1122 Missouri Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 1122 Missouri Ave, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,305 sqft · built 1949
Lot Size	0.219 acres (9,583 sqft)
Owner	Individual Name on Record
Last Sale	$276,000 (Jan 2022)
Tax Bill	$4,825 (2025)
Deeds & Mortgages	Jan 2022 Sale & Mortgage Oct 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`78197`

Property Details

APN / Parcel Number

Primary APN	`78197`
Alternative APN	`012630000101930110`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,305 sqft Heated Area
Gross Area	1,805 sqft
1st Floor Area	994 sqft
Flooring	Tile
Interior Walls	Plaster

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1999
Exterior Material	Vinyl
Foundation Type	Pier/Post & Beam
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,583 sqft (0.219 acres)
Lot Dimensions	150 ft deep x 65 ft wide
Garage Type	Detached - Finished
Garage Area	500 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Enclosed Porch
Porch Area	311 sqft
Fence	Fence
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	78197
Street Address	1122 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 11 & 12 & S 15 FT LOT 10 2/26/30
Legal Range	30E
Legal Township	26S
Legal Section	01
Legal Subdivision	ST CLOUD
Legal Tract	1
Legal Block	193
Legal Lot Number	2,10-12 12
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

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	3194 WATERBRIDGE LN, KISSIMMEE, FL 34744-9236
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 25, 2022	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Oct 15, 2021	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Sep 12, 2018	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 25, 2022 · Amount on Record
Deed Sale	Jan 25, 2022 · Amount on Record
Prior Sale	Oct 15, 2021 · Amount on Record
Deed Document Number	2022013191
Deed Book / Page	6136 / 467
Record Updated	Jun 8, 2026

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 25, 2022
Property Address	1122 MISSOURI AVE, SAINT CLOUD, FL 34769-3660
Document Number	0061360467
Book / Page	6136 / 467
Map Reference	MB B PG 33&34
Instrument Date	Jan 20, 2022
Instrument	2022013191
Transaction Type	Transfer
Record Updated	Feb 4, 2022
Title Company	CORE TITLE SERVICES LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,932.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	200 ILLINOIS AVE, 200, SAINT CLOUD, FL 34769-2309

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3194 WATERBRIDGE LN, KISSIMMEE, FL 34744-9236

Mortgage

Document Number	0006136469
Date	Jan 25, 2022
Instrument	6136/469

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 15, 2021
Property Address	1122 MISSOURI AVE, SAINT CLOUD, FL 34769-3660
Document Number	0060662334
Book / Page	6066 / 2334
Map Reference	MB B PG 33&34
Instrument Date	Oct 8, 2021
Instrument	2021161516
Transaction Type	Transfer
Record Updated	Oct 29, 2021
Title Company	CORE TITLE SERVICES LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,470.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4410 WILLOW COURT, 4410, ORLANDO, FL 32811

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	200 ILLINOIS AVE, SAINT CLOUD, FL 34769-2309

Mortgage

Document Number	60662336
Date	Oct 15, 2021
Instrument	6066/2336

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 12, 2018
Property Address	1122 MISSOURI AVE, SAINT CLOUD, FL 34769-3660
Document Number	0053992731
Book / Page	005399 / 002731
Instrument Date	Aug 30, 2018
Instrument	137210
Transaction Type	Transfer
Record Updated	Oct 1, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	4410 WILLOW CL ORLANDO FL 32835, ORLANDO, FL 32835

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 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	$4,825.00 (+8.99%)	$269,400 (+9.69%) Land $55,000 Building $214,400	$269,400 (+9.69%) Land $55,000 Building $214,400
2023	$4,427.00 (+10.26%)	$245,600 (+10.33%) Land $50,000 Building $195,600	$245,600 (+10.33%) Land $50,000 Building $195,600
2022	$4,015.00	$222,600 Land $45,000 Building $177,600	$222,600 Land $45,000 Building $177,600

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 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

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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