Osceola County property record for 1006 Pennsylvania Ave, Saint Cloud, FL 34769
| Property Type | Professional Building (Legal, Insurance, Real Estate, Business) |
|---|---|
| Details | 1,992 sqft · built 1959 |
| Lot Size | 0.08 acres (3,485 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $269,900 (Mar 2017) |
| Tax Bill | $3,564 (2025) |
| Deeds & Mortgages | Feb 2022 Line of Credit Mar 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 77893 |
| Primary APN | 77893 |
|---|---|
| Alternative APN |
|
| Plumbing Fixtures | 9 Plumbing Fixtures |
|---|---|
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,992 sqft Heated Area |
| Gross Area | 2,184 sqft |
| 1st Floor Area | 1,992 sqft |
| Flooring | Tile |
| Interior Walls | Paneling |
| Year Built | Built 1959 |
|---|---|
| Effective Year Built | Effective 2003 |
| Exterior Material | Brick |
| Fire Resistance | Masonry Walls, Wood Interior |
| Foundation Type | Footing |
| Roof Type | Rigid Frame Bar Joist |
| Roof Material | Built-Up Asphalt |
| Lot Area | 3,485 sqft (0.08 acres) |
| Lot Dimensions | 140 ft deep x 25 ft wide |
| Porch | Open Porch |
| Porch Area | 192 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 77893 |
|---|---|
| Street Address | 1006 PENNSYLVANIA AVE |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-3748 |
| Property Category | Commercial |
| Property Type | Commercial > Office > Professional Building (Legal, Insurance, Real Estate, Business) |
| Local Zoning Code | SCB1 |
| Legal Description | ST CLOUD PB B PG 34 BLK 162 LOT 4 2/26/30 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD DOWNTOWN BUSINESS DISTRICT |
| Legal Tract | 1 |
| Legal Block | 162 |
| Legal Lot Number | 2,4 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 43500 |
Source: NPS National Register of Historic Places, as of August 1, 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.
1006 Pennsylvania Ave, a commercial property, is owned by two individuals who bought it in March 2017.
Source: Osceola County records, as of December 11, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1390 OUTBACK RD, SAINT CLOUD, FL 34771-7890 |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Feb 14, 2022 | Deed of Trust, Mortgage · Line of Credit BANKFLORIDA |
| Mar 8, 2017 | Warranty Deed, Transfer · Conventional with PMI SCOTT A & BARBARA W STOLL |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 8, 2017 · Amount on File |
| Deed Sale | Mar 8, 2017 · Amount on File |
| Prior Sale | Feb 12, 2001 · Amount on File |
| Deed Document Number | 2017036710 |
| Deed Book / Page | 5113 / 2491 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1006 PENNSYLVANIA AVE, SAINT CLOUD, FL 34769-3748 |
| Transaction Type | Mortgage |
| Record Updated | Mar 3, 2022 |
| Name | Verified Name |
|---|---|
| Address | 2478 1ST AVE A, A, FERNANDINA BEACH, FL 32034-6387 |
| Document Number | 0061500626 |
|---|---|
| Date | Feb 14, 2022 |
| Book Page | 6150/626 |
| Instrument | 2022024416 |
| Name | BANKFLORIDA |
|---|---|
| Type | Bank |
| Address | DADE CITY, FL 33525 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Mar 8, 2017 |
| Property Address | 1006 PENNSYLVANIA AVE, SAINT CLOUD, FL 34769-3748 |
| Document Number | 0051132491 |
| Book / Page | 005113 / 002491 |
| Instrument Date | Feb 24, 2017 |
| Instrument | 36710 |
| Transaction Type | Transfer |
| Record Updated | Apr 11, 2017 |
| Title Company | CLASSIC TITLE AND SOLUTIONS INC, CLASSIC TITLE & SOLUTIONS INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,889.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1006 PENNSYLVANIA AVE ST CLOUD FL 347693748, ST CLOUD, FL 34769-3748 |
| Document Number | 51132492 |
|---|---|
| Date | Mar 8, 2017 |
| Book Page | 005113/002492 |
| Instrument | 36711 |
| Name | SCOTT A & BARBARA W STOLL |
|---|---|
| Address | PO BOX 701934, ST CLOUD, FL 34770-1934 |
| Special Notes | Seller Financed |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 60 Months |
| Due | Mar 7, 2022 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6% |
The 2025 property tax bill for 1006 Pennsylvania Ave was $3,564.
Source: Osceola County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,564.00 | $238,900 Land $32,800 Building $206,100 | $238,900 Land $32,800 Building $206,100 |
| 2023 | $3,152.00 (+26.18%) | $230,200 (+61.77%) Land $27,300 Building $202,900 | $230,200 (+61.77%) Land $27,300 Building $202,900 |
| 2022 | $2,498.00 | $142,300 Land $22,800 Building $119,500 | $142,300 Land $22,800 Building $119,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1006 Pennsylvania Ave in Zone X, an area of minimal flood risk.
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 |
| Flood Insurance Cost | Premium on File median of 12 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 12 in force |
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 risk around 1006 Pennsylvania 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 80% of the US · lower than 93% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 526 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CenturyLink 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 |
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