Osceola County property record for 328 Pennsylvania Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,460 sqft · built 1920 |
| Lot Size | 0.339 acres (14,810 sqft) |
| Owner | Individual Name on File |
| Last Sale | $97,500 (Feb 2020) |
| Tax Bill | $3,438 (2025) |
| Deeds & Mortgages | Feb 2020 Sale & Mortgage Feb 2020 Sale + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 80018 |
| Primary APN | 80018 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,460 sqft Heated Area |
| Gross Area | 1,610 sqft |
| 1st Floor Area | 844 sqft |
| Upper Floors Area | 352 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1920 |
|---|---|
| Exterior Material | Aluminum Siding |
| Foundation Type | Pier/Post & Beam |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 14,810 sqft (0.339 acres) |
| Lot Dimensions | 150 ft deep x 100 ft wide |
| Garage Type | Mixed |
| Garage Area | 368 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
|---|---|
| Porch Area | 414 sqft |
| Fence | Fence |
| Utility Building | 200 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 80018 |
|---|---|
| Street Address | 328 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 BLK 407 LOT 5 |
| 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 | 5 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 43500 |
328 Pennsylvania Ave is owned by an individual who bought it in February 2020.
Source: Osceola County records, as of December 11, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 401 FLORIDA AVE, SAINT CLOUD, FL 34769-2856 |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Feb 18, 2020 | Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Feb 18, 2020 | Warranty Deed, Transfer STEWART TITLE |
| Oct 3, 2019 | Deed of Trust, Mortgage · Line of Credit NAVY FCU |
| Jan 5, 2017 | Warranty Deed, Transfer · Conventional Mortgage BRENDA TERRELL |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 18, 2020 · Amount on File |
| Deed Sale | Feb 18, 2020 · Amount on File |
| Prior Sale | Feb 18, 2020 · Amount on File |
| Deed Document Number | 2020023930 |
| Deed Book / Page | 5676 / 139 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Feb 18, 2020 |
| Property Address | 328 PENNSYLVANIA AVE, SAINT CLOUD, FL 34769-2381 |
| Document Number | 0056760139 |
| Book / Page | 5676 / 139 |
| Map Reference | MB B PG 61 |
| Instrument Date | Feb 14, 2020 |
| Instrument | 2020023930 |
| Transaction Type | Transfer |
| Record Updated | Feb 8, 2022 |
| Title Company | STEWART TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Tax | $682.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 401 GROVELAND RD, 401, MOUNT DORA, FL 32757-5935 |
| Name | Verified Name |
|---|---|
| Address | 401 FLORIDA AVE, SAINT CLOUD, FL 34769-2856 |
| Document Number | 0056760141 |
|---|---|
| Date | Feb 18, 2020 |
| Book Page | 5676/141 |
| Instrument | 2020023932 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Feb 18, 2020 |
| Property Address | 328 PENNSYLVANIA AVE, SAINT CLOUD, FL 34769-2381 |
| Document Number | 0056760138 |
| Book / Page | 005676 / 000138 |
| Instrument Date | Feb 14, 2020 |
| Instrument | 23929 |
| Transaction Type | Transfer |
| Record Updated | Mar 23, 2020 |
| Title Company | STEWART TITLE |
| Amount | Amount on Record |
|---|---|
| Tax | $683.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 401 FLORIDA AVE ST CLOUD FL 347692856, ST CLOUD, FL 34769-2856 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 328 PENNSYLVANIA AVE, SAINT CLOUD, FL 34769-2381 |
| Document Number | 0056061747 |
| Instrument Date | Oct 3, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Nov 1, 2019 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 2725 VISTA ROBLE DR AUBURN CA 956037923, AUBURN, CA 95603-7923 |
| Document Number | 0056061747 |
|---|---|
| Date | Oct 16, 2019 |
| Book Page | 005606/001747 |
| Instrument | 133518 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 480 Months |
| Due | Oct 15, 2059 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jan 5, 2017 |
| Property Address | 328 PENNSYLVANIA AVE, SAINT CLOUD, FL 34769-2381 |
| Document Number | 0050802808 |
| Book / Page | 005080 / 002808 |
| Instrument Date | Jan 4, 2017 |
| Instrument | 2047 |
| Transaction Type | Transfer |
| Record Updated | Jan 19, 2017 |
| Title Company | STEWART TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $735.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 328 PENNSYLVANIA AVE ST CLOUD FL 347692381, ST CLOUD, FL 34769-2381 |
| Document Number | 50802809, |
|---|---|
| Date | Jan 5, 2017 |
| Book Page | 005080/002809 |
| Instrument | 2048 |
| Name | BRENDA TERRELL |
|---|---|
| Address | 611 PENNSYLVANIA AVE, ST CLOUD, FL 34769-2886 |
| Special Notes | Seller Financed |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate | 5% |
|---|
The 2025 property tax bill for 328 Pennsylvania Ave was $3,438.
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 | $3,438.00 | $196,000 Land $66,000 Building $130,000 | $196,000 Land $66,000 Building $130,000 |
| 2023 | $2,919.00 (+10.99%) | $172,600 (+13.4%) Land $60,500 Building $112,100 | $172,600 (+13.4%) Land $60,500 Building $112,100 |
| 2022 | $2,630.00 | $152,200 Land $55,000 Building $97,200 | $152,200 Land $55,000 Building $97,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 328 Pennsylvania Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1994.
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 File 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.
Wildfire risk around 328 Pennsylvania Ave is low, with a 0.03% annual chance of wildfire.
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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