131 Georgia Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 131 Georgia Ave, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,500 sqft · built 1977
Lot Size	0.21 acres (9,148 sqft)
Owner	Individual Name on Record
Last Sale	$300,000 (Nov 2024)
Tax Bill	$5,069 (2025)
Deeds & Mortgages	Feb 2022 Sale & Mortgage Sep 2018 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`80491`

Property Details

APN / Parcel Number

Primary APN	`80491`
Alternative APN	`012630000104540070`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,500 sqft Heated Area
Gross Area	1,512 sqft
1st Floor Area	1,500 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1987
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,148 sqft (0.21 acres)
Lot Dimensions	150 ft deep x 60 ft wide

Exterior Amenities

Porch	Open Porch
Porch Area	12 sqft
Patio Area	425 sqft
Shed	1 Shed
Shed Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	80491
Street Address	131 GEORGIA AVE
City	SAINT CLOUD
State	FL
Zip	34769-2144
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR2
Legal Description	LAKE FRONT ADDN PB B PG 61-B & 62 BLK 454 S 90 FT OF LOT 7 LESS S 30 FT
Legal Range	30E
Legal Township	26S
Legal Section	01
Legal Subdivision	ST CLOUD 2ND AND 3RD STREETS
Legal Tract	1
Legal Block	454
Legal Lot Number	7
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3009
Census Tract	43400

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
Co-owner	Co-owner on Record
Mailing Address	1185 PERCH DR, SAINT CLOUD, FL 34771-9487
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 23, 2022	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Sep 20, 2018	Warranty Deed, Transfer · FHA Mortgage ACOPIA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 13, 2024 · Amount on Record
Deed Sale	Nov 13, 2024 · Amount on Record
Prior Sale	Feb 23, 2022 · Amount on Record
Deed Document Number	2024144328
Deed Book / Page	6695 / 995
Record Updated	Jun 8, 2026

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 23, 2022
Property Address	131 GEORGIA AVE, SAINT CLOUD, FL 34769-2144
Document Number	0061561419
Book / Page	6156 / 1419
Map Reference	MB B PG 61-64
Instrument Date	Feb 18, 2022
Instrument	2022029338
Transaction Type	Transfer
Record Updated	Mar 9, 2022
Title Company	FIRST INTERNATIONAL TITLE, FIRST INTERNATIONAL TTL INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,100.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	250 MONROE HOLLOW RD, 250, POWDER SPRINGS, TN 37848-1011

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3369 CORDGRASS PL # PI, PI, SAINT CLOUD, FL 34773-6054

Mortgage

Document Number	0061561421
Date	Feb 23, 2022
Instrument	6156/1421

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

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

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 20, 2018
Property Address	131 GEORGIA AVE, SAINT CLOUD, FL 34769-2144
Document Number	0054031362
Book / Page	005403 / 001362
Instrument Date	Aug 20, 2018
Instrument	141147
Transaction Type	Transfer
Record Updated	Oct 8, 2018
Title Company	CORE TITLE SERVICES LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,434.30
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	131 GEORGIA AVE ST CLOUD FL 347692144, ST CLOUD, FL 34769-2144

Mortgage

Document Number	54031364
Date	Sep 20, 2018
Book Page	005403/001364
Instrument	141148

Lender

Name	ACOPIA
Address	GOODLETTSVILLE, TN 37072

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 19, 2048

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	$5,069.00 (-0.22%)	$283,000 (+0.39%) Land $60,000 Building $223,000	$283,000 (+0.39%) Land $60,000 Building $223,000
2023	$5,080.00 (+74.45%)	$281,900 (+38.35%) Land $55,000 Building $226,900	$281,900 (+12.4%) Land $55,000 Building $226,900
2022	$2,912.00 Homeowner's exemption	$203,765	$250,800 Land $50,000 Building $200,800

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 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	Hurricane Ian, Sep 2022 · 4 claims Hurricane Ian, Sep 2022 · 2 claims Hurricane Frances, Sep 2004 · 3 claims

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	0.04% annual chance
Exposure	Direct burnable vegetation

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 368 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

May also be available: AT&T, Verizon.

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