Osceola County property record for 306 Missouri Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,695 sqft · built 1979 |
| Lot Size | 0.344 acres (14,984 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $400,000 (Aug 2026) |
| Tax Bill | $1,701 (2025) |
| Deeds & Mortgages | Aug 2026 Sale & Mortgage May 2017 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-26-30-0001-0401-0020 |
| Primary APN | 01-26-30-0001-0401-0020 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,695 sqft Living Area |
| Gross Area | 2,631 sqft |
| 1st Floor Area | 1,695 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 1983 |
| Architectural Style | Conventional |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 14,984 sqft (0.344 acres) |
| Lot Dimensions | 150 ft deep x 100 ft wide |
| Garage Type | Attached |
| Garage Area | 648 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | In-Ground Pool |
|---|---|
| Pool Area | 512 sqft |
| Porch | Finished Vinyl Porch |
| Porch Area | 288 sqft |
| Deck Area | 324 sqft |
| Shed | 1 Shed |
| Shed Area | 240 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 306 MISSOURI AVE |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-2242 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR1A |
| Legal Description | LAKE FRONT ADDN PB B PG 61 BLK 401 LOT 2 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD 2ND PLAT TOWN OF |
| Legal Tract | 1 |
| Legal Block | 401 |
| Legal Lot Number | 2 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2009 |
| Census Tract | 43400 |
Source: Osceola County records, as of September 9, 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 Record |
|---|---|
| Mailing Address | 1106 E MCCARTY ST, JEFFERSON CITY, MO 65101-4810 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 26, 2026 | Warranty Deed, Transfer · Conventional Mortgage MORTGAGE MORTGAGE |
| May 5, 2017 | Deed of Trust, Mortgage · Line of Credit CENTERSTATE BK/FL |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 26, 2026 · Amount on Record |
| Deed Sale | Aug 26, 2026 · Amount on Record |
| Prior Sale | Mar 18, 2013 · Amount on Record |
| Deed Document Number | 2026111080 |
| Deed Book / Page | 7025 / 828 |
| Prior Transfer Date | Apr 14, 2010 |
| Prior Transfer Doc | 0039760907 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Aug 26, 2026 |
| Property Address | 306 MISSOURI AVE, SAINT CLOUD, FL 34769-2242 |
| Document Number | 0000111080 |
| Book / Page | 7025 / 828 |
| Instrument Date | Aug 13, 2026 |
| Instrument | 2026111080 |
| Transaction Type | Transfer |
| Record Updated | Sep 9, 2026 |
| Title Company | TITLE OF AMERICA LLC, TITLETOWN OF AMERICA LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $282,800.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1106 E MCCARTY ST, JEFFERSON CITY, MO 65101-4810 |
| Document Number | 0000111081, |
|---|---|
| Date | Aug 26, 2026 |
| Book Page | 7025/830 |
| Instrument | 2026111081 |
| Name | MORTGAGE MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 306 MISSOURI AVE, SAINT CLOUD, FL 34769-2242 |
| Document Number | 0051551034 |
| Book / Page | 005155 / 001034 |
| Instrument Date | May 5, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jul 4, 2017 |
| Name | Verified Name |
|---|---|
| Address | 306 MISSOURI AVE ST CLOUD FL 347692242, ST CLOUD, FL 34769-2242 |
| Document Number | 0051551034 |
|---|---|
| Date | May 30, 2017 |
| Book Page | 005155/001034 |
| Instrument | 78368 |
| Name | CENTERSTATE BK/FL |
|---|---|
| Type | Bank |
| Address | KISSIMMEE, FL 34741 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | May 29, 2027 |
| Rate Type | Adjustable Rate |
|---|
Source: Osceola County assessment roll, as of November 26, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,701.00 (+3.91%) Homeowner's exemption | $137,942 (+5.99%) | $338,100 (+15.75%) Land $66,000 Building $272,100 |
| 2024 | $1,637.00 (+3.28%) | ||
| 2023 | $1,585.00 (+4.41%) Homeowner's exemption | $130,151 (+3%) | $292,100 (+17.4%) Land $60,500 Building $231,600 |
| 2022 | $1,518.00 Homeowner's exemption | $126,361 | $248,800 Land $55,000 Building $193,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 18 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 18 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 67% of the US · lower than 92% of Florida |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 306 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 |
| Verizon Fixed Wireless | 300 / 20 |
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