTGAGE & FINANCE INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | May 11, 2021 |
| Property Address | 936 VIRGINIA AVE, SAINT CLOUD, FL 34769-3432 |
| Document Number | 0059551518 |
| Book / Page | 5955 / 1518 |
| Map Reference | MB 2 PG 267 |
| Instrument Date | Apr 30, 2021 |
| Instrument | 2021072277 |
| Transaction Type | Transfer |
| Record Updated | May 25, 2021 |
| Title Company | Z TITLE GROUP LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,211.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4666 WHITE PINE AVE, 4666, KISSIMMEE, FL 34758-2333 |
| Name | Verified Name |
|---|---|
| Address | 2233 JULIANNA CT, SAINT CLOUD, FL 34769-4902 |
| Document Number | 59551520 |
|---|---|
| Date | May 11, 2021 |
| Instrument | 5955/1520 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Nov 13, 2020 |
| Property Address | 936 VIRGINIA AVE, SAINT CLOUD, FL 34769-3432 |
| Document Number | 0058321489 |
| Book / Page | 5832 / 1489 |
| Map Reference | MB 2 PG 267 |
| Instrument Date | Nov 12, 2020 |
| Instrument | 2020155650 |
| Transaction Type | Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | STEWART TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,155.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 701569, SAINT CLOUD, FL 34770-1569 |
| Name | Verified Name |
|---|---|
| Address | 936 VIRGINIA AVE, SAINT CLOUD, FL 34769-3432 |
| Document Number | 0058321490 |
|---|---|
| Date | Nov 13, 2020 |
| Instrument | 5832/1490 |
| Name | CALIBER HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2050 |
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 | $2,463.00 (+4.76%) Homeowner's exemption | $180,500 (+4.52%) Land $30,000 Building $150,500 | $180,500 (+4.52%) Land $30,000 Building $150,500 |
| 2023 | $2,351.00 (-9.4%) Homeowner's exemption | $172,700 (+20.1%) Land $14,900 Building $157,800 | $172,700 (+20.1%) Land $14,900 Building $157,800 |
| 2022 | $2,595.00 | $143,800 Land $14,900 Building $128,900 | $143,800 Land $14,900 Building $128,900 |
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
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 15 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 15 in force |
| Nearby Flood Claims | 2 (1983–2003) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Aug 2003 · tidal / storm surge |
| 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.
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.
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 |
| 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.
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