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25 Georgia Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 25 Georgia Ave, Saint Cloud, FL 34769 · Last verified December 2025

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,160 sqft · built 1989
Lot Size0.189 acres (8,276 sqft)
OwnerIndividual Name on File
Last Sale$170,000 (Aug 2017)
Tax Bill$2,349 (2025)
Deeds & MortgagesOct 2019 Loan Modification
Sep 2019 Mortgage
+ 1 more
Flood ZoneZone AE (high risk)
APN80826

Property Details

APN / Parcel Number

Primary APN80826
Alternative APN
  • 012630065000010982

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,160 sqft Heated Area
Gross Area1,587 sqft
1st Floor Area1,160 sqft
FlooringVinyl/Resilient
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1989
Effective Year BuiltEffective 1994
Exterior MaterialAluminum Siding
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area8,276 sqft (0.189 acres)
Lot Dimensions160 ft deep x 53 ft wide
Garage TypeFinished
Garage Area376 sqft
Parking Spaces1 Parking Space

Exterior Amenities

PorchOpen Porch
Porch Area27 sqft
Patio Area80 sqft
FenceFence

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Account Number80826
Street Address25 GEORGIA AVE
CitySAINT CLOUD
StateFL
Zip34769-2142
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionST CLOUD BLVD LOTS LAKESHORE ADDN PB B PG 61 COM AT NW COR OF LOT 98, S 223.2 FT TO POB; S 69 DEG E 160.70 FT, S 53 FT, N 69
Legal Range30E
Legal Township26S
Legal Section01
Legal SubdivisionST CLOUD BLVD
Legal Tract650
Legal Block1
Legal Lot Number98
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group3
Census Block3009
Census Tract43400

Owner

Source: Osceola County records · APN 80826

Assessment roll updated July 1, 2025 · Last verified December 2025

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

Owner of RecordIndividual Name on File
Co-ownerVerified Secondary Owner
Mailing Address25 GEORGIA AVE, SAINT CLOUD, FL 34769-2142
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Oct 19, 2019Loan Modification, Mortgage · Conventional with PMI
MIDFIRST BK
Sep 26, 2019Deed of Trust, Mortgage · FHA Mortgage
HUD-HOUSING/URBAN DEV
Aug 01, 2017Warranty Deed, Transfer · FHA Mortgage
WATERSTONE MORTGAGE CORP

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleAug 01, 2017 · Amount on Record
Deed SaleAug 01, 2017 · Amount on Record
Prior SaleJul 13, 2010 · Amount on Record
Deed Document Number2017111029
Deed Book / Page5187 / 1818
Record UpdatedJun 08, 2026

October 2019: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionOSCEOLA FL
Property Address25 GEORGIA AVE, SAINT CLOUD, FL 34769-2142
Document Number0056131924
Instrument DateOct 19, 2019
Transaction TypeMortgage
Record UpdatedNov 08, 2019
Title CompanyFIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address25 GEORGIA AVE ST CLOUD FL 347692142, ST CLOUD, FL 34769-2142

Mortgage

Document Number0056131924
DateOct 29, 2019
Book Page005613/001924
Instrument139809
Lender
NameMIDFIRST BK
TypeBank
AddressOKLAHOMA CITY, OK 73118
Agreement
TypeConventional with PMI
AmountAmount Recorded
Term360 Months
DueOct 28, 2049
Interest
Rate TypeFixed Rate
Rate4.5%

September 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address25 GEORGIA AVE, SAINT CLOUD, FL 34769-2142
Document Number0056111676
Instrument DateSep 26, 2019
Transaction TypeMortgage
Record UpdatedNov 08, 2019
Title CompanyFIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address25 GEORGIA AVE ST CLOUD FL 347692142, ST CLOUD, FL 34769-2142

Mortgage

Document Number0056111676
DateOct 24, 2019
Book Page005611/001676
Instrument137897
Lender
NameHUD-HOUSING/URBAN DEV
Address451 7TH ST SW, WASHINGTON, DC 20410-0001
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueOct 23, 2049

August 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateAug 01, 2017
Property Address25 GEORGIA AVE, SAINT CLOUD, FL 34769-2142
Document Number0051871818
Book / Page5187 / 1818
Instrument DateJul 31, 2017
Instrument2017111029
Transaction TypeTransfer
Record UpdatedFeb 08, 2022
Title CompanyFIRST INTL TITLE INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,190.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address2643 E AURORA RD # RD3, 2643, TWINSBURG, OH 44087-2149

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address25 GEORGIA AVE, SAINT CLOUD, FL 34769-2142

Mortgage

Document Number0051871821
DateAug 01, 2017
Instrument5187/1821
Lender
NameWATERSTONE MORTGAGE CORP
TypeLending Institution
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueAug 01, 2047

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

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

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$2,349.00 (+6.77%) Homeowner's exemption$174,136 (+5.99%)$256,700 (+23.29%) Land $75,000 Building $181,700
2023$2,200.00 (+4.02%) Homeowner's exemption$164,300 (+3%)$208,200 (+19.72%) Land $65,000 Building $143,200
2022$2,115.00 Homeowner's exemption$159,515$173,900 Land $55,000 Building $118,900

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970434003, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone AE
Special Flood Hazard AreaYes
Flood HazardHigh
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation61.0 ft
Flood Insurance RequirementRequired (federally backed mortgages)
Flood Insurance CostPremium on Record
median of 98 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies110 units insured
12 under condo master policies
Nearby Flood Claims24 (1994–2022)
Claims Outside the SFHA3 of 24
Most Recent ClaimSep 2022, river or lake flooding, Hurricane Ian
Claims By Storm
  • Hurricane Ian, Sep 2022 · 4 claims
  • Hurricane Ian, Sep 2022 · 2 claims
  • Hurricane Frances, Sep 2004 · 3 claims

Wildfire

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

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 368 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
Lumen TechnologiesFiber8,000 / 8,000
SpectrumCable1,000 / 1,000

May also be available at this address: Verizon, AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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