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225 Columbia Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 225 Columbia Ave, Saint Cloud, FL 34769

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,193 sqft · built 1993
Lot Size0.2 acres (8,712 sqft)
OwnerIndividual Name on File
Last Sale$192,000 (Aug 2019)
Tax Bill$4,507 (2025)
Deeds & MortgagesAug 2019 Sale & Mortgage
Flood ZoneZone AE (high risk)
APN81630

Property Details

APN / Parcel Number

Primary APN81630
Alternative APN
  • 032630055600010050

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,193 sqft Heated Area
Gross Area1,894 sqft
1st Floor Area1,193 sqft
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1993
Effective Year BuiltEffective 1999
Exterior MaterialAluminum Siding
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area8,712 sqft (0.2 acres)
Lot Dimensions138 ft deep x 62.5 ft wide
Garage TypeFinished
Garage Area437 sqft
Parking Spaces2 Parking Spaces
PorchOpen Porch
Porch Area264 sqft
FenceFence

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Account Number81630
Street Address225 COLUMBIA AVE
CitySAINT CLOUD
StateFL
Zip34769-1941
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeSR2
Legal DescriptionCOLUMBIA PLACE PB 7 PG 31 LOT 5
Legal Range30E
Legal Township26S
Legal Section03
Legal SubdivisionST CLOUD
Legal Tract556
Legal Block1
Legal Lot Number5
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group3
Census Block3006
Census Tract43400

Owner

225 Columbia Ave is owned and occupied by an individual who bought it in August 2019.

Source: Osceola County records, as of December 11, 2025

Owner of RecordIndividual Name on File
Mailing Address225 COLUMBIA AVE, SAINT CLOUD, FL 34769-1941
OccupancyOwner Occupied
Owner TypeIndividual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleAug 20, 2019 · Amount on File
Deed SaleAug 20, 2019 · Amount on File
Prior SaleMay 1, 2014 · Amount on File
Deed Document Number2019107714
Deed Book / Page5576 / 0855
Record UpdatedJun 8, 2026

August 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateAug 20, 2019
Property Address225 COLUMBIA AVE, SAINT CLOUD, FL 34769-1941
Document Number0055760855
Book / Page005576 / 000855
Instrument DateAug 19, 2019
Instrument107714
Transaction TypeTransfer
Record UpdatedAug 30, 2019
Title CompanyA-Z TEAM TITLE LLC

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,344.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address655 CARIBBEAN RD MELBOURNE FL 329374007, MELBOURNE, FL 32937-4007

Mortgage

Document Number55760857
DateAug 20, 2019
Book Page005576/000857
Instrument107715
Lender
NameNP INC
AddressBOCA RATON, FL 33431
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueAug 19, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 225 Columbia Ave was $4,507.

Source: Osceola County assessment roll, as of July 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$4,507.00$268,400 Land $46,800 Building $221,600$268,400 Land $46,800 Building $221,600
2023$3,848.00 (+11.99%)$239,400 (+16.33%) Land $42,500 Building $196,900$239,400 (+16.33%) Land $42,500 Building $196,900
2022$3,436.00$205,800 Land $38,200 Building $167,600$205,800 Land $38,200 Building $167,600

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

Flood

FEMA maps place 225 Columbia Ave in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation61.0 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on File
median of 98 individual policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies110 units insured
incl. 12 condo units
Nearby Flood Claims24 (1994–2022)
Claims Outside the SFHA3 of 24
Most Recent ClaimSep 2022 · Hurricane Ian
Claims by Event
  • Hurricane Ian, Sep 2022 · 4 claims
  • Hurricane Ian, Sep 2022 · 2 claims
  • Hurricane Frances, Sep 2004 · 3 claims

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

Wildfire risk around 225 Columbia Ave is low, with a 0.04% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 66% of the US · lower than 91% of Florida
Wildfire Likelihood0.04% annual chance
ExposureNone
beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemST. CLOUD, CITY OF (3 WPS)
serves 82,752 people · EPA ID FL3491373
Water SourceGroundwater
Last State InspectionJul 2025
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 368 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
CenturyLink
Fiber		8,000 / 8,000
Spectrum
Cable		1,000 / 1,000

May also be available: AT&T, Verizon.

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