1110 Missouri Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 1110 Missouri Ave, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,060 sqft · built 1920
Lot Size	0.172 acres (7,492 sqft)
Owner	Individual Name on File
Last Sale	$121,500 (Jul 2019)
Tax Bill	$4 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Sep 2023 Second Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`01-26-30-0001-0193-0050`

Property Details

APN / Parcel Number

Primary APN	`01-26-30-0001-0193-0050`
Alternative APNs	`263001000101930050` `78194`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,060 sqft Living Area
Gross Area	1,512 sqft
1st Floor Area	736 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1985
Architectural Style	Custom Design
Exterior Material	Aluminum Siding
Construction Type	Frame
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	220 sqft
Carport	Carport
Carport Area	220 sqft
Parking Spaces	1 Parking Space
Porch	Florida Room
Porch Area	396 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1110 MISSOURI AVE
City	SAINT CLOUD
State	FL
Zip	34769-3660
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR2
Legal Description	ST CLOUD PB B PG 34 BLK 193 LOTS 5 & 6 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	193
Legal Lot Number	5
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2033
Census Tract	43400

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

1110 Missouri Ave is owned and occupied by an individual who bought it in July 2019.

Source: Osceola County records, as of November 26, 2025

Owner of Record	Individual Name on File
Mailing Address	1110 MISSOURI AVE, SAINT CLOUD, FL 34769-3660
Occupancy	Owner Occupied
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.

Deeds, Mortgages & Sale History

Date	Document
Oct 13, 2025	Deed of Trust, Mortgage · VA Mortgage ADVANTAGEFIRST LENDING INC
Sep 26, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage PENNYMAC LOAN SERVICES LLC
Jun 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Jul 15, 2019	Warranty Deed, Transfer · Conventional Mortgage CITY NATIONAL BANK OF FLORIDA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 15, 2019 · Amount on File
Deed Sale	Jul 15, 2019 · Amount on File
Prior Sale	Nov 14, 2013 · Amount on File
Deed Document Number	201990065
Deed Book / Page	5556 / 880
Prior Transfer Date	Oct 21, 1996
Prior Transfer Doc	0135601220
Record Updated	Jun 8, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1110 MISSOURI AVE, SAINT CLOUD, FL 34769-3660
Transaction Type	Mortgage
Record Updated	Oct 23, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1110 MISSOURI AVE, SAINT CLOUD, FL 34769-3660

Mortgage

Document Number	0068632353
Date	Oct 13, 2025
Book Page	6863/2353
Instrument	2025126731

Lender

Name	ADVANTAGEFIRST LENDING INC
Type	Lending Institution
Address	LAKE FOREST, CA 92630

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	324 Months
Due	Oct 1, 2052

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1110 MISSOURI AVE, SAINT CLOUD, FL 34769-3660
Transaction Type	Mortgage
Record Updated	Oct 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1110 MISSOURI AVE, SAINT CLOUD, FL 34769-3660

Mortgage

Document Number	0064782618
Date	Sep 26, 2023
Book Page	6478/2618
Instrument	2023125555

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	241 Months
Due	Oct 1, 2043

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1110 MISSOURI AVE, SAINT CLOUD, FL 34769-3660
Transaction Type	Mortgage
Record Updated	Aug 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1110 MISSOURI AVE, SAINT CLOUD, FL 34769-3660

Mortgage

Document Number	0059810410
Date	Jun 15, 2021
Book Page	5981/410
Instrument	2021092772

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

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

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 15, 2019
Property Address	1110 MISSOURI AVE, SAINT CLOUD, FL 34769-3660
Document Number	0055560880
Book / Page	5556 / 0880
Map Reference	MB B PG 33
Instrument Date	Jul 3, 2019
Instrument	2019090065
Transaction Type	Transfer
Record Updated	Aug 1, 2022
Title Company	FIRST INTERNATIONAL TTL INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$850.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6009 N MAIN ST, 6009, HOUSTON, TX 77009-2428

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	501 W NEW NOLTE RD, SAINT CLOUD, FL 34769-5727

Mortgage

Document Number	0005556882
Date	Jul 15, 2019
Instrument	5556/882

Lender

Name	CITY NATIONAL BANK OF FLORIDA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 1110 Missouri Ave was $4 with exemptions applied.

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	$4.00 Homeowner's exemption Veteran's exemption	$110,304	$153,600 Land $46,800 Building $106,800
2024	$4.00
2023	$4.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$104,074 (+3%)	$137,700 (+18.1%) Land $42,500 Building $95,200
2022	$4.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$101,043	$116,600 Land $35,100 Building $81,500

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

Flood

FEMA maps place 1110 Missouri 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 18 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	18 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 1110 Missouri 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 96% of the US · lower than 96% 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 439 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
Verizon Fixed Wireless	300 / 20

May also be available: Hotwire Communications.

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