142 Montana Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 142 Montana Ave, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 888 sqft · built 1984
Lot Size	0.157 acres (6,838 sqft)
Owner	Individual Name on Record
Last Sale	$148,000 (Jun 2017)
Tax Bill	$3,450 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Jun 2017 Sale & Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`01-26-30-0001-0451-0050`

Property Details

APN / Parcel Number

Primary APN	`01-26-30-0001-0451-0050`
Alternative APNs	`263001000104510050` `80440`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	888 sqft Living Area
Gross Area	1,164 sqft
1st Floor Area	888 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1994
Architectural Style	L-Shape
Exterior Material	Siding Sheathing
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,838 sqft (0.157 acres)
Lot Dimensions	138 ft deep x 0.5 ft wide
Garage Type	Attached
Garage Area	252 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Metal Porch
Porch Area	120 sqft
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	142 MONTANA AVE
City	SAINT CLOUD
State	FL
Zip	34769-2168
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR2
Legal Description	LAKE FRONT ADDN PB B PG 61 BLK 451 N 50 FT 0F LOT 5 LESS W 12 FT
Legal Range	30E
Legal Township	26S
Legal Section	01
Legal Subdivision	ST CLOUD 2ND PLAT TOWN OF
Legal Tract	1
Legal Block	451
Legal Lot Number	5
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3006
Census Tract	43400

Owner

Source: Osceola County records, as of October 14, 2026

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	1620 SW 7TH ST, 2, MIAMI, FL 33135-3741
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 29, 2025	Deed of Trust, Mortgage · Conventional Mortgage PMAC LENDING SERVICES INC
Jun 9, 2017	Warranty Deed, Transfer · Conventional Mortgage EQUITY MORTGAGE BANKERS
Feb 6, 2017	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 9, 2017 · Amount on Record
Deed Sale	Jun 9, 2017 · Amount on Record
Prior Sale	Feb 6, 2017 · Amount on Record
Deed Document Number	201784547
Deed Book / Page	5161 / 2301
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	142 MONTANA AVE, SAINT CLOUD, FL 34769-2168
Transaction Type	Mortgage
Record Updated	Nov 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1620 SW 7TH ST 2, 2, MIAMI, FL 33135-3741

Mortgage

Document Number	0068722676
Date	Oct 29, 2025
Book Page	6872/2676
Instrument	2025134468

Lender

Name	PMAC LENDING SERVICES INC
Type	Mortgage Company
Address	BREA, CA 92821

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 9, 2017
Property Address	142 MONTANA AVE, SAINT CLOUD, FL 34769-2168
Document Number	0051612301
Book / Page	5161 / 2301
Map Reference	MB B PG61
Instrument Date	Jun 2, 2017
Instrument	2017084547
Transaction Type	Transfer
Record Updated	Aug 1, 2022
Title Company	OLIVER TITLE LAW

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,036.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 7740, APACHE JUNCTION, AZ 85178-0052

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1620 SW 7TH ST APT 2, 2, MIAMI, FL 33135-3741

Mortgage

Document Number	0051612303
Date	Jun 9, 2017
Book Page	5161/2303
Instrument	2017084548

Lender

Name	EQUITY MORTGAGE BANKERS
Type	Mortgage Company
Address	MIAMI, FL 33134

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2047

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 6, 2017
Property Address	142 MONTANA AVE, SAINT CLOUD, FL 34769-2168
Document Number	0050980555
Book / Page	005098 / 000555
Instrument Date	Jan 31, 2017
Instrument	20289
Transaction Type	Transfer
Record Updated	Feb 27, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$721.00
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1881 W APACHE TRL APACHE JUNCTION AZ 851203712, APACHE JUNCTION, AZ 85120-3712

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 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	$3,450.00 (+18.72%)	$218,100 (+17.26%) Land $46,800 Building $171,300	$218,100 (+17.26%) Land $46,800 Building $171,300
2023	$2,906.00 (+12.03%)	$186,000 (+16.25%) Land $34,000 Building $152,000	$186,000 (+16.25%) Land $34,000 Building $152,000
2022	$2,594.00	$160,000 Land $30,600 Building $129,400	$160,000 Land $30,600 Building $129,400

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 66% of the US · lower than 91% of Florida
Wildfire Likelihood	0.04% 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 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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