Osceola County property record for 320 Pennsylvania Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,143 sqft · built 1967 |
| Lot Size | 0.172 acres (7,492 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $160,000 (Apr 2017) |
| Tax Bill | $1,887 (2025) |
| Deeds & Mortgages | Feb 2021 Mortgage Apr 2017 Sale & Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | 01-26-30-0001-0407-0045 |
| Primary APN | 01-26-30-0001-0407-0045 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,143 sqft Living Area |
| Gross Area | 1,431 sqft |
| 1st Floor Area | 999 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Year Built | Built 1967 |
|---|---|
| Effective Year Built | Effective 1997 |
| Architectural Style | Conventional |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Built-Up Asphalt |
| Lot Area | 7,492 sqft (0.172 acres) |
| Lot Dimensions | 150 ft deep x 0.5 ft wide |
| Porch | Florida Room |
|---|---|
| Porch Area | 432 sqft |
| Shed | 1 Shed |
| Shed Area | 96 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 320 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 ADD PB B PG 61-62 BLK 407 S 50 FT LOT 4 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD 2ND PLAT TOWN OF |
| Legal Tract | 1 |
| Legal Block | 407 |
| Legal Lot Number | 4 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 43500 |
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 Record | Individual Name on Record |
|---|---|
| Mailing Address | PO BOX 450391, KISSIMMEE, FL 34745-0391 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 19, 2021 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Apr 18, 2017 | Warranty Deed, Transfer · FHA Mortgage MORTGAGE FIN |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 18, 2017 · Amount on Record |
| Deed Sale | Apr 18, 2017 · Amount on Record |
| Prior Sale | May 9, 2016 · Amount on Record |
| Deed Document Number | 201757663 |
| Deed Book / Page | 5134 / 229 |
| Prior Transfer Date | Jun 25, 2013 |
| Prior Transfer Doc | 0044612586 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 320 PENNSYLVANIA AVE, SAINT CLOUD, FL 34769-2381 |
| Transaction Type | Mortgage |
| Record Updated | Mar 26, 2021 |
| Title Company | INSPIRE CLOSING SERVICES LLC |
| Name | Verified Name |
|---|---|
| Address | PO BOX 450391, KISSIMMEE, FL 34745-0391 |
| Document Number | 0058950001 |
|---|---|
| Date | Feb 19, 2021 |
| Book Page | 5895/1 |
| Instrument | 2021024582 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 316 Months |
| Due | Jun 1, 2047 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Apr 18, 2017 |
| Property Address | 320 PENNSYLVANIA AVE, SAINT CLOUD, FL 34769-2381 |
| Document Number | 0051340229 |
| Book / Page | 005134 / 000229 |
| Instrument Date | Apr 17, 2017 |
| Instrument | 57663 |
| Transaction Type | Transfer |
| Record Updated | May 25, 2017 |
| Title Company | STEWART TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,120.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 320 PENNSYLVANIA AVE ST CLOUD FL 347692381, ST CLOUD, FL 34769-2381 |
| Document Number | 51340230 |
|---|---|
| Date | Apr 18, 2017 |
| Book Page | 005134/000230 |
| Instrument | 57664 |
| Name | MORTGAGE FIN |
|---|---|
| Type | Mortgage Company |
| Address | TAVARES, FL 32778 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 17, 2047 |
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 | $1,887.00 (+3.97%) Homeowner's exemption Widower's exemption | $153,318 (+5.99%) | $291,600 (+11.94%) Land $54,000 Building $237,600 |
| 2024 | $1,815.00 (+3.36%) | ||
| 2023 | $1,756.00 (-0.34%) Homeowner's exemption Widower's exemption | $144,659 (+3%) | $260,500 (+12.62%) Land $49,500 Building $211,000 |
| 2022 | $1,762.00 Homeowner's exemption Widower's exemption | $140,446 | $231,300 Land $45,000 Building $186,300 |
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 |
| 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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