1008 Georgia Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 1008 Georgia Ave, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,146 sqft · built 1986
Lot Size	0.169 acres (7,405 sqft)
Owner	Individual Name on Record
Last Sale	$160,000 (Feb 2018)
Tax Bill	$1,640 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Feb 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`77759`

Property Details

APN / Parcel Number

Primary APN	`77759`
Alternative APN	`012630000101480070`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,146 sqft Heated Area
Gross Area	1,434 sqft
1st Floor Area	1,146 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1996
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,405 sqft (0.169 acres)

Exterior Amenities

Porch	Finished/Screened Porch
Porch Area	288 sqft
Fence	Fence
Shed	1 Shed
Shed Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	77759
Street Address	1008 GEORGIA AVE
City	SAINT CLOUD
State	FL
Zip	34769-3565
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ST CLOUD PB B PG 34 BLK 148 LOTS 7 & 8 3/26/30
Legal Range	30E
Legal Township	26S
Legal Section	01
Legal Subdivision	ST CLOUD
Legal Tract	1
Legal Block	148
Legal Lot Number	3,7-8
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	4
Census Block	4010
Census Tract	43400

Owner

Source: Osceola County records, as of December 11, 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 Record
Mailing Address	1008 GEORGIA AVE, SAINT CLOUD, FL 34769-3565
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 18, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Feb 7, 2018	Warranty Deed, Transfer · VA Mortgage ALKAN MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 7, 2018 · Amount on Record
Deed Sale	Feb 7, 2018 · Amount on Record
Prior Sale	Dec 1, 2000 · Amount on Record
Deed Document Number	2018020850
Deed Book / Page	5281 / 2742
Record Updated	Jun 8, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1008 GEORGIA AVE, SAINT CLOUD, FL 34769-3565
Transaction Type	Mortgage
Record Updated	Feb 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1008 GEORGIA AVE, SAINT CLOUD, FL 34769-3565

Mortgage

Document Number	0059841009
Date	Jun 18, 2021
Book Page	5984/1009
Instrument	2021095604

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	322 Months
Due	Apr 1, 2048

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 7, 2018
Property Address	1008 GEORGIA AVE, SAINT CLOUD, FL 34769-3565
Document Number	0052812742
Book / Page	5281 / 2742
Map Reference	MB B PG33&34
Instrument Date	Feb 6, 2018
Instrument	2018020850
Transaction Type	Transfer
Record Updated	Nov 24, 2021
Title Company	STEWART TITLE CO

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,120.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	893 SENECA TRL, 893, SAINT CLOUD, FL 34772-7783

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1008 GEORGIA AVE, SAINT CLOUD, FL 34769-3565

Mortgage

Document Number	2018020851
Date	Feb 7, 2018
Instrument	2018020851

Lender

Name	ALKAN MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2048

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,640.00 (+8.18%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$144,511 (+5.99%)	$245,800 (+12.03%) Land $46,800 Building $199,000
2023	$1,516.00 (-0.72%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$136,349 (+3%)	$219,400 (+18.21%) Land $42,500 Building $176,900
2022	$1,527.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$132,378	$185,600 Land $35,100 Building $150,500

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	4 in force
Nearby Flood Claims	5 (2009–2022)
Claims Outside the SFHA	5 of 5
Most Recent Claim	Sep 2022 · Hurricane Ian

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 97.6% 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 539 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

May also be available: AT&T, Verizon.

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