1415 Georgia Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 1415 Georgia Ave, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,558 sqft · built 1987
Lot Size	0.169 acres (7,405 sqft)
Owner	2 Owner Names on File
Last Sale	$108,000 (Oct 2001)
Tax Bill	$951 (2025)
Deeds & Mortgages	Jan 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`78649`

Property Details

APN / Parcel Number

Primary APN	`78649`
Alternative APN	`012630000102650160`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,558 sqft Heated Area
Gross Area	1,750 sqft
1st Floor Area	1,558 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1987
Exterior Material	Combination
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,405 sqft (0.169 acres)
Lot Dimensions	150 ft deep x 50 ft wide

Exterior Amenities

Pool Area	312 sqft
Porch	Open Porch
Porch Area	192 sqft
Deck Area	132 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	78649
Street Address	1415 GEORGIA AVE
City	SAINT CLOUD
State	FL
Zip	34769-4163
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR2
Legal Description	ST CLOUD PB B PG 34 BLK 265 LOTS 16 & 17
Legal Range	30E
Legal Township	26S
Legal Section	01
Legal Subdivision	ST CLOUD
Legal Tract	1
Legal Block	265
Legal Lot Number	16-17 17
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	4
Census Block	4049
Census Tract	43400

Owner

Source: Osceola County records · APN 78649

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 Record	2 Owner Names on File
Mailing Address	1415 GEORGIA AVE, SAINT CLOUD, FL 34769-4163
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 01, 2001 · Amount on Record
Deed Sale	Oct 01, 2001 · Amount on Record
Deed Document Number	0193700975
Deed Book / Page	01937 / 00975
Record Updated	Jun 08, 2026

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1415 GEORGIA AVE, SAINT CLOUD, FL 34769-4163
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0054671071
Date	Jan 24, 2019
Book Page	5467/1071
Instrument	2019009915

Lender

Name	CENTRAL FLORIDA EDUCATORS FCU
Type	Credit Union
Address	LAKE MARY, FL 32746

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Feb 01, 2039

Tax Assessment & Valuation

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

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	$951.00 (+8.93%) Homeowner's exemption	$96,060 (+5.99%)	$265,000 (+12.05%) Land $46,800 Building $218,200
2023	$873.00 (+5.69%) Homeowner's exemption	$90,634 (+3%)	$236,500 (+17.02%) Land $42,500 Building $194,000
2022	$826.00 Homeowner's exemption	$87,995	$202,100 Land $35,100 Building $167,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	4 in force
Nearby Flood Claims	5 (2009–2022)
Claims Outside the SFHA	5 of 5
Most Recent Claim	Sep 2022 · Hurricane Ian

Wildfire

Wildfire Risk	Low lower than 94% of the US · lower than 94% 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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Lumen Technologies Fiber	8,000 / 8,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Based on FCC filings for 400 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System 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

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 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.