217 Georgia Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 217 Georgia Ave, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,632 sqft · built 1973
Lot Size	0.289 acres (12,632 sqft)
Owner	Individual Name on Record
Last Sale	$263,900 (Mar 2021)
Tax Bill	$3,412 (2025)
Deeds & Mortgages	Feb 2024 Line of Credit Mar 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`80389`

Property Details

APN / Parcel Number

Primary APN	`80389`
Alternative APN	`012630000104470070`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,632 sqft Heated Area
Gross Area	3,092 sqft
1st Floor Area	1,632 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Exterior Material	Aluminum Siding
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	Mixed
Garage Area	520 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool Area	512 sqft
Porch	Finished/Screened Porch
Porch Area	600 sqft
Deck Area	600 sqft
Fence	Fence
Shed	1 Shed
Shed Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	80389
Street Address	217 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 PB B PG 61-62 ADDN BLK 447 N 16 FT LOT 6 & S 67 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	6-7
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	217 GEORGIA AVE, SAINT CLOUD, FL 34769-2146
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 13, 2024	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Mar 2, 2021	Warranty Deed, Transfer · Conventional Mortgage THE MORTGAGE FIRM INC
Jun 5, 2018	Deed of Trust, Mortgage · Line of Credit CENTRAL FLORIDA EDUCATORS FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 2, 2021 · Amount on Record
Deed Sale	Mar 2, 2021 · Amount on Record
Prior Sale	Mar 31, 2016 · Amount on Record
Deed Document Number	0059021677
Deed Book / Page	5902 / 1677
Record Updated	Jun 8, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	217 GEORGIA AVE, SAINT CLOUD, FL 34769-2146
Transaction Type	Mortgage
Record Updated	Feb 26, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	217 GEORGIA AVE, SAINT CLOUD, FL 34769-2146

Mortgage

Document Number	0065482406
Date	Feb 13, 2024
Book Page	6548/2406
Instrument	2024018706

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Feb 2, 2054

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 2, 2021
Property Address	217 GEORGIA AVE, SAINT CLOUD, FL 34769-2146
Document Number	0059021677
Book / Page	5902 / 1677
Map Reference	MB B PG 61-64
Instrument Date	Mar 2, 2021
Instrument	2021030721
Transaction Type	Transfer
Record Updated	Feb 10, 2023
Title Company	A CLEAR CHOICE TITLE AND ESCROW, A CLEAR CHOICE T&E OF OSCEOL

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,847.30
Amount Accuracy	Rounded by County
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2318 SWEETWATER BLVD, SAINT CLOUD, FL 34772-8604

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	217 GEORGIA AVE, SAINT CLOUD, FL 34769-2146

Mortgage

Document Number	0059021678
Date	Mar 2, 2021
Instrument	5902/1678

Lender

Name	THE MORTGAGE FIRM INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	217 GEORGIA AVE, SAINT CLOUD, FL 34769-2146
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0053451033
Date	Jun 5, 2018
Book Page	5345/1033
Instrument	2018087197

Lender

Name	CENTRAL FLORIDA EDUCATORS FCU
Type	Credit Union
Address	LAKE MARY, FL 32746

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	$3,412.00 (+6.56%) Homeowner's exemption	$233,550 (+6.17%)	$339,300 (+15.76%) Land $60,000 Building $279,300
2023	$3,202.00 (+3.66%) Homeowner's exemption	$219,974 (+3%)	$293,100 (+17.76%) Land $55,000 Building $238,100
2022	$3,089.00 Homeowner's exemption	$213,567	$248,900 Land $50,000 Building $198,900

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 500 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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