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1520 Georgia Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 1520 Georgia Ave, Saint Cloud, FL 34769

Property Summary

Property TypeSingle Family Home
Details1 ba · 961 sqft · built 1953
Lot Size0.258 acres (11,238 sqft)
Owner2 Individual Names on Record
Last Sale$148,000 (Apr 2019)
Tax Bill$2,511 (2025)
Deeds & MortgagesJul 2026 Mortgage
Sep 2020 Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN01-26-30-0001-0317-0100

Property Details

APN / Parcel Number

Primary APN01-26-30-0001-0317-0100
Alternative APNs
  • 263001000103170100
  • 79152

Interior

Full Baths1 Bath
Stories1 Story
Building Area961 sqft Living Area
Gross Area1,479 sqft
1st Floor Area961 sqft
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1953
Effective Year BuiltEffective 1953
Architectural StyleCustom Design
Exterior MaterialConcrete Block
Construction TypeMasonry / Concrete Block
Foundation TypeFooting
Roof TypeFlat
Roof MaterialBuilt-Up Asphalt
Lot Area11,238 sqft (0.258 acres)
Lot Dimensions150 ft deep x 75 ft wide
Garage TypeCarport
Garage Area378 sqft
CarportCarport
Carport Area378 sqft

Exterior Amenities

PorchScreened/Unfinished Porch
Porch Area220 sqft
Shed1 Shed
Shed Area120 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address1520 GEORGIA AVE
CitySAINT CLOUD
StateFL
Zip34769-4965
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeSR2
Legal DescriptionST CLOUD PB B PG 34 BLK 317 LOTS 10-12 10/26/30
Legal Range30E
Legal Township26S
Legal Section01
Legal SubdivisionST CLOUD 2ND PLAT TOWN OF
Legal Tract1
Legal Block317
Legal Lot Number10
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group4
Census Block4055
Census Tract43400

Owner

Source: Osceola County records, as of July 29, 2026

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

Owner of Record2 Individual Names on Record
Mailing Address1520 GEORGIA AVE, SAINT CLOUD, FL 34769-4965
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jul 20, 2026Deed of Trust, Mortgage · Conventional Mortgage
ROCKET MORTGAGE LLC
Sep 22, 2020Deed of Trust, Mortgage · Conventional Mortgage
LOANDEPOT.COM LLC
Apr 26, 2019Warranty Deed, Transfer · Conventional Mortgage
LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleApr 26, 2019 · Amount on Record
Deed SaleApr 26, 2019 · Amount on Record
Deed Document Number201953184
Deed Book / Page5513 / 2273
Prior Transfer DateAug 2, 2004
Prior Transfer Doc0000179542
Record UpdatedOct 29, 2026

July 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Recording DateJul 20, 2026
Property Address1520 GEORGIA AVE, SAINT CLOUD, FL 34769-4965
Document Number0000094132
Book / Page7005 / 2806
Instrument DateJul 2, 2026
Instrument202694132
Transaction TypeMortgage
Record UpdatedJul 29, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

NameVerified Name
Address1520 GEORGIA AVE, SAINT CLOUD, FL 34769-4965

Mortgage

Document Number0000094132,
DateJul 20, 2026
Book Page7005/2806
Instrument202694132
Lender
NameROCKET MORTGAGE LLC
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueJul 1, 2056
Interest
Rate TypeFixed Rate
Rate6.48%
Initial TypeFixed Rate
Max Rate-1%

September 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address1520 GEORGIA AVE, SAINT CLOUD, FL 34769-4965
Transaction TypeMortgage
Record UpdatedFeb 5, 2021

Transferred To (Grantee/Buyer)

NameVerified Name
Address1520 GEORGIA AVE, SAINT CLOUD, FL 34769-4965

Mortgage

Document Number0057980660
DateSep 22, 2020
Book Page5798/660
Instrument2020126823
Lender
NameLOANDEPOT.COM LLC
TypeMortgage Company
AddressFOOTHILL RANCH, CA 92610
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueOct 1, 2050

April 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateApr 26, 2019
Property Address1520 GEORGIA AVE, SAINT CLOUD, FL 34769-4965
Document Number0055132273
Book / Page005513 / 002273
Instrument DateApr 15, 2019
Instrument53184
Transaction TypeTransfer
Record UpdatedMay 14, 2019
Title CompanyNU WORLD TITLE/CTRL FL LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,036.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address1520 GEORGIA AVE ST CLOUD FL 347694965, ST CLOUD, FL 34769-4965

Mortgage

Document Number55132276
DateApr 26, 2019
Book Page005513/002276
Instrument53185
Lender
NameLOANDEPOT.COM LLC
TypeFunding / Finance Company
AddressFOOTHILL RANCH, CA 92610
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueApr 25, 2049

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$2,511.00 (+3.63%) Homeowner's exemption$183,217 (+5.99%)$221,100 (+12.92%) Land $55,000 Building $166,100
2024$2,423.00 (+2.93%)
2023$2,354.00 (+5.8%) Homeowner's exemption$172,868 (+4.39%)$195,800 (+18.24%) Land $50,000 Building $145,800
2022$2,225.00 Homeowner's exemption$165,600 Land $45,000 Building $120,600$165,600 Land $45,000 Building $120,600

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies4 in force
Nearby Flood Claims5 (2009–2022)
Claims Outside the SFHA5 of 5
Most Recent ClaimSep 2022 · Hurricane Ian

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 RiskLow
lower than 94% of the US · lower than 94% of Florida
Wildfire Likelihood0.03% annual chance
ExposureNone
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 SystemST. CLOUD, CITY OF (3 WPS)
serves 82,752 people · EPA ID FL3491373
Water SourceGroundwater
Last State InspectionJul 2025
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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 400 locations within half a mile, as of December 31, 2025

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

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