1003 Florida Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 1003 Florida Ave, Saint Cloud, FL 34769 · Last verified December 2025

Property Highlights

Property Type	Commercial > Office > Multi-Story Office Building
Year Built	Built 2005
Square Footage	4,420 sqft Heated Area
Lot Size	6,970 sqft (0.16 acres)
Occupancy	Owner Occupied
Last Sale	$450,000 (2006)
Tax Bill	$6,891.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`77927`
Alternative APN	`012630000101640230`

Interior

Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	5 Rooms
Building Area	4,420 sqft Heated Area
Gross Area	4,440 sqft Gross Area
1st Floor Area	2,920 sqft 1st Floor
Upper Floors Area	1,500 sqft Upper Floors
Stories	2 Stories
Flooring	Carpet
Interior Walls	Paneling

Exterior

Year Built	Built 1955
Effective Year Built	Effective 2005
Exterior Material	Metal
Fire Resistance	Masonry Walls, Wood Interior
Foundation Type	Footing
Roof Type	Wood Truss
Roof Material	Rolled Roofing
Lot Area	6,970 sqft (0.16 acres)
Lot Dimensions	150 ft deep x 50 ft wide
Porch	Open Porch
Porch Area	20 sqft Porch

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	77927
Street Address	1003 FLORIDA AVE
City	SAINT CLOUD
State	FL
Zip	34769-3717
Property Category	Commercial
Property Type	Commercial > Office > Multi-Story Office Building
Legal Description	ST CLOUD PB B PG 34 BLK 164 LOTS 23 & 24 2/26/30
Legal Range	30E
Legal Township	26S
Legal Section	01
Legal Subdivision	ST CLOUD DOWNTOWN BUSINESS DISTRICT
Legal Tract	1
Legal Block	164
Legal Lot Number	2,23-24 24
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	4
Census Block	4006
Census Tract	43500

Owner

Source: Osceola County records · APN 77927

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	Trust Name on File
Co-owner	Verified Secondary Owner
Mailing Address	1003 FLORIDA AVE, SAINT CLOUD, FL 34769-3717
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 18, 2006 · Amount on Record
Deed Sale	Sep 18, 2006 · Amount on Record
Prior Sale	Dec 19, 2002 · Amount on Record
Deed Document Number	2006229346
Deed Book / Page	3279 / 0661
Record Updated	Jun 08, 2026

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1003 FLORIDA AVE, SAINT CLOUD, FL 34769-3717
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0051091236
Date	Mar 01, 2017
Book Page	5109/1236
Instrument	2017032410

Lender

Name	PNC BANK NA
Type	Bank
Address	ORLANDO, FL 32801

Agreement

Type	Line of Credit
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 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

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	$6,891.00 (+9.12%)	$385,000 (+3.66%) Land $60,000 Building $325,000	$385,000 (+3.66%) Land $60,000 Building $325,000
2023	$6,315.00 (+10.71%)	$371,400 (+12.51%) Land $50,000 Building $321,400	$371,400 (+12.51%) Land $50,000 Building $321,400
2022	$5,704.00	$330,100 Land $41,700 Building $288,400	$330,100 Land $41,700 Building $288,400

Flood & Wildfire

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

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

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.

Historic Designation

Source: NPS National Register of Historic Places · August 1, 2026 release · Last verified October 2026

Historic District	Within the St. Cloud Downtown Historic District listed 2023 · 177 contributing resources · NRIS 100009031

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.