Osceola County property record for 224 Pennsylvania Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,023 sqft · built 1958 |
| Lot Size | 0.224 acres (9,757 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $250,000 (May 2025) |
| Tax Bill | $3,771 (2025) |
| Deeds & Mortgages | Nov 2018 Loan Modification |
| Flood Zone | Zone X (moderate risk) |
| APN | 01-26-30-0001-0434-0020 |
| Primary APN | 01-26-30-0001-0434-0020 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 1,023 sqft Living Area |
| Gross Area | 1,961 sqft |
| 1st Floor Area | 1,023 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Year Built | Built 1958 |
|---|---|
| Effective Year Built | Effective 1965 |
| Architectural Style | Custom Design |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Shed Roof |
| Roof Material | Metal |
| Lot Area | 9,757 sqft (0.224 acres) |
| Lot Dimensions | 150 ft deep x 65 ft wide |
| Garage Type | Carport |
| Garage Area | 300 sqft |
| Carport | Carport |
| Carport Area | 300 sqft |
| Porch | Florida Room |
| Porch Area | 548 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 224 PENNSYLVANIA AVE |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-2379 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR1A |
| Legal Description | LAKE FRONT ADDN PB B PG 63 BLK 434 LOT 2 LESS N 35 FT |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD 2ND PLAT TOWN OF |
| Legal Tract | 1 |
| Legal Block | 434 |
| Legal Lot Number | 2 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 43500 |
224 Pennsylvania Ave is owned and occupied by two individuals who acquired it in May 2025.
Source: Osceola County records, as of March 26, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 224 PENNSYLVANIA AVE, SAINT CLOUD, FL 34769-2379 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 16, 2025 · Amount on File |
| Deed Sale | May 16, 2025 · Amount on File |
| Deed Document Number | 202562596 |
| Deed Book / Page | 6789 / 893 |
| Last Transfer Date | May 22, 2025 |
| Transfer Doc | 0067922986 |
| Record Updated | Jun 8, 2026 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 224 PENNSYLVANIA AVE, SAINT CLOUD, FL 34769-2379 |
| Document Number | 0054321879 |
| Instrument Date | Nov 2, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Dec 3, 2018 |
| Title Company | AMERICAN TITLE COMPANY, AMERICAN TITLE INC |
| Name | Verified Name |
|---|---|
| Address | 224 PENNSYLVANIA AVE ST CLOUD FL 347692379, ST CLOUD, FL 34769-2379 |
| Document Number | 0054321879 |
|---|---|
| Date | Nov 13, 2018 |
| Book Page | 005432/001879 |
| Instrument | 167718 |
| Name | SUNTRUST BK |
|---|---|
| Type | Bank |
| Address | ORLANDO, FL 32809 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 12, 2048 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 224 Pennsylvania Ave was $3,771, up 602.2% 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 | $3,771.00 (+602.23%) | $210,500 Land $60,000 Building $150,500 | $210,500 Land $60,000 Building $150,500 |
| 2024 | $537.00 (+0.75%) | ||
| 2023 | $533.00 (+1.91%) Homeowner's exemption | $64,423 (+3%) | $183,400 (+14.48%) Land $55,000 Building $128,400 |
| 2022 | $523.00 Homeowner's exemption | $62,547 | $160,200 Land $50,000 Building $110,200 |
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.
FEMA maps place 224 Pennsylvania Ave in Zone X, an area of moderate flood risk, within 100 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 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 17 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 17 in force |
| Nearby Flood Claims | 1 (1994) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Nov 1994 · rainfall accumulation |
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 224 Pennsylvania Ave is low, with a 0.03% annual chance of 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 | 0.03% annual chance |
| Exposure | None beyond ember reach |
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 330 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 |
| Verizon Fixed Wireless | 300 / 20 |
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