Osceola County property record for 314 Pennsylvania Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,124 sqft · built 1966 |
| Lot Size | 0.289 acres (12,632 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $240,000 (Jun 2021) |
| Tax Bill | $1,699 (2025) |
| Deeds & Mortgages | Jun 2021 Sale & Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | 80014 |
| Primary APN | 80014 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,124 sqft Heated Area |
| Gross Area | 1,815 sqft |
| 1st Floor Area | 1,124 sqft |
| Flooring | Tile |
| Interior Walls | Plaster |
| Year Built | Built 1966 |
|---|---|
| Effective Year Built | Effective 1985 |
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 12,632 sqft (0.289 acres) |
| Lot Dimensions | 150 ft deep x 84 ft wide |
| Garage Type | Finished |
| Garage Area | 264 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Porch |
|---|---|
| Porch Area | 295 sqft |
| Patio Area | 210 sqft |
| Fence | Fence |
| Shed | 1 Shed |
| Shed Area | 100 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 80014 |
|---|---|
| Street Address | 314 PENNSYLVANIA AVE |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-2381 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR1A |
| Legal Description | LAKE FRONT ADDN PB B PG 61-B & 62 BLK 407 S 34 FT LOT 2 & N 50 FT LOT 3 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD 2ND AND 3RD STREETS |
| Legal Tract | 1 |
| Legal Block | 407 |
| Legal Lot Number | 2-3 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 43500 |
Source: Osceola County records, as of December 11, 2025
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 314 PENNSYLVANIA AVE, SAINT CLOUD, FL 34769-2381 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 29, 2021 · Amount on Record |
| Deed Sale | Jun 29, 2021 · Amount on Record |
| Prior Sale | Mar 3, 1999 · Amount on Record |
| Deed Document Number | 2021101277 |
| Deed Book / Page | 5991 / 1659 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jun 29, 2021 |
| Property Address | 314 PENNSYLVANIA AVE, SAINT CLOUD, FL 34769-2381 |
| Document Number | 0059911659 |
| Book / Page | 5991 / 1659 |
| Map Reference | MB B PG 61 |
| Instrument Date | Jun 28, 2021 |
| Instrument | 2021101277 |
| Transaction Type | Transfer |
| Record Updated | Jul 19, 2021 |
| Title Company | LAND TITLE CORPORATION, LAND TITLE PROFESSIONALS LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,680.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 314 PENNSYLVANIA AVE, 314, SAINT CLOUD, FL 34769-2381 |
| Name | Verified Name |
|---|---|
| Address | 314 PENNSYLVANIA AVE, SAINT CLOUD, FL 34769-2381 |
| Document Number | 59911661 |
|---|---|
| Date | Jun 29, 2021 |
| Instrument | 5991/1661 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2051 |
Source: Osceola County assessment roll, as of July 1, 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 | $1,699.00 (+7.33%) Homeowner's exemption | $137,827 (+5.99%) | $263,400 (+13.98%) Land $60,000 Building $203,400 |
| 2023 | $1,583.00 (+4.42%) Homeowner's exemption | $130,042 (+3%) | $231,100 (+17.79%) Land $55,000 Building $176,100 |
| 2022 | $1,516.00 Homeowner's exemption | $126,255 | $196,200 Land $50,000 Building $146,200 |
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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 17 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 17 in force |
| Nearby Flood Claims | 1 (1994) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Nov 1994 · rainfall accumulation |
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 80% of the US · lower than 93% 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 330 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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