213 Georgia Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 213 Georgia Ave, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,564 sqft · built 1973
Lot Size	0.289 acres (12,632 sqft)
Owner	Individual Name on Record
Last Sale	$205,000 (Sep 2016)
Tax Bill	$2,755 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Feb 2023 Mortgage + 3 more
Flood Zone	Zone X (moderate risk)
APN	`80390`

Property Details

APN / Parcel Number

Primary APN	`80390`
Alternative APN	`012630000104470080`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,564 sqft Heated Area
Gross Area	3,382 sqft
1st Floor Area	1,552 sqft
Upper Floors Area	1,012 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1989
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	12,632 sqft (0.289 acres)
Lot Dimensions	150 ft deep x 83 ft wide
Garage Type	Finished

Exterior Amenities

Porch	Porch
Porch Area	1,032 sqft
Fence	Fence
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	80390
Street Address	213 GEORGIA AVE
City	SAINT CLOUD
State	FL
Zip	34769-2146
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR2
Legal Description	TOWN OF ST CLOUD LAKEFRONT ADDN PB B PG 61-62 BLK 447 S 50 FTLOT 8 & N 33 FT LOT 7
Legal Range	30E
Legal Township	26S
Legal Section	01
Legal Subdivision	ST CLOUD 2ND AND 3RD STREETS
Legal Tract	1
Legal Block	447
Legal Lot Number	7-8
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3016
Census Tract	43400

Owner

Source: Osceola County records, as of December 11, 2025

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
Co-owner	Co-owner on Record
Mailing Address	213 GEORGIA AVE, SAINT CLOUD, FL 34769-2146
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 21, 2021	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Feb 3, 2023	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
May 16, 2018	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Apr 6, 2018	Deed of Trust, Mortgage · Conventional Mortgage MISCELLANEOUS GOVT AGCY
Feb 20, 2018	Deed of Trust, Mortgage · Conventional Mortgage MISCELLANEOUS GOVT AGCY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 2, 2016 · Amount on Record
Deed Sale	Sep 2, 2016 · Amount on Record
Prior Sale	Sep 15, 2014 · Amount on Record
Deed Document Number	2016133870
Deed Book / Page	5018 / 2994
Record Updated	Jun 8, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	213 GEORGIA AVE, SAINT CLOUD, FL 34769-2146
Transaction Type	Mortgage
Record Updated	Jun 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	213 GEORGIA AVE, SAINT CLOUD, FL 34769-2146

Mortgage

Document Number	0059850609
Date	Jun 21, 2021
Book Page	5985/609
Instrument	2021096370

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	303 Months
Due	Sep 1, 2046

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	213 GEORGIA AVE, SAINT CLOUD, FL 34769-2146
Transaction Type	Mortgage
Record Updated	Jun 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	213 GEORGIA AVE, SAINT CLOUD, FL 34769-2146

Mortgage

Document Number	0063531292
Date	Feb 3, 2023
Book Page	6353/1292
Instrument	2023013632

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	283 Months
Due	Sep 1, 2046

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	213 GEORGIA AVE, SAINT CLOUD, FL 34769-2146
Document Number	0053481361
Instrument Date	May 16, 2018
Transaction Type	Mortgage
Record Updated	Jul 6, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	213 GEORGIA AVE ST CLOUD FL 347692146, ST CLOUD, FL 34769-2146

Mortgage

Document Number	0053481361
Date	Jun 12, 2018
Book Page	005348/001361
Instrument	90215

Lender

Name	HUD-HOUSING/URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	336 Months
Due	Jun 11, 2046

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	213 GEORGIA AVE, SAINT CLOUD, FL 34769-2146
Document Number	0053212623
Instrument Date	Apr 6, 2018
Transaction Type	Mortgage
Record Updated	May 22, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	213 GEORIA AVE ST CLOUD FL 34769, ST CLOUD, FL 34769

Mortgage

Document Number	0053212623
Date	Apr 24, 2018
Book Page	005321/002623
Instrument	64303

Lender

Name	MISCELLANEOUS GOVT AGCY
Address	KISSIMMEE, FL 34741

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	213 GEORGIA AVE, SAINT CLOUD, FL 34769-2146
Document Number	0052931790
Instrument Date	Feb 20, 2018
Transaction Type	Mortgage
Record Updated	Mar 26, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	213 GEORGIA AVE ST CLOUD FL 347692146, ST CLOUD, FL 34769-2146

Mortgage

Document Number	0052931790
Date	Feb 28, 2018
Book Page	005293/001790
Instrument	34608

Lender

Name	MISCELLANEOUS GOVT AGCY
Address	KISSIMMEE, FL 34741

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 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	$2,755.00 (+6.58%) Homeowner's exemption	$196,814 (+5.99%)	$392,400 (+14.44%) Land $60,000 Building $332,400
2023	$2,585.00 (+3.86%) Homeowner's exemption	$185,698 (+3%)	$342,900 (+18.94%) Land $55,000 Building $287,900
2022	$2,489.00 Homeowner's exemption	$180,290	$288,300 Land $50,000 Building $238,300

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 X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
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 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

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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