Osceola County property record for 2245 Missouri Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,456 sqft · built 2004 |
| Lot Size | 0.177 acres (7,710 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $213,500 (Sep 2019) |
| Tax Bill | $2,548 (2025) |
| Deeds & Mortgages | Dec 2021 Mortgage Sep 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 11-26-30-0169-0001-0050 |
| Primary APN | 11-26-30-0169-0001-0050 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,456 sqft Living Area |
| Gross Area | 2,080 sqft |
| 1st Floor Area | 1,456 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Architectural Style | Conventional |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 7,710 sqft (0.177 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
|---|---|
| Porch Area | 224 sqft |
| Patio Area | 56 sqft |
| Shed | 1 Shed |
| Shed Area | 48 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 2245 MISSOURI AVE |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-5013 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS-3 |
| Legal Description | MEARS ESTATES PB 15 PG 196 LOT 5 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 11 |
| Legal Subdivision | MEARS ESTATES |
| Legal Tract | 169 |
| Legal Block | 50 |
| Legal Lot Number | 5 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2019 |
| Census Tract | 43303 |
Source: Osceola County records, as of November 26, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 2245 MISSOURI AVE, SAINT CLOUD, FL 34769-5013 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 27, 2021 | Deed of Trust, Mortgage · FHA Mortgage US BANK NA |
| Sep 24, 2019 | Warranty Deed, Transfer · FHA Mortgage ATLANTIC BAY MORTGAGE GROUP LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 24, 2019 · Amount on Record |
| Deed Sale | Sep 24, 2019 · Amount on Record |
| Prior Sale | Jul 12, 2016 · Amount on Record |
| Deed Document Number | 2019123105 |
| Deed Book / Page | 5594 / 650 |
| Prior Transfer Date | Jun 27, 2016 |
| Prior Transfer Doc | 0049910285 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 2245 MISSOURI AVE, SAINT CLOUD, FL 34769-5013 |
| Transaction Type | Mortgage |
| Record Updated | May 2, 2022 |
| Name | Verified Name |
|---|---|
| Address | 2245 MISSOURI AVE, SAINT CLOUD, FL 34769-5013 |
| Document Number | 0061151894 |
|---|---|
| Date | Dec 27, 2021 |
| Book Page | 6115/1894 |
| Instrument | 2021199075 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Sep 24, 2019 |
| Property Address | 2245 MISSOURI AVE, SAINT CLOUD, FL 34769-5013 |
| Document Number | 0055940650 |
| Book / Page | 5594 / 0650 |
| Map Reference | MB 15 PG 196 |
| Instrument Date | Sep 6, 2019 |
| Instrument | 2019123105 |
| Transaction Type | Transfer |
| Record Updated | May 2, 2022 |
| Title Company | CLASSIC TITLE & SLN INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,494.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2245 MISSOURI AVE, 2245, SAINT CLOUD, FL 34769-5013 |
| Name | Verified Name |
|---|---|
| Address | 2245 MISSOURI AVE, SAINT CLOUD, FL 34769-5013 |
| Document Number | 0005594651 |
|---|---|
| Date | Sep 24, 2019 |
| Instrument | 5594/651 |
| Name | ATLANTIC BAY MORTGAGE GROUP LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2049 |
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 | $2,548.00 (+3.66%) Homeowner's exemption | $185,274 (+5.99%) | $240,500 (+4.16%) Land $55,000 Building $185,500 |
| 2024 | $2,458.00 (+2.89%) | ||
| 2023 | $2,389.00 (+3.91%) Homeowner's exemption | $174,809 (+3%) | $230,900 (+14.25%) Land $50,000 Building $180,900 |
| 2022 | $2,299.00 Homeowner's exemption | $169,718 | $202,100 Land $48,000 Building $154,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 38 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 38 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 56% of the US · lower than 71% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% 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 114 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: AT&T, CenturyLink.
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