Osceola County property record for 232 Missouri Ave, Saint Cloud, FL 34769 · Last verified April 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 2015 |
| Square Footage | 1,588 sqft Living Area |
| Lot Size | 9,583 sqft (0.22 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $386,000 (2023) |
| Tax Bill | $6,386.00 (2024) |
| Primary APN | 01-26-30-0001-0440-0040 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,588 sqft Living Area |
| Gross Area | 2,036 sqft Gross Area |
| 1st Floor | 1,588 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Wood Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2015 |
|---|---|
| Effective Year Built | Effective 2015 |
| Architectural Style | Conventional Style |
| Exterior Material | Concrete Block Exterior |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 9,583 sqft (0.22 acres) |
| Depth X Width | 150 ft x 100 ft Depth x Width |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 418 sqft Garage |
| Patio Area | 222 sqft Patio |
| Porch Area | 30 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 232 MISSOURI AVE |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-2202 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LAKE FRONT ADD PB B PGS 61-64 BLK 440 THE S 62.50 FT OF LOT 4 2/26/30 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD 2ND PLAT TOWN OF |
| Legal Tract | 1 |
| Legal Block | 440 |
| Legal Lot Number | 4 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 2 |
| Census Block | 2008 |
| Census Tract | 43400 |
Source: Osceola County records · APN 01-26-30-0001-0440-0040
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 Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 232 MISSOURI AVE, SAINT CLOUD, FL 34769-2202 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Vesting | Husband And Wife |
| Date | Document |
|---|---|
| May 19, 2023 | Warranty Deed, Transfer · Conventional Mortgage CMG MORTGAGE INC |
| Jun 04, 2020 | Deed of Trust, Mortgage · Veterans Administration Mortgage GOLD STAR MORTGAGE FINANCIAL GROUP CORP |
| Mar 09, 2018 | Warranty Deed, Transfer · Veterans Administration Mortgage FBC MORTGAGE LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 19, 2023 · Amount on Record |
| Deed Sale | May 19, 2023 · Amount on Record |
| Prior Sale | Mar 09, 2018 · Amount on Record |
| Deed Doc Number | 202364581 |
| Deed Book / Page | 6410 / 1353 |
| Prior Transfer Date | Nov 12, 2009 |
| Prior Transfer Doc | 0039282232 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | May 19, 2023 |
| Property Address | 232 MISSOURI AVE, SAINT CLOUD, FL 34769-2202 |
| Document Number | 0064101353 |
| Book / Page | 6410 / 1353 |
| Map Reference | MB B PG 61 |
| Instrument Date | May 18, 2023 |
| Instrument | 2023064581 |
| Transaction Type | Transfer |
| Record Updated | Jun 05, 2023 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,702.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 232 MISSOURI AVE, SAINT CLOUD, FL 34769-2202 |
| Name | Verified Name |
|---|---|
| Address | 232 MISSOURI AVE, SAINT CLOUD, FL 34769-2202 |
| Investor | Possibly a Property Investor |
| Document Number | 0064101356 |
|---|---|
| Date | May 19, 2023 |
| Instrument | 6410/1356 |
| Name | CMG MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 232 MISSOURI AVE, SAINT CLOUD, FL 34769-2202 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0057320150 |
|---|---|
| Date | Jun 04, 2020 |
| Book Page | 5732/150 |
| Instrument | 2020071819 |
| Name | GOLD STAR MORTGAGE FINANCIAL GROUP CORP |
|---|---|
| Type | Mortgage Company |
| Address | ANN ARBOR, MI 48108 |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 01, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Mar 09, 2018 |
| Property Address | 232 MISSOURI AVE, SAINT CLOUD, FL 34769-2202 |
| Document Number | 0052990055 |
| Book / Page | 5299 / 0055 |
| Map Reference | MB B PG61-64 |
| Instrument Date | Mar 05, 2018 |
| Instrument | 2018039984 |
| Transaction Type | Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | GULF STREAM TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,582.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3371 PATTERSON HEIGHTS DR, 3371, HAINES CITY, FL 33844-8215 |
| Name | Verified Name |
|---|---|
| Address | 22 MISSOURI AVE, SAINT CLOUD, FL 34769-2238 |
| Document Number | 2018039985 |
|---|---|
| Date | Mar 09, 2018 |
| Instrument | 2018039985 |
| Name | FBC MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2048 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,683.00 (-11.01%) Homeowner's exemption | $360,400 (+58.9%) Land $60,000 Building $300,400 | $360,400 (+14.3%) Land $60,000 Building $300,400 |
| 2024 | $6,386.00 (+97.4%) | ||
| 2023 | $3,235.00 (+3.72%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $226,814 (+3%) | $315,300 (+18.49%) Land $55,000 Building $260,300 |
| 2022 | $3,119.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $220,208 | $266,100 Land $50,000 Building $216,100 |
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
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Moderate |
| 500-Year Floodplain | Yes |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Wildfire Risk | Low above 34% of the US · above 9% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 2,439 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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