1821 Missouri Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 1821 Missouri Ave, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,482 sqft · built 2001
Lot Size	0.258 acres (11,238 sqft)
Owner	Individual Name on File
Last Sale	$320,000 (Nov 2023)
Tax Bill	$4,400 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Nov 2025 Transfer + 4 more
Flood Zone	Zone X (minimal risk)
APN	`11-26-30-3558-0001-0020`

Property Details

APN / Parcel Number

Primary APN	`11-26-30-3558-0001-0020`
Alternative APNs	`263011355800010020` `84036`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,482 sqft Living Area
Gross Area	2,095 sqft
1st Floor Area	1,482 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Conventional
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	11,238 sqft (0.258 acres)
Lot Dimensions	150 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Florida Room
Porch Area	213 sqft
Patio Area	210 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	1821 MISSOURI AVE
City	SAINT CLOUD
State	FL
Zip	34769-5119
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-3
Legal Description	JASMINE ESTATES PB 11 PG 175 LOT 2
Legal Range	30E
Legal Township	26S
Legal Section	11
Legal Subdivision	JASMINE ESTATES
Legal Tract	3558
Legal Block	20
Legal Lot Number	2
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2025
Census Tract	43303

Owner

1821 Missouri Ave is owned and occupied by an individual who bought it in November 2023.

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

Owner of Record	Individual Name on File
Mailing Address	1821 MISSOURI AVE, SAINT CLOUD, FL 34769-5119
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 20, 2026	Deed of Trust, Mortgage · FHA Mortgage NONE LISTED ON DOCUMENT
Nov 10, 2025	Intrafamily Transfer, Transfer
Nov 17, 2023	Warranty Deed, Transfer · FHA Mortgage MY MORTGAGE INC
Nov 17, 2023	Intrafamily Transfer, Transfer FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO
Aug 2, 2023	Quit Claim Deed, Transfer Quitclaim
May 15, 2019	Warranty Deed, Transfer STEWART TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 17, 2023 · Amount on File
Deed Sale	Nov 17, 2023 · Amount on File
Prior Sale	May 15, 2019 · Amount on File
Deed Document Number	2023151947
Deed Book / Page	6506 / 2948
Prior Transfer Date	Aug 31, 2023
Prior Transfer Doc	0065062946
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Recording Date	Apr 20, 2026
Property Address	1821 MISSOURI AVE, SAINT CLOUD, FL 34769-5119
Document Number	0000051639
Book / Page	6957 / 2412
Instrument Date	Mar 23, 2026
Instrument	202651639
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	1821 MISSOURI AVE, SAINT CLOUD, FL 34769-5119

Mortgage

Document Number	0000051639,
Date	Apr 20, 2026
Book Page	6957/2412
Instrument	202651639

Lender

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	480 Months
Due	Apr 1, 2066

Interest

Rate	6.01%
Max Rate	-1%

November 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Nov 10, 2025
Property Address	1821 MISSOURI AVE, SAINT CLOUD, FL 34769-5119
Document Number	0068781286
Book / Page	6878 / 1286
Map Reference	MB 11 PG 175
Instrument Date	Nov 10, 2025
Instrument	2025139054
Transaction Type	Transfer
Record Updated	Nov 28, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1821 MISSOURI AVE, SAINT CLOUD, FL 34769-5119

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1821 MISSOURI AVE, SAINT CLOUD, FL 34769-5119

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Nov 17, 2023
Property Address	1821 MISSOURI AVE, SAINT CLOUD, FL 34769-5119
Document Number	0065062948
Book / Page	6506 / 2948
Map Reference	MB 11 PG 175
Instrument Date	Oct 6, 2023
Instrument	2023151947
Transaction Type	Transfer
Record Updated	Dec 7, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,240.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3124 CARPENTER LN, SAINT CLOUD, FL 34769-1912

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1821 MISSOURI AVE, SAINT CLOUD, FL 34769-5119

Mortgage

Document Number	0065062950
Date	Nov 17, 2023
Instrument	6506/2950

Lender

Name	MY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2053

November 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Nov 17, 2023
Property Address	1821 MISSOURI AVE, SAINT CLOUD, FL 34769-5119
Document Number	0065062946
Book / Page	6506 / 2946
Map Reference	MB 11 PG 175
Instrument Date	Aug 31, 2023
Instrument	2023151946
Transaction Type	Transfer
Record Updated	Dec 7, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1821 MISSOURI AVE, SAINT CLOUD, FL 34769-5119

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1821 MISSOURI AVE, SAINT CLOUD, FL 34769-5119

August 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 2, 2023
Property Address	1821 MISSOURI AVE, SAINT CLOUD, FL 34769-5119
Document Number	0064502692
Book / Page	6450 / 2692
Map Reference	MB 11 PG 175
Instrument Date	Jul 26, 2023
Instrument	2023100148
Transaction Type	Transfer
Record Updated	Aug 15, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3702 MOON DANCER PL, SAINT CLOUD, FL 34772-8244

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1821 MISSOURI AVE, SAINT CLOUD, FL 34769-5119

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 15, 2019
Property Address	1821 MISSOURI AVE, SAINT CLOUD, FL 34769-5119
Document Number	0055241359
Book / Page	005524 / 001359
Instrument Date	May 14, 2019
Instrument	62349
Transaction Type	Transfer
Record Updated	May 29, 2019
Title Company	STEWART TITLE

Transaction

Amount	Amount on Record
Tax	$1,417.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1821 MISSOURI AVE ST CLOUD FL 347695119, ST CLOUD, FL 34769-5119

Tax Assessment & Valuation

The 2025 property tax bill for 1821 Missouri Ave was $4,400, down 14.5% from the year before.

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	$4,400.00 (-14.46%)	$288,700 Land $45,000 Building $243,700	$288,700 Land $45,000 Building $243,700
2024	$5,144.00 (-11.62%)
2023	$5,820.00 (+7.38%)	$249,400 (+14.51%) Land $35,000 Building $214,400	$249,400 (+14.51%) Land $35,000 Building $214,400
2022	$5,420.00	$217,800 Land $35,000 Building $182,800	$217,800 Land $35,000 Building $182,800

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1821 Missouri Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 38 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	38 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.

Wildfire

Wildfire risk around 1821 Missouri Ave is moderate, ranking above 56% of the US, with a 0.2% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 56% of the US · lower than 71% of Florida
Wildfire Likelihood	0.2% 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 114 locations within half a mile, as of December 31, 2025

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

May also be available: AT&T, CenturyLink.

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