206 Montana Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 206 Montana Ave, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,036 sqft · built 1978
Lot Size	0.197 acres (8,581 sqft)
Owner	Individual Name on File
Last Sale	$305,000 (Apr 2026)
Tax Bill	$1,419 (2025)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Apr 2026 Sale & Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`01-26-30-0001-0450-0015`

Property Details

APN / Parcel Number

Primary APN	`01-26-30-0001-0450-0015`
Alternative APNs	`263001000104500015` `80424`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,036 sqft Living Area
Gross Area	1,316 sqft
1st Floor Area	1,036 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1986
Architectural Style	Custom Design
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,581 sqft (0.197 acres)
Lot Dimensions	138 ft deep x 62.5 ft wide
Garage Type	Carport
Garage Area	200 sqft
Carport	Carport
Carport Area	200 sqft
Porch	Metal Porch
Porch Area	96 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	206 MONTANA AVE
City	SAINT CLOUD
State	FL
Zip	34769-2181
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR2
Legal Description	LAKE FRONT ADD PB B PG 63 BLK 450 S 37.5 FT OF E 138.4 FT OF LOT 1 & N 25 FT OF E 138.4 FT LOT 2
Legal Range	30E
Legal Township	26S
Legal Section	01
Legal Subdivision	ST CLOUD 2ND PLAT TOWN OF
Legal Tract	1
Legal Block	450
Legal Lot Number	1
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3006
Census Tract	43400

Owner

206 Montana Ave is owned and occupied by an individual who bought it in April 2026.

Source: Osceola County records, as of April 16, 2026

Owner of Record	Individual Name on File
Mailing Address	206 MONTANA AVE, SAINT CLOUD, FL 34769-2181
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Woman

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 6, 2026	Warranty Deed, Transfer · VA Mortgage NAVY FEDERAL CREDIT UNION
Apr 6, 2026	Warranty Deed, Transfer · VA Mortgage NAVY FEDERAL CREDIT UNION
Jul 18, 2017	Warranty Deed, Transfer STEWART TITLE COMPANY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 6, 2026 · Amount on File
Deed Sale	Apr 6, 2026 · Amount on File
Prior Sale	Jul 18, 2017 · Amount on File
Deed Document Number	202645870
Deed Book / Page	6951 / 353
Record Updated	Oct 29, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 6, 2026
Property Address	206 MONTANA AVE, SAINT CLOUD, FL 34769-2181
Document Number	0069510353
Book / Page	6951 / 353
Instrument Date	Apr 2, 2026
Instrument	202645870
Transaction Type	Transfer
Record Updated	Aug 24, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$215,635.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	206 MONTANA AVE, SAINT CLOUD, FL 34769-2181

Mortgage

Document Number	0000045871,
Date	Apr 6, 2026
Instrument	202645871

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 6, 2026
Property Address	206 MONTANA AVE, SAINT CLOUD, FL 34769-2181
Document Number	0000045870
Book / Page	6951 / 353
Instrument Date	Apr 2, 2026
Instrument	202645870
Transaction Type	Transfer
Record Updated	Apr 17, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$215,635.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	206 MONTANA AVE, SAINT CLOUD, FL 34769-2181

Mortgage

Document Number	0000045871,
Date	Apr 6, 2026
Instrument	202645871

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.01%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 18, 2017
Property Address	206 MONTANA AVE, SAINT CLOUD, FL 34769-2181
Document Number	0051802481
Book / Page	5180 / 2481
Map Reference	MB B PG61-64
Instrument Date	Jul 17, 2017
Instrument	2017104206
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	STEWART TITLE COMPANY

Transaction

Amount	Amount on Record
Tax	$1,137.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2601 CANOE CREEK RD, 2601, SAINT CLOUD, FL 34772-6510

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	206 MONTANA AVE, SAINT CLOUD, FL 34769-2181

Tax Assessment & Valuation

The 2025 property tax bill for 206 Montana Ave was $1,419 with a homeowner's exemption, up 4% 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	$1,419.00 (+4.03%) Homeowner's exemption	$122,179	$211,900 Land $46,800 Building $165,100
2024	$1,364.00 (+3.57%)
2023	$1,317.00 (+4.77%) Homeowner's exemption	$115,278 (+3%)	$189,500 (+15.9%) Land $42,500 Building $147,000
2022	$1,257.00 Homeowner's exemption	$111,921	$163,500 Land $38,200 Building $125,300

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 206 Montana Ave in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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 File 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

Wildfire risk around 206 Montana Ave is low, with a 0.04% annual chance of 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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