236 Montana Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 236 Montana Ave, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,638 sqft · built 1978
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on File
Last Sale	$250,000 (Apr 2021)
Tax Bill	$3,986 (2025)
Deeds & Mortgages	Apr 2021 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`80429`

Property Details

APN / Parcel Number

Primary APN	`80429`
Alternative APN	`012630000104500045`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,638 sqft Heated Area
Gross Area	1,738 sqft
1st Floor Area	1,110 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1988
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,712 sqft (0.2 acres)
Lot Dimensions	138 ft deep x 62.5 ft wide

Exterior Amenities

Porch	Enclosed Porch
Porch Area	528 sqft
Fence	Fence
Shed	1 Shed
Shed Area	48 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	80429
Street Address	236 MONTANA AVE
City	SAINT CLOUD
State	FL
Zip	34769-2181
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR2
Legal Description	LAKE FRONT ADDN PB B PG 61 BLK 450 S 25 FT OF E 138.4 FT LOT 4 & N 37.5 FT OF E 138.4 FT LOT 5
Legal Range	30E
Legal Township	26S
Legal Section	01
Legal Subdivision	ST CLOUD
Legal Tract	1
Legal Block	450
Legal Lot Number	4-5
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3006
Census Tract	43400

Owner

236 Montana Ave is owned and occupied by an individual who bought it in April 2021.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	236 MONTANA AVE, SAINT CLOUD, FL 34769-2181
Occupancy	Owner Occupied
Owner Type	Individual

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 Names	2 Names on Deed
Last Sale	Apr 26, 2021 · Amount on File
Deed Sale	Apr 26, 2021 · Amount on File
Deed Document Number	0005944379
Deed Book / Page	5944 / 379
Record Updated	Jun 8, 2026

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 26, 2021
Property Address	236 MONTANA AVE, SAINT CLOUD, FL 34769-2181
Document Number	0059440379
Book / Page	5944 / 379
Map Reference	MB B PG 61-64
Instrument Date	Apr 26, 2021
Instrument	2021063124
Transaction Type	Transfer
Record Updated	May 12, 2021
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,750.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3360 TITANIC CIR, 3360, INDIALANTIC, FL 32903-1868

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	236 MONTANA AVE, SAINT CLOUD, FL 34769-2181

Mortgage

Document Number	5944380
Date	Apr 26, 2021
Instrument	5944/380

Lender

Name	SUMMIT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 236 Montana Ave was $3,986 with a homeowner's exemption.

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

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Municipality	St. Cloud City
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,986.00 Homeowner's exemption	$265,601	$294,400 Land $46,800 Building $247,600
2023	$3,754.00 (+3.56%) Homeowner's exemption	$250,599 (+3%)	$268,500 (+10.36%) Land $42,500 Building $226,000
2022	$3,625.00 Homeowner's exemption	$243,300 Land $38,200 Building $205,100	$243,300 Land $38,200 Building $205,100

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

Flood

FEMA maps place 236 Montana Ave in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 98 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	110 units insured incl. 12 condo units
Nearby Flood Claims	24 (1994–2022)
Claims Outside the SFHA	3 of 24
Most Recent Claim	Sep 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 236 Montana 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 Risk	Low lower than 66% of the US · lower than 91% of Florida
Wildfire Likelihood	0.04% annual chance
Exposure	None 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 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

Violations Reported to EPA

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.

Internet Providers

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

Provider	Max 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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