Osceola County property record for 309 Georgia Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,450 sqft · built 1973 |
| Lot Size | 0.215 acres (9,365 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $312,500 (Jun 2026) |
| Tax Bill | $488 (2025) |
| Deeds & Mortgages | Jun 2026 Sale & Mortgage Jun 2019 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-26-30-0001-0394-0090 |
| Primary APN | 01-26-30-0001-0394-0090 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 1,450 sqft Living Area |
| Gross Area | 1,602 sqft |
| 1st Floor Area | 1,450 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1973 |
|---|---|
| Effective Year Built | Effective 1973 |
| Architectural Style | Custom Design |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 9,365 sqft (0.215 acres) |
| Lot Dimensions | 150 ft deep x 62.5 ft wide |
| Porch | Finished/Open Porch |
|---|---|
| Porch Area | 512 sqft |
| Patio Area | 300 sqft |
| Shed | 1 Shed |
| Shed Area | 80 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 309 GEORGIA AVE |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-2654 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR2 |
| Legal Description | LAKEFRONT ADDN PB B PG 61 BLK 394 LOT 9 LESS S 12.5 FT & N 25 FT |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD 2ND PLAT TOWN OF |
| Legal Tract | 1 |
| Legal Block | 394 |
| Legal Lot Number | 9 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 3 |
| Census Block | 3021 |
| Census Tract | 43400 |
Source: Osceola County records, as of July 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 | 1000 VERMONT AVE, SAINT CLOUD, FL 34769-3627 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Couple |
| Date | Document |
|---|---|
| Jun 29, 2026 | Warranty Deed, Transfer · Conventional Mortgage CORNERSTONE MORTGAGE INC |
| Jun 25, 2019 | Quit Claim Deed, Transfer NOT AVAILABLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 29, 2026 · Amount on Record |
| Deed Sale | Jun 29, 2026 · Amount on Record |
| Deed Document Number | 202684576 |
| Deed Book / Page | 6995 / 204 |
| Prior Transfer Date | Jun 18, 2019 |
| Prior Transfer Doc | 0055470898 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jun 29, 2026 |
| Property Address | 309 GEORGIA AVE, SAINT CLOUD, FL 34769-2654 |
| Document Number | 0000084576 |
| Book / Page | 6995 / 204 |
| Instrument Date | Jun 22, 2026 |
| Instrument | 202684576 |
| Transaction Type | Transfer |
| Record Updated | Jul 9, 2026 |
| Title Company | LAND TITLE CORPORATION, LAND TITLE PROFESSIONALS |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $220,937.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1000 VERMONT AVE, SAINT CLOUD, FL 34769-3627 |
| Document Number | 0000084577, |
|---|---|
| Date | Jun 29, 2026 |
| Instrument | 202684577 |
| Name | CORNERSTONE MORTGAGE INC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.36% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jun 25, 2019 |
| Property Address | 309 GEORGIA AVE, SAINT CLOUD, FL 34769-2654 |
| Document Number | 0055470898 |
| Book / Page | 005547 / 000898 |
| Instrument Date | Jun 18, 2019 |
| Instrument | 82098 |
| Transaction Type | Transfer |
| Record Updated | Jul 15, 2019 |
| Title Company | NOT AVAILABLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.70 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 309 GEORGIA AVE ST CLOUD FL 347692654, ST CLOUD, FL 34769-2654 |
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 | $488.00 (-87.76%) Homeowner's exemption Widower's exemption | $73,917 (+5.99%) | $226,900 (+14.83%) Land $60,000 Building $166,900 |
| 2024 | $3,987.00 (+609.43%) | ||
| 2023 | $562.00 (+1.81%) Homeowner's exemption | $69,742 (+3%) | $197,600 (+14.55%) Land $55,000 Building $142,600 |
| 2022 | $552.00 Homeowner's exemption | $67,711 | $172,500 Land $50,000 Building $122,500 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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 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 |
|
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 98% of the US · lower than 97.6% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
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 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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