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124 Georgia Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 124 Georgia Ave, Saint Cloud, FL 34769 · Last verified December 2025

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 940 sqft · built 1962
Lot Size0.169 acres (7,405 sqft)
OwnerIndividual Name on File
Last Sale$160,000 (Dec 2017)
Tax Bill$2,805 (2025)
Deeds & MortgagesMay 2017 Mortgage
Dec 2017 Sale & Mortgage
+ 1 more
Flood ZoneZone AE (high risk)
APN80473

Property Details

APN / Parcel Number

Primary APN80473
Alternative APN
  • 012630000104530035

Interior

Bedrooms3 Beds
Full Baths2 Baths
Half Baths1 Half Bath
Stories1 Story
Building Area940 sqft Heated Area
Gross Area1,076 sqft
1st Floor Area720 sqft
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1962
Effective Year BuiltEffective 1997
Exterior MaterialAluminum Siding
Foundation TypePier/Post & Beam
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area7,405 sqft (0.169 acres)
Lot Dimensions150 ft deep x 50 ft wide

Exterior Amenities

PorchEnclosed Porch
Porch Area236 sqft
FenceFence
Shed1 Shed
Shed Area80 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Account Number80473
Street Address124 GEORGIA AVE
CitySAINT CLOUD
StateFL
Zip34769-2145
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLAKE FRONT ADDN PB B PG 61-B & 62 BLK 453 LOT 3 S 1/2
Legal Range30E
Legal Township26S
Legal Section01
Legal SubdivisionST CLOUD 2ND AND 3RD STREETS
Legal Tract1
Legal Block453
Legal Lot Number3
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group3
Census Block3008
Census Tract43400

Owner

Source: Osceola County records · APN 80473

Assessment roll updated July 1, 2025 · Last verified December 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Mailing Address124 GEORGIA AVE, SAINT CLOUD, FL 34769-2145
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
May 01, 2017Deed of Trust, Mortgage
LENDINGHOME FUNDING CORP
Dec 05, 2017Warranty Deed, Transfer · Conventional Mortgage
CALIBER HOME LOANS INC
May 01, 2017Warranty Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleDec 05, 2017 · Amount on Record
Deed SaleDec 05, 2017 · Amount on Record
Prior SaleApr 12, 2004 · Amount on Record
Deed Document Number2017172111
Deed Book / Page5248 / 0990
Record UpdatedJun 08, 2026

May 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address124 GEORGIA AVE, SAINT CLOUD, FL 34769-2145
Transaction TypeMortgage
Record UpdatedFeb 07, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0051401498
DateMay 01, 2017
Book Page5140/1498
Instrument2017063947
Lender
NameLENDINGHOME FUNDING CORP
TypeFunding / Finance Company
AddressSAN FRANCISCO, CA 94111
Agreement
AmountAmount Recorded

December 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateDec 05, 2017
Property Address124 GEORGIA AVE, SAINT CLOUD, FL 34769-2145
Document Number0052480990
Book / Page5248 / 0990
Map ReferenceMB B PG61-64
Instrument DateNov 27, 2017
Instrument2017172111
Transaction TypeTransfer
Record UpdatedFeb 08, 2022
Title CompanyCLASSIC TITLE & SOLUTIONS IN

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,120.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address3706 EAGLE ISLE CIR, 3706, KISSIMMEE, FL 34746-1909

Transferred To (Grantee/Buyer)

NameVerified Name
Address1204 GEORGIA AVE, SAINT CLOUD, FL 34769-4160

Mortgage

Document Number2017172112
DateDec 05, 2017
Instrument2017172112
Lender
NameCALIBER HOME LOANS INC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueDec 01, 2047

May 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateMay 01, 2017
Property Address124 GEORGIA AVE, SAINT CLOUD, FL 34769-2145
Document Number0051401493
Book / Page005140 / 001493
Instrument DateApr 26, 2017
Instrument63944
Transaction TypeTransfer
Record UpdatedNov 16, 2018
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Tax$490.00

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address130 S BUMBY AVE #A ORLANDO FL 328037415, A, ORLANDO, FL 32803-7415

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$2,805.00 (+3.7%) Homeowner's exemption$117,544 (+5.99%)$215,000 (+11.63%) Land $54,000 Building $161,000
2023$2,705.00 (+2.58%) Homeowner's exemption$110,905 (+3%)$192,600 (+12.17%) Land $49,500 Building $143,100
2022$2,637.00 Homeowner's exemption$107,675$171,700 Land $45,000 Building $126,700

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970434003, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone AE
Special Flood Hazard AreaYes
Flood HazardHigh
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation61.0 ft
Flood Insurance RequirementRequired (federally backed mortgages)
Flood Insurance CostPremium on Record
median of 98 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies110 units insured (12 under condo master policies)
75 of 98 individual policies on primary residences
Nearby Flood Claims24 (1994–2022)
Claims Outside the SFHA3 of 24
Most Recent ClaimSep 2022, river or lake flooding, Hurricane Ian
Flood Events
  • Hurricane Ian (Sep 2022), 4 claims
  • Hurricane Ian (Sep 2022), 2 claims
  • Hurricane Frances (Sep 2004), 3 claims

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
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.

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