218 Montana Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 218 Montana Ave, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,018 sqft · built 1978
Lot Size	0.196 acres (8,537 sqft)
Owner	2 Individual Names on File
Last Sale	$236,300 (Jun 2021)
Tax Bill	$3,735 (2025)
Deeds & Mortgages	Jun 2021 Sale & Mortgage Apr 2021 Sale
Flood Zone	Zone AE (high risk)
APN	`01-26-30-0001-0450-0025`

Property Details

APN / Parcel Number

Primary APN	`01-26-30-0001-0450-0025`
Alternative APNs	`263001000104500025` `80426`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,018 sqft Living Area
Gross Area	1,363 sqft
1st Floor Area	1,018 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1999
Architectural Style	L-Shape
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,537 sqft (0.196 acres)
Lot Dimensions	138 ft deep x 62.5 ft wide
Garage Type	Carport
Garage Area	198 sqft
Carport	Carport
Carport Area	198 sqft
Porch	Finished/Open Porch
Porch Area	48 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	218 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 ADDN PB B PG 61-62 BLK 450 S 12.5 FT OF E 138.4 FT OF LOT 2 & N 50 FT OF E 138.4 FT LOT 3
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	2
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3006
Census Tract	43400

Owner

218 Montana Ave is owned and occupied by two individuals who bought it in June 2021.

Source: Osceola County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	218 MONTANA AVE, SAINT CLOUD, FL 34769-2181
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants in Common

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
Jun 1, 2021	Warranty Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA
Apr 13, 2021	Warranty Deed, Transfer ZILLOW CLOSING SERVICES LLC, ZILLOW CLOSING SVCS POST CLO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 1, 2021 · Amount on File
Deed Sale	Jun 1, 2021 · Amount on File
Prior Sale	Apr 13, 2021 · Amount on File
Deed Document Number	202184091
Deed Book / Page	5969 / 2388
Prior Transfer Date	Jan 19, 2010
Prior Transfer Doc	0039382407
Record Updated	Oct 29, 2026

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 1, 2021
Property Address	218 MONTANA AVE, SAINT CLOUD, FL 34769-2181
Document Number	0059692388
Book / Page	5969 / 2388
Map Reference	MB B PG 61-64
Instrument Date	May 20, 2021
Instrument	2021084091
Transaction Type	Transfer
Record Updated	Aug 1, 2022
Title Company	ZILLOW CLOSING SERVICES LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,654.10
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4343 N SCOTTSDALE RD STE 390, 4343, SCOTTSDALE, AZ 85251-3347

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	218 MONTANA AVE, SAINT CLOUD, FL 34769-2181

Mortgage

Document Number	0059692391
Date	Jun 1, 2021
Instrument	5969/2391

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2051

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 13, 2021
Property Address	218 MONTANA AVE, SAINT CLOUD, FL 34769-2181
Document Number	0059341480
Book / Page	5934 / 1480
Map Reference	MB B PG 61-64
Instrument Date	Apr 9, 2021
Instrument	2021055621
Transaction Type	Transfer
Record Updated	Aug 1, 2022
Title Company	ZILLOW CLOSING SERVICES LLC, ZILLOW CLOSING SVCS POST CLO

Transaction

Amount	Amount on Record
Tax	$1,500.10
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	218 MONTANA AVE, 218, SAINT CLOUD, FL 34769-2181

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4343 N SCOTTSDALE RD STE 390, 390, SCOTTSDALE, AZ 85251-3347
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 218 Montana Ave was $3,735 with a homeowner's exemption, up 2.8% 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	$3,735.00 (+2.75%) Homeowner's exemption	$251,559	$264,700 Land $46,800 Building $217,900
2024	$3,635.00 (+5.91%)
2023	$3,432.00 (+8.06%) Homeowner's exemption	$233,076 (+6.72%)	$241,200 (+10.44%) Land $42,500 Building $198,700
2022	$3,176.00 Homeowner's exemption	$218,400 Land $38,200 Building $180,200	$218,400 Land $38,200 Building $180,200

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

Flood

FEMA maps place 218 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 218 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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