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226 Missouri Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 226 Missouri Ave, Saint Cloud, FL 34769

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,410 sqft · built 2015
Lot Size0.219 acres (9,583 sqft)
OwnerIndividual Name on Record
Last Sale$387,000 (Aug 2023)
Tax Bill$4,928 (2025)
Deeds & MortgagesAug 2023 Second Mortgage
Aug 2023 Sale & Mortgage
+ 1 more
Flood ZoneZone X (moderate risk)
APN012630000104400045

Property Details

APN / Parcel Number

Primary APN012630000104400045

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,410 sqft Heated Area
Gross Area1,852 sqft
1st Floor Area1,410 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2015
Exterior MaterialConcrete Block
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area9,583 sqft (0.219 acres)
Lot Dimensions150 ft deep x 62.5 ft wide
Garage TypeFinished
Garage Area400 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

PorchOpen Porch
Porch Area42 sqft
Patio Area48 sqft
Shed1 Shed
Shed Area80 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address226 MISSOURI AVE
CitySAINT CLOUD
StateFL
Zip34769-2202
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLAKE FRONT ADD PB B PGS 61-64 BLK 440 THE S 25 FT OF LOT 3 AND 37.5 FT OF LOT 4 2/26/30
Legal Range30E
Legal Township26S
Legal Section01
Legal SubdivisionST CLOUD 2ND AND 3RD STREETS
Legal Tract1
Legal Block440
Legal Lot Number2-4,37
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group2
Census Block2008
Census Tract43400

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on Record
Mailing Address226 MISSOURI AVE, SAINT CLOUD, FL 34769-2202
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Aug 29, 2023Deed of Trust, Mortgage · Stand-Alone Second Mortgage
CMG MORTGAGE INC
Aug 29, 2023Warranty Deed, Transfer · VA Mortgage
CMG MORTGAGE INC
Feb 3, 2017Deed of Trust, Mortgage · FHA Mortgage
PENNYMAC

Assessor's Deed Record

Deed NamesName on Deed
Last SaleAug 29, 2023 · Amount on Record
Deed SaleAug 29, 2023 · Amount on Record
Prior SaleApr 2, 2015 · Amount on Record
Deed Document Number2023113952
Deed Book / Page6465 / 2810
Record UpdatedJun 8, 2026

August 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address226 MISSOURI AVE, SAINT CLOUD, FL 34769-2202
Transaction TypeMortgage
Record UpdatedSep 13, 2023
Title CompanyMAGNOLIA CLOSING COMPANY, MAGNOLIA CLOSING CO

Transferred To (Grantee/Buyer)

NameVerified Name
Address226 MISSOURI AVE, SAINT CLOUD, FL 34769-2202

Mortgage

Document Number0064652834
DateAug 29, 2023
Book Page6465/2834
Instrument2023113954
Lender
NameCMG MORTGAGE INC
TypeMortgage Company
AddressSAN RAMON, CA 94583
Agreement
TypeStand-Alone Second Mortgage
AmountAmount Recorded

August 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateAug 29, 2023
Property Address226 MISSOURI AVE, SAINT CLOUD, FL 34769-2202
Document Number0064652810
Book / Page6465 / 2810
Map ReferenceMB B PG 61-64
Instrument DateAug 25, 2023
Instrument2023113952
Transaction TypeTransfer
Record UpdatedSep 13, 2023
Title CompanyMAGNOLIA CLOSING CO

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,709.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address2975 VOYAGER AVE, SAINT CLOUD, FL 34771-9388

Transferred To (Grantee/Buyer)

NameVerified Name
Address226 MISSOURI AVE, SAINT CLOUD, FL 34769-2202

Mortgage

Document Number0064652812
DateAug 29, 2023
Book Page6465/2812
Instrument2023113953
Lender
NameCMG MORTGAGE INC
TypeMortgage Company
AddressSAN RAMON, CA 94583
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueSep 1, 2053

February 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address226 MISSOURI AVE, SAINT CLOUD, FL 34769-2202
Document Number0051011492
Book / Page005101 / 001492
Instrument DateFeb 3, 2017
Transaction TypeMortgage
Record UpdatedMar 17, 2017
Title CompanyTITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address226 MISSOURI AVE ST CLOUD FL 347692202, ST CLOUD, FL 34769-2202

Mortgage

Document Number0051011492
DateFeb 13, 2017
Book Page005101/001492
Instrument24000
Lender
NamePENNYMAC
AddressWESTLAKE VILLAGE, CA 91361
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueFeb 12, 2047

Tax Assessment & Valuation

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$4,928.00 (+195.62%) Homeowner's exemption$318,200 (+136.15%) Land $60,000 Building $258,200$318,200 (+14.38%) Land $60,000 Building $258,200
2023$1,667.00 (+4.32%) Homeowner's exemption$134,744 (+3%)$278,200 (+18.53%) Land $55,000 Building $223,200
2022$1,598.00 Homeowner's exemption$130,820$234,700 Land $50,000 Building $184,700

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.

Flood

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

FEMA Flood ZoneZone X
moderate risk
500-Year FloodplainYes
0.2% annual chance
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 18 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies18 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

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

Wildfire RiskLow
lower than 65% of the US · lower than 91% of Florida
Wildfire Likelihood0.04% annual chance
ExposureDirect
burnable vegetation

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 306 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
Verizon
Fixed Wireless		300 / 20

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