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23 Florida Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 23 Florida Ave, Saint Cloud, FL 34769 · Last verified April 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms2 Beds
Bathrooms1 Baths
Year BuiltBuilt 2002
Square Footage944 sqft Living Area
Lot Size4,486 sqft (0.103 acres)
OccupancyOwner Occupied
Last Sale$320,000 (2024)
Tax Bill$3,497.00 (2024)

Property Details

APN / Parcel Number

Primary APN01-26-30-0650-0001-0537
Alternative APNs
  • 263001065000010537
  • 80730

Interior

Bedrooms2 Beds
Full Baths1 Baths
Building Area944 sqft Living Area
Gross Area1,634 sqft Gross Area
1st Floor944 sqft 1st Floor
Stories1 Stories
Primary FlooringWood Flooring
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 1947
Effective Year BuiltEffective 2002
Architectural StyleConventional Style
Exterior MaterialCombination Exterior
Construction TypeFrame Construction
Roof ConstructionGable/Hip Roof Construction
Roof MaterialMetal Roof
Lot Area4,486 sqft (0.103 acres)
Depth X Width90 ft x 50 ft Depth x Width
Parking Spaces1 Parking Spaces
Garage TypeDetached Garage
Garage Area330 sqft Garage
Porch Area552 sqft Porch

Utilities and HVAC

Cooling SystemA/C Package Cooling
Heating SystemHVAC Heating

Location & Zoning

Street Address23 FLORIDA AVE
CitySAINT CLOUD
StateFL
Zip34769-2346
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionST CLOUD BLVD LOTS PB B PG 061 S 50 FT OF W 90 FT LOT 53
Legal Range30E
Legal Township26S
Legal Section01
Legal SubdivisionLAKE FRONT ADD TO TOWN OF ST CLOUD
Legal Tract650
Legal Block537
Legal Lot Number53
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup3
Census Block3005
Census Tract43500

Owner

Source: Osceola County records · APN 01-26-30-0650-0001-0537

Assessment roll updated November 26, 2025 · Last verified April 2026

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

Owner of Record2 Individual Names on File
Mailing Address23 FLORIDA AVE, SAINT CLOUD, FL 34769-2346
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity
VestingHusband And Wife

Deeds, Mortgages & Sale History

DateDocument
Aug 07, 2019Grant Deed, Mortgage · Line of Credit
MORGAN STANLEY MTG CAP HOLDING
Feb 20, 2019Warranty Deed, Transfer
STEWART TITLE
Aug 07, 2017Warranty Deed, Transfer
STEWART TITLE

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleSep 20, 2024 · Amount on Record
Deed SaleSep 20, 2024 · Amount on Record
Prior SaleFeb 20, 2019 · Amount on Record
Deed Doc Number2024121656
Deed Book / Page6668 / 1282
Prior Transfer DateNov 09, 2015
Prior Transfer Doc0048700018
Record RefreshedJun 08, 2026

August 2019: Grant Deed, Mortgage

Document TypeGrant Deed
JurisdictionOSCEOLA FL
Recording DateAug 07, 2019
Property Address23 FLORIDA AVE, SAINT CLOUD, FL 34769-2346
Document Number0055691682
Book / Page005569 / 001682
Instrument DateJul 31, 2019
Instrument101710
Transaction TypeMortgage
Record UpdatedOct 03, 2019
Title CompanySTEWART TITLE, STEWART TITLE GUARANTY CO

Transaction

AmountAmount Recorded
Tax$0.70
Additional
  • Multiple parcels conveyed, unknown impact to APN

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address120 S RIVERSIDE PLZ #2000 CHICAGO IL 606066995, 2000, CHICAGO, IL 60606-6995

Mortgage

Document Number55892671
DateAug 07, 2019
Book Page005589/002671
Instrument118855
Lender
NameMORGAN STANLEY MTG CAP HOLDING
TypeMortgage Company
Address1585 BROADWAY # 24TH, NEW YORK, NY 10036-8200
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate

February 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateFeb 20, 2019
Property Address23 FLORIDA AVE, SAINT CLOUD, FL 34769-2346
Document Number0054800323
Book / Page005480 / 000323
Instrument DateFeb 20, 2019
Instrument22056
Transaction TypeTransfer
Record UpdatedMar 15, 2019
Title CompanySTEWART TITLE

Transaction

AmountAmount Recorded
Tax$1,365.00
Amount AccuracyConfirmed
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address180 N STETSON AVE #3650 CHICAGO IL 606016709, 3650, CHICAGO, IL 60601-6709
InvestorPossibly a Property Investor

August 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateAug 07, 2017
Property Address23 FLORIDA AVE, SAINT CLOUD, FL 34769-2346
Document Number0051901097
Book / Page005190 / 001097
Instrument DateAug 03, 2017
Instrument113466
Transaction TypeTransfer
Record UpdatedAug 25, 2017
Title CompanySTEWART TITLE

Transaction

AmountAmount Recorded
Tax$875.00
Amount AccuracyConfirmed
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenant/Joint Tenant w/ Right Of Survivorship
Address1105 DEAN ST ST CLOUD FL 347714813, ST CLOUD, FL 34771-4813

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

YearTax BillAssessed ValueAssessed Market Value
2025$815.00 (-76.69%)$88,433 (-52.61%)$253,900 (+36.07%) Land $54,800 Building $199,100
2024$3,497.00 (+10.49%)
2023$3,165.00 (+13.04%)$186,600 (+20.23%) Land $47,400 Building $139,200$186,600 (+20.23%) Land $47,400 Building $139,200
2022$2,800.00$155,200 Land $40,200 Building $115,000$155,200 Land $40,200 Building $115,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone AE
Flood HazardHigh
100-Year FloodplainYes
1% annual chance
Special Flood Hazard AreaYes
Flood Insurance RequirementRequired (federally backed mortgages)
FloodwayNo
Base Flood Elevation61.0 ft

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

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