Osceola County property record for 106 Georgia Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,335 sqft · built 1989 |
| Lot Size | 0.169 acres (7,405 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $309,000 (Nov 2022) |
| Tax Bill | $5,087 (2025) |
| Deeds & Mortgages | Nov 2022 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 80470 |
| Primary APN | 80470 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,335 sqft Heated Area |
| Gross Area | 1,954 sqft |
| 1st Floor Area | 1,335 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1989 |
|---|---|
| Exterior Material | Vinyl |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 7,405 sqft (0.169 acres) |
| Lot Dimensions | 150 ft deep x 50 ft wide |
| Garage Type | Finished |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Screened Porch |
| Porch Area | 199 sqft |
| Fence | Fence |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 80470 |
|---|---|
| Street Address | 106 GEORGIA AVE |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-2145 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR2 |
| Legal Description | LAKE FRONT ADDN PB B PG 61-62 BLK 453 LOT 2 LESS S1/2 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD 2ND AND 3RD STREETS |
| Legal Tract | 1 |
| Legal Block | 453 |
| Legal Lot Number | 2 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 3 |
| Census Block | 3008 |
| Census Tract | 43400 |
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 | 1759 LAKEVIEW AVE, DRACUT, MA 01826-3333 |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 4, 2022 · Amount on Record |
| Deed Sale | Nov 4, 2022 · Amount on Record |
| Prior Sale | Dec 19, 2012 · Amount on Record |
| Deed Document Number | 2022162433 |
| Deed Book / Page | 6311 / 897 |
| Record Updated | Jun 8, 2026 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Nov 4, 2022 |
| Property Address | 106 GEORGIA AVE, SAINT CLOUD, FL 34769-2145 |
| Document Number | 0063110897 |
| Book / Page | 6311 / 897 |
| Map Reference | MB B PG 61-64 |
| Instrument Date | Nov 3, 2022 |
| Instrument | 2022162433 |
| Transaction Type | Transfer |
| Record Updated | Nov 22, 2022 |
| Title Company | HOUWZER TITLE LLC, HOUWZER TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,163.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 623 TOWNSEND RD, 623, GROTON, MA 01450-1109 |
| Name | Verified Name |
|---|---|
| Address | 1759 LAKEVIEW AVE, DRACUT, MA 01826-3333 |
| Investor | Possibly a Property Investor |
| Document Number | 0006311900 |
|---|---|
| Date | Nov 4, 2022 |
| Instrument | 6311/900 |
| Name | HOMETOWN LENDERS INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2052 |
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 | $5,087.00 (+13.45%) | $284,000 (+14.15%) Land $54,000 Building $230,000 | $284,000 (+14.15%) Land $54,000 Building $230,000 |
| 2023 | $4,484.00 (+286.55%) | $248,800 (+133.59%) Land $49,500 Building $199,300 | $248,800 (+18.36%) Land $49,500 Building $199,300 |
| 2022 | $1,160.00 Homeowner's exemption | $106,513 | $210,200 Land $45,000 Building $165,200 |
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.
Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 61.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 98 individual policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 110 units insured incl. 12 condo units |
| Nearby Flood Claims | 24 (1994–2022) |
| Claims Outside the SFHA | 3 of 24 |
| Most Recent Claim | Sep 2022 · Hurricane Ian |
| Claims by Event |
|
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: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 65% of the US · lower than 91% of Florida |
|---|---|
| Wildfire Likelihood | 0.03% 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 368 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CenturyLink Fiber | 8,000 / 8,000 |
| Spectrum Cable | 1,000 / 1,000 |
May also be available: AT&T, Verizon.
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