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2840 Missouri Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 2840 Missouri Ave, Saint Cloud, FL 34769

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 1,750 sqft · built 1989
Lot Size0.332 acres (14,461 sqft)
OwnerIndividual Name on Record
Last Sale$90,000 (Oct 2009)
Tax Bill$856 (2025)
Deeds & MortgagesJan 2020 Mortgage
Flood ZoneZone X (minimal risk)
APN11-26-30-4950-0001-1220

Property Details

APN / Parcel Number

Primary APN11-26-30-4950-0001-1220
Alternative APNs
  • 263011495000011220
  • 84285

Interior

Bedrooms4 Beds
Full Baths3 Baths
Stories1 Story
Building Area1,750 sqft Living Area
Gross Area2,236 sqft
1st Floor Area1,750 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1989
Effective Year BuiltEffective 1989
Architectural StyleCustom Design
Exterior MaterialConcrete Block
Construction TypeMasonry / Concrete Block
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area14,461 sqft (0.332 acres)
Lot Dimensions192 ft deep x 0.8 ft wide

Exterior Amenities

PorchEnclosed/Finished Porch
Porch Area486 sqft
Shed1 Shed
Shed Area192 sqft

Utilities, Heating & Cooling

Cooling SystemWall Unit
Heating SystemHVAC

Location & Zoning

Street Address2840 MISSOURI AVE
CitySAINT CLOUD
StateFL
Zip34769-5026
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeAC
Legal DescriptionS L & I C PB B PG 2 BEG 177 FT N OF SE COR LOT 122 N 75 FT, W 192.5 FT, S 76 FT, E 192.5 FT TO POB
Legal Range30E
Legal Township26S
Legal Section11
Legal SubdivisionS L & I C
Legal Tract4950
Legal Block1220
Legal Lot Number122
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group2
Census Block2057
Census Tract43303

Owner

Source: Osceola County records, as of November 26, 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 Address2840 MISSOURI AVE, SAINT CLOUD, FL 34769-5026
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleOct 29, 2009 · Amount on Record
Deed SaleOct 29, 2009 · Amount on Record
Prior SaleOct 29, 2009
Deed Document Number2009173524
Deed Book / Page3907 / 2597
Prior Transfer DateAug 1, 2007
Prior Transfer Doc0035591289
Record UpdatedJun 8, 2026

January 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address2840 MISSOURI AVE, SAINT CLOUD, FL 34769-5026
Document Number0056631509
Instrument DateJan 17, 2020
Transaction TypeMortgage
Record UpdatedFeb 14, 2020
Title CompanyMORTGAGE TITLE SERVICES INC, MORTGAGEE TITLE SVCS INC

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address2840 MISSOURI AVE ST CLOUD FL 347695026, ST CLOUD, FL 34769-5026

Mortgage

Document Number0056631509
DateJan 24, 2020
Book Page005663/001509
Instrument12153
Lender
NameADDITION FIN'L CU
AddressLAKE MARY, FL 32746
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term240 Months
DueJan 23, 2040

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 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$856.00 (+4.52%) Homeowner's exemption$90,740 (+5.99%)$301,400 (+1.86%) Land $50,000 Building $251,400
2024$819.00 (+4.73%)
2023$782.00 (+5.96%) Homeowner's exemption$85,615 (+3%)$295,900 (+57.56%) Land $50,000 Building $245,900
2022$738.00 Homeowner's exemption$83,122$187,800 Land $45,000 Building $142,800

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

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
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 38 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies38 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 RiskModerate
above 40% of the US · lower than 87% of Florida
Wildfire Likelihood0.1% annual chance
ExposureNone
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 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 200 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
CenturyLink
Fiber		2,000 / 1,000
Spectrum
Cable · Fiber in parts of the area		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20

May also be available: AT&T, Xfinity.

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