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317 Georgia Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 317 Georgia Ave, Saint Cloud, FL 34769 · Last verified December 2025

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 1,606 sqft · built 1973
Lot Size0.219 acres (9,583 sqft)
OwnerIndividual Name on File
Last Sale$245,000 (Aug 2019)
Tax Bill$3,303 (2025)
Deeds & MortgagesDec 2017 Mortgage
Apr 2021 Mortgage
+ 2 more
Flood ZoneZone X (minimal risk)
APN79859

Property Details

APN / Parcel Number

Primary APN79859
Alternative APN
  • 012630000103940080

Interior

Bedrooms4 Beds
Full Baths2 Baths
Building Area1,606 sqft Heated Area
Gross Area2,831 sqft Gross Area
1st Floor Area1,606 sqft 1st Floor
Stories1 Story
FlooringTile
Interior WallsWallboard/Drywall
FireplaceFireplace
Fireplaces1 Fireplace

Exterior

Year BuiltBuilt 1973
Effective Year BuiltEffective 1999
Exterior MaterialCombination
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area9,583 sqft (0.219 acres)
Lot Dimensions150 ft deep x 62.5 ft wide
Parking Spaces2 Parking Spaces
Garage TypeDetached - Unfinished
Garage Area576 sqft Garage

Exterior Amenities

Pool Area512 sqft Pool
FenceFence
Deck Area513 sqft Deck
PorchFinished/Screened Porch
Porch Area572 sqft Porch

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Account Number79859
Street Address317 GEORGIA AVE
CitySAINT CLOUD
StateFL
Zip34769-2654
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLAKEFRONT ADDN PB B PG 61-62 BLK 394 S 50 FT LOT 8 & N 12.5 FT LOT 7
Legal Range30E
Legal Township26S
Legal Section01
Legal SubdivisionST CLOUD 2ND AND 3RD STREETS
Legal Tract1
Legal Block394
Legal Lot Number7-8
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group3
Census Block3021
Census Tract43400

Owner

Source: Osceola County records · APN 79859

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-owner2 Verified Secondary Owners
Mailing Address317 GEORGIA AVE, SAINT CLOUD, FL 34769-2654
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Dec 01, 2017Deed of Trust, Mortgage · Conventional Mortgage
RP FUNDING INC
Apr 22, 2021Deed of Trust, Mortgage · FHA Mortgage
PENNYMAC LOAN SERVICES LLC
Aug 22, 2019Warranty Deed, Transfer · FHA Mortgage
EQUITY PRIME MORTGAGE LLC
Feb 20, 2019Deed of Trust, Mortgage · Line of Credit
INSIGHT CU

Assessor's Deed Record

Deed Names3 Verified Names on Deed
Last SaleAug 22, 2019 · Amount on Record
Deed SaleAug 22, 2019 · Amount on Record
Prior SaleJun 23, 2010 · Amount on Record
Deed Document Number2019108684
Deed Book / Page5577 / 1214
Record UpdatedJun 08, 2026

December 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address317 GEORGIA AVE, SAINT CLOUD, FL 34769-2654
Transaction TypeMortgage
Record UpdatedMay 02, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0052470644
DateDec 01, 2017
Book Page5247/0644
Instrument2017170969
Lender
NameRP FUNDING INC
TypeMortgage Company
AddressMAITLAND, FL 32751
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term240 Months
DueDec 01, 2037
Interest

April 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address317 GEORGIA AVE, SAINT CLOUD, FL 34769-2654
Transaction TypeMortgage
Record UpdatedMay 02, 2022
Title CompanySERVICELINK

Transferred To (Grantee/Buyer)

NameVerified Name
Address317 GEORGIA AVE, SAINT CLOUD, FL 34769-2654

Mortgage

Document Number0059411404
DateApr 22, 2021
Book Page5941/1404
Instrument2021061091
Lender
NamePENNYMAC LOAN SERVICES LLC
TypeMortgage Company
AddressMOORPARK, CA 93021
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term341 Months
DueSep 01, 2049

August 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateAug 22, 2019
Property Address317 GEORGIA AVE, SAINT CLOUD, FL 34769-2654
Document Number0055771214
Book / Page5577 / 1214
Map ReferenceMB B PG 61-64
Instrument DateAug 20, 2019
Instrument2019108684
Transaction TypeTransfer
Record UpdatedMay 02, 2022
Title CompanyLAND TITLE PROFESSIONALS LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,715.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address317 GEORGIA AVE, 317, SAINT CLOUD, FL 34769-2654

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address317 GEORGIA AVE, SAINT CLOUD, FL 34769-2654
InvestorPossibly a Property Investor

Mortgage

Document Number0055771216
DateAug 22, 2019
Instrument5577/1216
Lender
NameEQUITY PRIME MORTGAGE LLC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueSep 01, 2049

February 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address317 GEORGIA AVE, SAINT CLOUD, FL 34769-2654
Document Number0054882270
Instrument DateFeb 20, 2019
Transaction TypeMortgage
Record UpdatedMar 21, 2019

Transferred To (Grantee/Buyer)

NameVerified Name
Address317 GEORGIA AVE ST CLOUD FL 347692654, ST CLOUD, FL 34769-2654

Mortgage

Document Number0054882270
DateMar 08, 2019
Book Page005488/002270
Instrument30007
Lender
NameINSIGHT CU
AddressORLANDO, FL 32801
Agreement
TypeLine of Credit
AmountAmount Recorded
Term240 Months
DueMar 07, 2039
Interest
Rate TypeAdjustable Rate

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$3,303.00 (+6.38%) Homeowner's exemption$227,415 (+5.99%)$341,800 (+14.24%) Land $60,000 Building $281,800
2023$3,105.00 (+3.67%) Homeowner's exemption$214,569 (+3%)$299,200 (+17.15%) Land $55,000 Building $244,200
2022$2,995.00 Homeowner's exemption$208,320$255,400 Land $50,000 Building $205,400

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo

Wildfire

Wildfire RiskLow
above 2% of the US · above 2% of Florida
Wildfire LikelihoodAbout 1 in 5,556 per year
ExposureDirect
burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

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