221 Georgia Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 221 Georgia Ave, Saint Cloud, FL 34769 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 6.5 ba · 3,276 sqft · built 1973
Lot Size	0.289 acres (12,588 sqft)
Owner	Individual Name on File
Last Sale	$500,000 (Apr 2022)
Tax Bill	$8,480 (2025)
Deeds & Mortgages	Apr 2022 Sale & Mortgage Apr 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`01-26-30-0001-0447-0060`

Property Details

APN / Parcel Number

Primary APN	`01-26-30-0001-0447-0060`
Alternative APNs	`263001000104470060` `80388`

Interior

Bedrooms	4 Beds
Full Baths	6.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,276 sqft Living Area
Gross Area	3,404 sqft
1st Floor Area	2,099 sqft
Upper Floors Area	1,012 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1995
Architectural Style	Conventional
Exterior Material	Fiber Cement Siding
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	12,588 sqft (0.289 acres)
Lot Dimensions	150 ft deep x 84 ft wide
Garage Area	480 sqft

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	636 sqft
Porch	Florida Room
Porch Area	293 sqft
Deck Area	700 sqft
Patio Area	190 sqft
Shed	1 Shed
Shed Area	140 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	221 GEORGIA AVE
City	SAINT CLOUD
State	FL
Zip	34769-2146
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TOWN OF ST CLOUD LAKEFRONT ADDN PB B PG 61-62 BLK 447 LOT 6 LESSN 16 FT
Legal Range	30E
Legal Township	26S
Legal Section	01
Legal Subdivision	ST CLOUD 2ND PLAT TOWN OF
Legal Tract	1
Legal Block	447
Legal Lot Number	6
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3016
Census Tract	43400

Owner

Source: Osceola County records · APN 01-26-30-0001-0447-0060

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 Record	Individual Name on File
Mailing Address	2610 ROUGHSIDE CIR, KISSIMMEE, FL 34746-3897
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 05, 2022	Correction Deed · Conventional Mortgage PMAC LENDING SERVICES INC
Apr 01, 2022	Warranty Deed, Transfer · Conventional Mortgage PMAC LENDING SERVICES INC
Oct 05, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage LENDINGHOME FUNDING CORP

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 05, 2022 · Amount on Record
Deed Sale	Apr 05, 2022 · Amount on Record
Prior Sale	Apr 01, 2022 · Amount on Record
Deed Document Number	202254193
Deed Book / Page	6187 / 2429
Prior Transfer Date	Aug 12, 2005
Prior Transfer Doc	0028901627
Record Updated	Jun 08, 2026

April 2022: Correction Deed

Document Type	Correction Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 05, 2022
Property Address	221 GEORGIA AVE, SAINT CLOUD, FL 34769-2146
Document Number	0061872429
Book / Page	6187 / 2429
Map Reference	MB B PG 61-64
Instrument Date	Mar 31, 2022
Instrument	2022054193
Record Updated	Apr 19, 2022
Title Company	FLORIDA TITLESMITH LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	13353 MALLARD COVE BLVD, 13353, ORLANDO, FL 32837-5343

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2610 RALGH CIRRCLE, KISSIMMEE, FL 34746

Mortgage

Document Number	0061872431
Date	Apr 05, 2022
Book Page	6187/2431
Instrument	2022054194

Lender

Name	PMAC LENDING SERVICES INC
Type	Mortgage Company
Address	BREA, CA 92821

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 01, 2052

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 01, 2022
Property Address	221 GEORGIA AVE, SAINT CLOUD, FL 34769-2146
Document Number	0061842785
Book / Page	6184 / 2785
Map Reference	MB B PG 61-64
Instrument Date	Mar 31, 2022
Instrument	2022052137
Transaction Type	Transfer
Record Updated	Apr 13, 2022
Title Company	FLORIDA TITLESMITH LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$3,500.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	13353 MALLARD COVE BLVD, 13353, ORLANDO, FL 32837-5343

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	221 GEORGIA AVE, SAINT CLOUD, FL 34769-2146

Mortgage

Document Number	0061842787
Date	Apr 01, 2022
Instrument	6184/2787

Lender

Name	PMAC LENDING SERVICES INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 01, 2052

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 05, 2021
Property Address	221 GEORGIA AVE, SAINT CLOUD, FL 34769-2146
Document Number	0060590249
Book / Page	6059 / 249
Map Reference	MB B PG 61
Instrument Date	Oct 01, 2021
Instrument	2021154778
Transaction Type	Transfer
Record Updated	Oct 19, 2021
Title Company	FIRST INTERNATIONAL TITLE, FIRST INTERNATIONAL TTL INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,680.00
Amount Accuracy	Rounded by County
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13353 MALLARD COVE BLVD, ORLANDO, FL 32837-5343

Mortgage

Document Number	6059251
Date	Oct 05, 2021
Instrument	6059/251

Lender

Name	LENDINGHOME FUNDING CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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

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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$8,480.00 (+3.11%)	$473,600 (+14.18%) Land $60,000 Building $413,600	$473,600 (+14.18%) Land $60,000 Building $413,600
2024	$8,224.00 (+10.03%)
2023	$7,474.00 (+36.51%)	$414,800 (+36.63%) Land $55,000 Building $359,800	$414,800 (+36.63%) Land $55,000 Building $359,800
2022	$5,475.00	$303,600 Land $50,000 Building $253,600	$303,600 Land $50,000 Building $253,600

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 Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Cost	Premium on Record median of 98 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	110 units insured 12 under condo master policies
Nearby Flood Claims	24 (1994–2022)
Claims Outside the SFHA	3 of 24
Most Recent Claim	Sep 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 Risk	Low above 2% of the US · above 2% of Florida
Wildfire Likelihood	About 1 in 5,556 per year
Exposure	Direct burnable vegetation at the parcel

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

Provider	Technology	Download / Upload (Mbps)
Lumen Technologies	Fiber	8,000 / 8,000
Spectrum	Cable	1,000 / 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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