Osceola County property record for 1603 Missouri Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 768 sqft · built 1920 |
| Lot Size | 0.241 acres (10,497 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $235,000 (Oct 2025) |
| Tax Bill | $1,772 (2025) |
| Deeds & Mortgages | Dec 2025 Transfer Oct 2025 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-26-30-0001-0331-0160 |
| Primary APN | 01-26-30-0001-0331-0160 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 768 sqft Living Area |
| Gross Area | 866 sqft |
| 1st Floor Area | 768 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Architectural Style | Custom Design |
| Exterior Material | Aluminum Siding |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 10,497 sqft (0.241 acres) |
| Lot Dimensions | 140 ft deep x 75 ft wide |
| Porch | Florida Room |
| Porch Area | 98 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 1603 MISSOURI AVE |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-4370 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR2 |
| Legal Description | ST CLOUD PB B PG 34 BLK 331 LOTS 16 THRU 18 11-26-30 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD 2ND PLAT TOWN OF |
| Legal Tract | 1 |
| Legal Block | 331 |
| Legal Lot Number | 16 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1052 |
| Census Tract | 43400 |
Source: Osceola County records, as of June 9, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 1603 MISSOURI AVE, SAINT CLOUD, FL 34769-4370 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Dec 30, 2025 | Intrafamily Transfer, Transfer FIDELITY NATIONAL TITLE, FIDELITY NATL TTL OF FL INC |
| Oct 16, 2025 | Warranty Deed, Transfer · FHA Mortgage MOVEMENT MORTGAGE |
| Oct 17, 2022 | Warranty Deed, Transfer · Conventional Mortgage CHURCHILL MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 16, 2025 · Amount on Record |
| Deed Sale | Oct 16, 2025 · Amount on Record |
| Prior Sale | Oct 17, 2022 · Amount on Record |
| Deed Document Number | 2025128719 |
| Deed Book / Page | 6866 / 492 |
| Last Transfer Date | Dec 26, 2025 |
| Transfer Doc | 0069000937 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Dec 30, 2025 |
| Property Address | 1603 MISSOURI AVE, SAINT CLOUD, FL 34769-4370 |
| Document Number | 0069000937 |
| Book / Page | 6900 / 937 |
| Map Reference | MB B PG 33&34 |
| Instrument Date | Dec 26, 2025 |
| Instrument | 2025158190 |
| Transaction Type | Transfer |
| Record Updated | Jan 13, 2026 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NATL TTL OF FL INC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1603 MISSOURI AVE, SAINT CLOUD, FL 34769-4370 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1603 MISSOURI AVE, SAINT CLOUD, FL 34769-4370 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Oct 16, 2025 |
| Property Address | 1603 MISSOURI AVE, SAINT CLOUD, FL 34769-4370 |
| Document Number | 0068660492 |
| Book / Page | 6866 / 492 |
| Map Reference | MB B PG 33-34 |
| Instrument Date | Oct 15, 2025 |
| Instrument | 2025128719 |
| Transaction Type | Transfer |
| Record Updated | Oct 29, 2025 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NATL TTL OF FL INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,645.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3067 DASHA PALM DR, KISSIMMEE, FL 34744-9180 |
| Name | Verified Name |
|---|---|
| Address | 1603 MISSOURI AVE, SAINT CLOUD, FL 34769-4370 |
| Document Number | 0006866494 |
|---|---|
| Date | Oct 16, 2025 |
| Instrument | 6866/494 |
| Name | MOVEMENT MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Oct 17, 2022 |
| Property Address | 1603 MISSOURI AVE, SAINT CLOUD, FL 34769-4370 |
| Document Number | 0063002069 |
| Book / Page | 6300 / 2069 |
| Map Reference | MB B PG 33&34 |
| Instrument Date | Oct 14, 2022 |
| Instrument | 2022153485 |
| Transaction Type | Transfer |
| Record Updated | Nov 1, 2022 |
| Title Company | STEWART TITLE COMPANY-F, STEWART TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,435.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1603 MISSOURI AVE, 1603, SAINT CLOUD, FL 34769-4370 |
| Name | Verified Name |
|---|---|
| Address | 802 WEST BLVD N, DAVENPORT, FL 33837-9384 |
| Document Number | 0063002070 |
|---|---|
| Date | Oct 17, 2022 |
| Instrument | 6300/2070 |
| Name | CHURCHILL MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2052 |
Source: Osceola County assessment roll, as of November 26, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,772.00 (+3.87%) | $141,916 (+2.9%) | $150,900 (+1.75%) Land $55,000 Building $95,900 |
| 2024 | $1,706.00 (+3.27%) Homeowner's exemption | $137,917 (+3%) | $148,300 (+10.75%) Land $55,000 Building $93,300 |
| 2023 | $1,652.00 (+259.91%) Homeowner's exemption | $133,900 (+162.87%) Land $50,000 Building $83,900 | $133,900 (+30.25%) Land $50,000 Building $83,900 |
| 2022 | $459.00 Homeowner's exemption | $50,938 | $102,800 Land $45,000 Building $57,800 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 12 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 12 in force |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 95% of Florida |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 470 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 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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