1010 Mississippi Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 1010 Mississippi Ave, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,124 sqft · built 1942
Lot Size	0.172 acres (7,492 sqft)
Owner	Individual Name on File
Last Sale	$322,800 (Mar 2026)
Tax Bill	$1,946 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Mar 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`01-26-30-0001-0174-0050`

Property Details

APN / Parcel Number

Primary APN	`01-26-30-0001-0174-0050`
Alternative APNs	`263001000101740050` `78007`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,124 sqft Living Area
Gross Area	1,361 sqft
1st Floor Area	836 sqft
Upper Floors Area	288 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1942
Effective Year Built	Effective 1999
Architectural Style	Custom Design
Exterior Material	Combination
Construction Type	Frame
Foundation Type	Pier/Post & Beam
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	7,492 sqft (0.172 acres)
Lot Dimensions	150 ft deep x 0.5 ft wide
Garage Type	Carport
Garage Area	540 sqft
Carport	Carport
Carport Area	540 sqft

Exterior Amenities

Porch	Florida Room
Porch Area	237 sqft
Patio Area	607 sqft
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	1010 MISSISSIPPI AVE
City	SAINT CLOUD
State	FL
Zip	34769-3975
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR2
Legal Description	ST CLOUD PB B PG 34 BLK 174 LOTS 5 & 6 1/26/30
Legal Range	30E
Legal Township	26S
Legal Section	01
Legal Subdivision	ST CLOUD 2ND PLAT TOWN OF
Legal Tract	1
Legal Block	174
Legal Lot Number	5
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	5
Census Block	5064
Census Tract	43500

Owner

1010 Mississippi Ave is owned and occupied by an individual who bought it in March 2026.

Source: Osceola County records, as of March 27, 2026

Owner of Record	Individual Name on File
Mailing Address	1010 MISSISSIPPI AVE, SAINT CLOUD, FL 34769-3975
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Nov 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage THE MORTGAGE FIRM INC
Mar 10, 2026	Warranty Deed, Transfer · Conventional Mortgage THE MORTGAGE FIRM INC
Jan 25, 2021	Warranty Deed, Transfer · Balloon Mortgage DM PARTNERSHIP LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 10, 2026 · Amount on File
Deed Sale	Mar 10, 2026 · Amount on File
Prior Sale	Jan 25, 2021 · Amount on File
Deed Document Number	202631097
Deed Book / Page	6934 / 1665
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1010 MISSISSIPPI AVE, SAINT CLOUD, FL 34769-3975
Transaction Type	Mortgage
Record Updated	Mar 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1010 MISSISSIPPI AVE, SAINT CLOUD, FL 34769-3975

Mortgage

Document Number	0060850716
Date	Nov 12, 2021
Book Page	6085/716
Instrument	2021176008

Lender

Name	THE MORTGAGE FIRM INC
Type	Mortgage Company
Address	ALTAMONTE SPRINGS, FL 32714

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2051

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 10, 2026
Property Address	1010 MISSISSIPPI AVE, SAINT CLOUD, FL 34769-3975
Document Number	0069341665
Book / Page	6934 / 1665
Map Reference	MB B PG 33&34
Instrument Date	Mar 3, 2026
Instrument	2026031097
Transaction Type	Transfer
Record Updated	Mar 25, 2026
Title Company	ORLANDO TITLE PROFESSIONALS LL, LAND TITLE PROFESSIONALS LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,259.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6835 CALIPH AVE, COCOA, FL 32927-8358

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1010 MISSISSIPPI AVE, SAINT CLOUD, FL 34769-3975

Mortgage

Document Number	0069341667
Date	Mar 10, 2026
Instrument	6934/1667

Lender

Name	THE MORTGAGE FIRM INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2056

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 25, 2021
Property Address	1010 MISSISSIPPI AVE, SAINT CLOUD, FL 34769-3975
Document Number	0058761905
Book / Page	5876 / 1905
Map Reference	MB B PG 33&34
Instrument Date	Dec 21, 2020
Instrument	2021010777
Transaction Type	Transfer
Record Updated	Aug 1, 2022
Title Company	ARTESIAN TITLE, ARTESIAN TITLE INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,470.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4440 DEER RUN RD, 4440, SAINT CLOUD, FL 34772-8052

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1010 MISSISSIPPI AVE, SAINT CLOUD, FL 34769-3975

Mortgage

Document Number	0058761907
Date	Jan 25, 2021
Instrument	5876/1907

Lender

Name	DM PARTNERSHIP LLC
Type	Non-Lending Institution

Agreement

Type	Balloon Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 1010 Mississippi Ave was $1,946 with a homeowner's exemption, up 3.8% from the year before.

Source: Osceola County assessment roll, as of November 26, 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	$1,946.00 (+3.79%) Homeowner's exemption	$151,628	$241,000 Land $46,800 Building $194,200
2024	$1,875.00 (+3.19%)
2023	$1,817.00 (+4.25%) Homeowner's exemption	$143,064 (+3%)	$220,900 (+11.51%) Land $42,500 Building $178,400
2022	$1,743.00 Homeowner's exemption	$138,898	$198,100 Land $35,100 Building $163,000

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.

Flood

FEMA maps place 1010 Mississippi 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 51 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	51 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

Wildfire risk around 1010 Mississippi Ave is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 66% of the US · lower than 91% of Florida
Wildfire Likelihood	0.02% 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 356 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	2,000 / 1,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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