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220 Georgia Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 220 Georgia Ave, Saint Cloud, FL 34769 · Last verified April 2026

Property Summary

Property TypeSingle Family Home
Details2 ba · 1,375 sqft · built 1972
Lot Size0.241 acres (10,497 sqft)
OwnerIndividual Name on File
Last Sale$280,000 (Sep 2025)
Tax Bill$411 (2025)
Deeds & MortgagesSep 2025 Sale & Mortgage
Jul 2023 Transfer
Flood ZoneZone X (moderate risk)
APN01-26-30-0001-0448-0045

Property Details

APN / Parcel Number

Primary APN01-26-30-0001-0448-0045
Alternative APNs
  • 263001000104480045
  • 80399

Interior

Full Baths2 Baths
Stories1 Story
Building Area1,375 sqft Living Area
Gross Area1,679 sqft
1st Floor Area1,100 sqft
FlooringCarpet
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1972
Effective Year BuiltEffective 1972
Architectural StyleCustom Design
Exterior MaterialConcrete Block
Construction TypeMasonry / Concrete Block
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area10,497 sqft (0.241 acres)
Lot Dimensions150 ft deep x 70 ft wide

Exterior Amenities

PorchFlorida Room
Porch Area579 sqft
Shed1 Shed
Shed Area80 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address220 GEORGIA AVE
CitySAINT CLOUD
StateFL
Zip34769-2147
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLAKE FRONT ADDN PB B PG 61-62 BLK 448 S 45 FT LOT 4 & N 25 FT LOT 5
Legal Range30E
Legal Township26S
Legal Section01
Legal SubdivisionST CLOUD 2ND PLAT TOWN OF
Legal Tract1
Legal Block448
Legal Lot Number45
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group3
Census Block3017
Census Tract43400

Owner

Source: Osceola County records · APN 01-26-30-0001-0448-0045

Assessment roll updated November 26, 2025 · Last verified April 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Mailing Address220 GEORGIA AVE, SAINT CLOUD, FL 34769-2147
OccupancyOwner Occupied
Owner TypeIndividual
VestingSingle

Deeds, Mortgages & Sale History

DateDocument
Sep 30, 2025Warranty Deed, Transfer · FHA Mortgage
UNITED WHOLESALE MORTGAGE
Jul 31, 2023Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleSep 30, 2025 · Amount on Record
Deed SaleSep 30, 2025 · Amount on Record
Deed Document Number2025120614
Deed Book / Page6856 / 1131
Prior Transfer DateJul 28, 2023
Prior Transfer Doc0064490374
Record UpdatedJun 08, 2026

September 2025: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateSep 30, 2025
Property Address220 GEORGIA AVE, SAINT CLOUD, FL 34769-2147
Document Number0068561131
Book / Page6856 / 1131
Map ReferenceMB B PG 61-64
Instrument DateSep 23, 2025
Instrument2025120614
Transaction TypeTransfer
Record UpdatedOct 23, 2025
Title CompanySTEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,960.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address2767 SWINDELL RD, LAKELAND, FL 33805-3815

Transferred To (Grantee/Buyer)

NameVerified Name
Address220 GEORGIA AVE, SAINT CLOUD, FL 34769-2147

Mortgage

Document Number0068561133
DateSep 30, 2025
Instrument6856/1133
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueOct 01, 2055

July 2023: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionOSCEOLA FL
Recording DateJul 31, 2023
Property Address220 GEORGIA AVE, SAINT CLOUD, FL 34769-2147
Document Number0064490374
Book / Page6449 / 374
Map ReferenceMB B PG 61-64
Instrument DateJul 28, 2023
Instrument2023098601
Transaction TypeTransfer
Record UpdatedAug 15, 2023

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address306 16TH ST, SAINT CLOUD, FL 34769-4641

Transferred To (Grantee/Buyer)

NameVerified Name
Address220 GEORGIA AVE, SAINT CLOUD, FL 34769-2147

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 2026

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

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.

YearTax BillAssessed ValueAssessed Market Value
2025$411.00 (+5.38%)$78,534 (+2.9%)$246,900 (+1.56%) Land $60,000 Building $186,900
2024$390.00 (+3.17%) Homeowner's exemption Senior Citizen's exemption Additional exemption filed$76,321 (+3%)$243,100 (+13.33%) Land $58,000 Building $185,100
2023$378.00 (+3%) Homeowner's exemption Senior Citizen's exemption$74,099 (+3%)$214,500 (+18.31%) Land $55,000 Building $159,500
2022$367.00 Homeowner's exemption Senior Citizen's exemption$71,941$181,300 Land $50,000 Building $131,300

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970434003, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardModerate
500-Year FloodplainYes
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance CostPremium on Record
median of 98 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies110 units insured
12 under condo master policies
Nearby Flood Claims24 (1994–2022)
Claims Outside the SFHA3 of 24
Most Recent ClaimSep 2022, river or lake flooding, Hurricane Ian
Claims By Storm
  • Hurricane Ian, Sep 2022 · 4 claims
  • Hurricane Ian, Sep 2022 · 2 claims
  • Hurricane Frances, Sep 2004 · 3 claims

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 368 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
Lumen TechnologiesFiber8,000 / 8,000
SpectrumCable1,000 / 1,000

May also be available at this address: Verizon, AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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