Osceola County property record for 329 Pennsylvania Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,744 sqft · built 1946 |
| Lot Size | 0.344 acres (14,984 sqft) |
| Owner | Individual Name on File |
| Last Sale | $58,991 (Mar 2022) |
| Tax Bill | $1,517 (2025) |
| Deeds & Mortgages | Nov 2025 Transfer Mar 2022 Sale & Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | 01-26-30-0001-0408-0070 |
| Primary APN | 01-26-30-0001-0408-0070 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 1,744 sqft Living Area |
| Gross Area | 2,596 sqft |
| 1st Floor Area | 1,744 sqft |
| Flooring | Tile |
| Interior Walls | Plaster |
| Year Built | Built 1946 |
|---|---|
| Effective Year Built | Effective 1970 |
| Architectural Style | Conventional |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 14,984 sqft (0.344 acres) |
| Lot Dimensions | 150 ft deep x 100 ft wide |
| Garage Type | Attached |
| Garage Area | 288 sqft |
| Parking Spaces | 1 Parking Space |
| Pool Type | In-Ground Pool |
|---|---|
| Pool Area | 245 sqft |
| Porch | Florida Room |
| Porch Area | 293 sqft |
| Patio Area | 312 sqft |
| Shed | 1 Shed |
| Shed Area | 80 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | Central |
| Street Address | 329 PENNSYLVANIA AVE |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-2380 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR1A |
| Legal Description | LAKE FRONT ADDN BLK 408 LOT 7 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD 2ND PLAT TOWN OF |
| Legal Tract | 1 |
| Legal Block | 408 |
| Legal Lot Number | 7 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 43500 |
329 Pennsylvania Ave is owned and occupied by an individual who acquired it in November 2025.
Source: Osceola County records, as of November 26, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 329 PENNSYLVANIA AVE, SAINT CLOUD, FL 34769-2380 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single Woman |
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 |
|---|---|
| Nov 10, 2025 | Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY |
| Mar 22, 2022 | Warranty Deed, Transfer · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 22, 2022 · Amount on File |
| Deed Sale | Mar 22, 2022 · Amount on File |
| Prior Sale | Mar 24, 2005 · Amount on File |
| Deed Document Number | 202245569 |
| Deed Book / Page | 6177 / 659 |
| Last Transfer Date | Nov 10, 2025 |
| Transfer Doc | 0068781609 |
| Record Updated | Jun 8, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Nov 10, 2025 |
| Property Address | 329 PENNSYLVANIA AVE, SAINT CLOUD, FL 34769-2380 |
| Document Number | 0068781609 |
| Book / Page | 6878 / 1609 |
| Map Reference | MB B PG 61 |
| Instrument Date | Nov 10, 2025 |
| Instrument | 2025139132 |
| Transaction Type | Transfer |
| Record Updated | Nov 28, 2025 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 329 PENNSYLVANIA AVE, SAINT CLOUD, FL 34769-2380 |
| Name | Verified Name |
|---|---|
| Address | 329 PENNSYLVANIA AVE, SAINT CLOUD, FL 34769-2380 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Mar 22, 2022 |
| Property Address | 329 PENNSYLVANIA AVE, SAINT CLOUD, FL 34769-2380 |
| Document Number | 0061770659 |
| Book / Page | 6177 / 659 |
| Map Reference | MB B PG 61-64 |
| Instrument Date | Mar 15, 2022 |
| Instrument | 2022045569 |
| Transaction Type | Transfer |
| Record Updated | Jan 11, 2023 |
| Title Company | STEWART TITLE COMPANY-F, STEWART TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Tax | $413.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 621 BLAKE MOORE DR, LA VERGNE, TN 37086-3904 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 329 PENNSYLVANIA AVE, SAINT CLOUD, FL 34769-2380 |
| Document Number | 0006177660 |
|---|---|
| Date | Mar 22, 2022 |
| Instrument | 6177/660 |
| Name | ATLANTIC BAY MORTGAGE GROUP LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2052 |
The 2025 property tax bill for 329 Pennsylvania Ave was $1,517, up 6.1% from the year before.
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 | $1,517.00 (+6.08%) | $158,268 | $292,600 Land $66,000 Building $226,600 |
| 2024 | $1,430.00 (+146.55%) | ||
| 2023 | $580.00 (+1.93%) Homeowner's exemption | $72,874 (+3%) | $185,500 (+14.29%) Land $60,500 Building $125,000 |
| 2022 | $569.00 Homeowner's exemption | $70,752 | $162,300 Land $55,000 Building $107,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 329 Pennsylvania Ave in Zone X, an area of moderate 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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| 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 329 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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