331 Montana Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 331 Montana Ave, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,245 sqft · built 1977
Lot Size	0.215 acres (9,365 sqft)
Owner	Individual Name on File
Tax Bill	$603 (2025)
Flood Zone	Zone X (minimal risk)
APN	`01-26-30-0001-0392-0070`

Property Details

APN / Parcel Number

Primary APN	`01-26-30-0001-0392-0070`
Alternative APNs	`263001000103920070` `79841`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,245 sqft Living Area
Gross Area	1,440 sqft
1st Floor Area	1,047 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	L-Shape
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,365 sqft (0.215 acres)
Lot Dimensions	150 ft deep x 62.5 ft wide

Exterior Amenities

Porch	Florida Room
Porch Area	294 sqft
Shed	1 Shed
Shed Area	280 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	331 MONTANA AVE
City	SAINT CLOUD
State	FL
Zip	34769-2667
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR2
Legal Description	ST CLOUD PB B PG 61 BLK 392 S 62.5 FT OF N 75 FT LOT 7
Legal Range	30E
Legal Township	26S
Legal Section	01
Legal Subdivision	ST CLOUD 2ND PLAT TOWN OF
Legal Tract	1
Legal Block	392
Legal Lot Number	7
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3019
Census Tract	43400

Owner

Source: Osceola County records · APN 01-26-30-0001-0392-0070

Assessment roll updated November 26, 2025 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	331 MONTANA AVE, SAINT CLOUD, FL 34769-2667
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 05, 2014
Deed Sale	Jun 05, 2014
Prior Sale	Aug 12, 2008 · Amount on Record
Deed Document Number	201478855
Deed Book / Page	4618 / 1586
Prior Transfer Date	Aug 11, 2008
Prior Transfer Doc	0037241512
Record Updated	Sep 20, 2026

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Municipality	St. Cloud City
Unified School District	Osceola 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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$603.00 (+6.91%) Homeowner's exemption Senior Citizen's exemption Widower's exemption	$93,230 (+5.99%)	$208,600 (+12.88%) Land $55,000 Building $153,600
2024	$564.00 (-23.27%)
2023	$735.00 (-4.55%) Homeowner's exemption Widower's exemption	$87,965 (+3%)	$184,800 (+12.68%) Land $50,000 Building $134,800
2022	$770.00 Homeowner's exemption Widower's exemption	$85,403	$164,000 Land $45,000 Building $119,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), as of September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970434003, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 98 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	110 units insured incl. 12 condo units
Nearby Flood Claims	24 (1994–2022)
Claims Outside the SFHA	3 of 24
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Ian, Sep 2022 · 4 claims Hurricane Ian, Sep 2022 · 2 claims Hurricane Frances, Sep 2004 · 3 claims

Wildfire

Wildfire Risk	Low lower than 95% of the US · lower than 95% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Lumen Technologies Fiber	8,000 / 8,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

May also be available: AT&T, Verizon.

Based on FCC filings for 539 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System, water system FL3491373, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	ST. CLOUD, CITY OF (3 WPS) serves 82,752 people
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	2 ppb (2023) action level 15 ppb

Violations Reported to EPA

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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.