141 Georgia Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 141 Georgia Ave, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,824 sqft · built 1976
Lot Size	0.239 acres (10,454 sqft)
Owner	Individual Name on File
Last Sale	$235,000 (Jun 2018)
Tax Bill	$3,248 (2025)
Deeds & Mortgages	Jul 2023 Mortgage Jul 2020 Mortgage + 3 more
Flood Zone	Zone AE (high risk)
APN	`80489`

Property Details

APN / Parcel Number

Primary APN	`80489`
Alternative APN	`012630000104540060`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,824 sqft Heated Area
Gross Area	2,595 sqft
1st Floor Area	1,203 sqft
Upper Floors Area	621 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1996
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	10,454 sqft (0.239 acres)
Lot Dimensions	150 ft deep x 70 ft wide
Garage Type	Detached - Finished
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	450 sqft
Porch	Open Porch
Porch Area	112 sqft
Deck Area	500 sqft
Fence	Fence
Shed	1 Shed
Shed Area	170 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	80489
Street Address	141 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 70 FT LOT 6
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	6
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3009
Census Tract	43400

Owner

Source: Osceola County assessment roll, as of July 1, 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 File
Co-owner	Verified Secondary Owner
Mailing Address	141 GEORGIA AVE, SAINT CLOUD, FL 34769-2144
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 13, 2023	Deed of Trust, Mortgage · FHA Mortgage LOWER LLC
Jul 2, 2020	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Jul 2, 2020	Loan Modification, Mortgage · Conventional with PMI NEW AMERICAN FNDG
Jun 19, 2018	Warranty Deed, Transfer · FHA Mortgage BROKER SOLUTIONS INC
May 4, 2018	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 19, 2018 · Amount on Record
Deed Sale	Jun 19, 2018 · Amount on Record
Prior Sale	Nov 14, 2014 · Amount on Record
Deed Document Number	2018094739
Deed Book / Page	5353 / 0638
Record Updated	Jun 8, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	141 GEORGIA AVE, SAINT CLOUD, FL 34769-2144
Transaction Type	Mortgage
Record Updated	Jul 28, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0064400018
Date	Jul 13, 2023
Book Page	6440/18
Instrument	2023090261

Lender

Name	LOWER LLC
Type	Mortgage Company
Address	COLUMBIA, MD 21046

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2053

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	141 GEORGIA AVE, SAINT CLOUD, FL 34769-2144
Document Number	0057562960
Instrument Date	Jul 2, 2020
Transaction Type	Mortgage
Record Updated	Aug 27, 2020
Title Company	SERVICELINK LOAN MOD SOLUTIONS, SERVICELINK LN MOD SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	141 GEORGIA AVE ST CLOUD FL 347692144, ST CLOUD, FL 34769-2144

Mortgage

Document Number	0057562960
Date	Jul 17, 2020
Book Page	005756/002960
Instrument	93759

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 16, 2050

July 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OSCEOLA FL
Property Address	141 GEORGIA AVE, SAINT CLOUD, FL 34769-2144
Document Number	0057642866
Instrument Date	Jul 2, 2020
Transaction Type	Mortgage
Record Updated	Aug 31, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	141 GEORGIA AVE ST CLOUD FL 347692144, ST CLOUD, FL 34769-2144

Mortgage

Document Number	0057642866
Date	Jul 30, 2020
Book Page	005764/002866
Instrument	99641

Lender

Name	NEW AMERICAN FNDG
Type	Funding / Finance Company
Address	FLINT, MI 48501-2026

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jul 29, 2050

Interest

Rate	3.5%

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 19, 2018
Property Address	141 GEORGIA AVE, SAINT CLOUD, FL 34769-2144
Document Number	0053530638
Book / Page	5353 / 0638
Map Reference	MB B PG61-64
Instrument Date	Jun 18, 2018
Instrument	2018094739
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	TITLE TEAM

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,645.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	146 E WARNER ST, 146, GROVELAND, FL 34736-2764

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	141 GEORGIA AVE, SAINT CLOUD, FL 34769-2144

Mortgage

Document Number	2018094740
Date	Jun 19, 2018
Instrument	2018094740

Lender

Name	BROKER SOLUTIONS INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2048

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	141 GEORGIA AVE, SAINT CLOUD, FL 34769-2144
Document Number	0053341777
Instrument Date	May 4, 2018
Transaction Type	Mortgage
Record Updated	Mar 2, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	141 GEORGIA AVE ST CLOUD FL 347692144, ST CLOUD, FL 34769-2144

Mortgage

Document Number	0053341777
Date	May 15, 2018
Book Page	005334/001777
Instrument	77081

Lender

Name	HUD-HOUSING/URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	300 Months
Due	May 14, 2043

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	$3,248.00 (+6.77%) Homeowner's exemption	$224,389 (+6.31%)	$368,500 (+14.55%) Land $60,000 Building $308,500
2023	$3,042.00 (+3.72%) Homeowner's exemption	$211,072 (+3%)	$321,700 (+17.71%) Land $55,000 Building $266,700
2022	$2,933.00 Homeowner's exemption	$204,925	$273,300 Land $50,000 Building $223,300

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 at the parcel

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)
Lumen Technologies Fiber	8,000 / 8,000
Spectrum Cable	1,000 / 1,000

May also be available: AT&T, Verizon.

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