Osceola County property record for 112 Georgia Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,205 sqft · built 1988 |
| Lot Size | 0.172 acres (7,492 sqft) |
| Owner | Individual Name on File |
| Last Sale | $240,000 (Sep 2021) |
| Tax Bill | $4,647 (2025) |
| Deeds & Mortgages | Oct 2021 Mortgage Sep 2021 Sale |
| Flood Zone | Zone AE (high risk) |
| APN | 01-26-30-0001-0453-0021 |
| Primary APN | 01-26-30-0001-0453-0021 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,205 sqft Living Area |
| Gross Area | 1,640 sqft |
| 1st Floor Area | 1,205 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1988 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 7,492 sqft (0.172 acres) |
| Lot Dimensions | 150 ft deep x 0.5 ft wide |
| Garage Type | Attached |
| Garage Area | 380 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Finished/Open Porch |
| Porch Area | 55 sqft |
| Patio Area | 132 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 112 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 S1/2 OF LOT 2 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD 2ND PLAT TOWN OF |
| 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 assessment roll, APN 01-26-30-0001-0453-0021, as of November 26, 2025 · Last verified April 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 112 GEORGIA AVE, SAINT CLOUD, FL 34769-2145 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 19, 2021 | Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE |
| Sep 13, 2021 | Warranty Deed, Transfer ALPHA RELIABLE TITLE INC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Sep 13, 2021 · Amount on Record |
| Deed Sale | Sep 13, 2021 · Amount on Record |
| Prior Sale | Dec 27, 2011 · Amount on Record |
| Deed Document Number | 2021142023 |
| Deed Book / Page | 6042 / 1386 |
| Prior Transfer Date | Aug 25, 2006 |
| Prior Transfer Doc | 0032991818 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 112 GEORGIA AVE, SAINT CLOUD, FL 34769-2145 |
| Transaction Type | Mortgage |
| Record Updated | Nov 03, 2021 |
| Title Company | PEER TITLE INC |
| Name | Verified Name |
|---|---|
| Address | 112 GEORGIA AVE, SAINT CLOUD, FL 34769-2145 |
| Document Number | 0060681118 |
|---|---|
| Date | Oct 19, 2021 |
| Book Page | 6068/1118 |
| Instrument | 2021162656 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | BRAZIL, IN 47834 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Sep 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Sep 13, 2021 |
| Property Address | 112 GEORGIA AVE, SAINT CLOUD, FL 34769-2145 |
| Document Number | 0060421386 |
| Book / Page | 6042 / 1386 |
| Map Reference | MB B PG 61 |
| Instrument Date | Aug 05, 2021 |
| Instrument | 2021142023 |
| Transaction Type | Transfer |
| Record Updated | Sep 28, 2021 |
| Title Company | ALPHA RELIABLE TITLE INC |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,680.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 112 GEORGIA AVE, SAINT CLOUD, FL 34769-2145 |
Source: Osceola County assessment roll as of November 26, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,647.00 (+7.37%) | $261,600 (+13.99%) Land $54,000 Building $207,600 | $261,600 (+13.99%) Land $54,000 Building $207,600 |
| 2024 | $4,328.00 (+9.9%) | ||
| 2023 | $3,938.00 (+12.42%) | $229,500 (+18.18%) Land $49,500 Building $180,000 | $229,500 (+18.18%) Land $49,500 Building $180,000 |
| 2022 | $3,503.00 | $194,200 Land $45,000 Building $149,200 | $194,200 Land $45,000 Building $149,200 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), as of September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970434003, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 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 |
|
| 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 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: FCC Broadband Data Collection, 368 locations within half a mile, as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Lumen Technologies Fiber | 8,000 / 8,000 |
| Spectrum Cable | 1,000 / 1,000 |
May also be available: AT&T, Verizon.
Source: EPA Safe Drinking Water Information System, water system FL3491373, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | ST. CLOUD, CITY OF (3 WPS) serves 82,752 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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