1102 Pennsylvania Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 1102 Pennsylvania Ave, Saint Cloud, FL 34769

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Details	1,848 sqft · built 1948
Lot Size	0.241 acres (10,497 sqft)
Owner	Individual Name on Record
Tax Bill	$2,653 (2025)
Deeds & Mortgages	Mar 2022 Transfer
Flood Zone	Zone X (minimal risk)
APN	`01-26-30-0001-0187-0010`

Property Details

APN / Parcel Number

Primary APN	`01-26-30-0001-0187-0010`
Alternative APNs	`263001000101870010` `78129`

Interior

Plumbing Fixtures	12 Plumbing Fixtures
Total Rooms	1 Room
Units	6 Units
Stories	1 Story
Building Area	1,848 sqft Gross Area
1st Floor Area	1,320 sqft
Flooring	Tile
Interior Walls	Plaster

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1995
Architectural Style	Custom Design
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Fire Resistance	Fireproof Reinforced Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,497 sqft (0.241 acres)
Lot Dimensions	140 ft deep x 75 ft wide
Porch	Finished/Open Porch
Porch Area	508 sqft

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	1102 PENNSYLVANIA AVE
City	SAINT CLOUD
State	FL
Zip	34769-3750
Property Category	Commercial
Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Local Zoning Code	SCB1
Legal Description	ST CLOUD PB B PG 34 BLK 187 LOTS 1 THRU 3 2/26/30
Legal Range	30E
Legal Township	26S
Legal Section	01
Legal Subdivision	ST CLOUD 2ND PLAT TOWN OF
Legal Tract	1
Legal Block	187
Legal Lot Number	1
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2011
Census Tract	43500

Historic Designation

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.

Owner

Source: Osceola County records, as of November 26, 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	PO BOX 2315, LAKE WALES, FL 33859-2315
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Mar 23, 2022
Transfer Doc	0061802129
Record Updated	Sep 20, 2026

March 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Mar 28, 2022
Property Address	1102 PENNSYLVANIA AVE, SAINT CLOUD, FL 34769-3750
Document Number	0061802129
Book / Page	6180 / 2129
Map Reference	MB B PG 61-64
Instrument Date	Mar 23, 2022
Instrument	2022048523
Transaction Type	Transfer
Record Updated	Apr 7, 2022
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8480 DEER RUN DR, LAKE WALES, FL 33898-7305

Tax Assessment & Valuation

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	$2,653.00 (+11.85%)	$157,700 (+15.03%) Land $109,700 Building $48,000	$157,700 (+15.03%) Land $109,700 Building $48,000
2024	$2,372.00 (+10.53%)	$137,100 (+15.02%) Land $101,000 Building $36,100	$137,100 (+15.02%) Land $101,000 Building $36,100
2023	$2,146.00 (+8.6%)	$119,200 (+8.66%) Land $91,500 Building $27,700	$119,200 (+8.66%) Land $91,500 Building $27,700
2022	$1,976.00	$109,700 Land $76,200 Building $33,500	$109,700 Land $76,200 Building $33,500

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
Flood Insurance Cost	Premium on Record 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

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.

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 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