Osceola County property record for 221 Mississippi Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,499 sqft · built 1983 |
| Lot Size | 0.281 acres (12,240 sqft) |
| Owner | Individual Name on File |
| Last Sale | $238,000 (Nov 2017) |
| Tax Bill | $3,174 (2025) |
| Deeds & Mortgages | Jul 2026 Line of Credit Nov 2017 Sale & Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | 01-26-30-0001-0421-0060 |
| Primary APN | 01-26-30-0001-0421-0060 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,499 sqft Living Area |
| Gross Area | 2,002 sqft |
| 1st Floor Area | 1,499 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1983 |
|---|---|
| Effective Year Built | Effective 1998 |
| Architectural Style | Conventional |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 12,240 sqft (0.281 acres) |
| Lot Dimensions | 122 ft deep x 100 ft wide |
| Garage Type | Attached |
| Garage Area | 483 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | In-Ground Pool |
|---|---|
| Pool Area | 496 sqft |
| Porch | Florida Room |
| Porch Area | 384 sqft |
| Deck Area | 386 sqft |
| Shed | 1 Shed |
| Shed Area | 96 sqft |
| Utility Building | 90 sqft |
| Cooling System | Wall Unit |
|---|---|
| Heating System | HVAC |
| Street Address | 221 MISSISSIPPI AVE |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-2544 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR1A |
| Legal Description | GALION GARDENS PB 1 PG 140 BLK 421 LOTS 6 & 7 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD 2ND PLAT TOWN OF |
| Legal Tract | 1 |
| Legal Block | 421 |
| Legal Lot Number | 6 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 5 |
| Census Block | 5008 |
| Census Tract | 43500 |
221 Mississippi Ave is owned and occupied by an individual who bought it in November 2017.
Source: Osceola County records, as of August 6, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 5753 HIGHWAY 85 N, CRESTVIEW, FL 32536-9365 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jul 28, 2026 | Deed of Trust, Mortgage · Line of Credit CAPITAL LENDING |
| Nov 17, 2017 | Warranty Deed, Transfer · Conventional Mortgage CENTERSTATE BANK OF FLORIDA NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 17, 2017 · Amount on File |
| Deed Sale | Nov 17, 2017 · Amount on File |
| Prior Sale | May 20, 2013 · Amount on File |
| Deed Document Number | 2017164895 |
| Deed Book / Page | 5241 / 1052 |
| Prior Transfer Date | Jun 23, 2014 |
| Prior Transfer Doc | 0046280718 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jul 28, 2026 |
| Property Address | 221 MISSISSIPPI AVE, SAINT CLOUD, FL 34769-2544 |
| Document Number | 0000098534 |
| Book / Page | 7010 / 2455 |
| Instrument Date | Jul 15, 2026 |
| Instrument | 202698534 |
| Transaction Type | Mortgage |
| Record Updated | Aug 6, 2026 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES |
| Name | Verified Name |
|---|---|
| Address | 221 MISSISSIPPI AVE, SAINT CLOUD, FL 34769-2544 |
| Document Number | 0000098534, |
|---|---|
| Date | Jul 28, 2026 |
| Book Page | 7010/2455 |
| Instrument | 202698534 |
| Name | CAPITAL LENDING |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 14, 2056 |
| Rate | 6.47% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Nov 17, 2017 |
| Property Address | 221 MISSISSIPPI AVE, SAINT CLOUD, FL 34769-2544 |
| Document Number | 0052411052 |
| Book / Page | 5241 / 1052 |
| Map Reference | MB1 PG140 |
| Instrument Date | Oct 26, 2017 |
| Instrument | 2017164895 |
| Transaction Type | Transfer |
| Record Updated | Feb 8, 2022 |
| Title Company | FLORIDA TITLE & ABSTRACT II |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,666.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 107 E 13TH ST, 107, SAINT CLOUD, FL 34769-4749 |
| Name | Verified Name |
|---|---|
| Address | 715 PORTAGE ST, KISSIMMEE, FL 34741-5647 |
| Document Number | 0052411053 |
|---|---|
| Date | Nov 17, 2017 |
| Instrument | 5241/1053 |
| Name | CENTERSTATE BANK OF FLORIDA NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 1, 2047 |
The 2025 property tax bill for 221 Mississippi Ave was $3,174 with a homeowner's exemption, up 3.6% from the year before.
Source: Osceola County assessment roll, as of November 26, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,174.00 (+3.59%) Homeowner's exemption | $220,206 | $385,000 Land $55,000 Building $330,000 |
| 2024 | $3,064.00 (+2.75%) | ||
| 2023 | $2,982.00 (+3.69%) Homeowner's exemption | $207,767 (+3%) | $350,100 (+9.68%) Land $50,000 Building $300,100 |
| 2022 | $2,876.00 Homeowner's exemption | $201,716 | $319,200 Land $45,000 Building $274,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 221 Mississippi Ave in Zone X, an area of moderate flood risk, within 500 ft of a high-risk flood zone.
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 File median of 51 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 51 in force |
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 risk around 221 Mississippi Ave is moderate, ranking above 52% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 52% of the US · lower than 77% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 384 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CenturyLink Fiber | 2,000 / 1,000 |
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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