Osceola County property record for 35 Montana Ave, Saint Cloud, FL 34769
| Property Type | Duplex |
|---|---|
| Details | 4 bd · 4 ba · 1,956 sqft · built 1985 |
| Lot Size | 0.258 acres (11,238 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $166,000 (Feb 2015) |
| Tax Bill | $5,619 (2025) |
| Flood Zone | Zone AE (high risk) |
| APN | 01-26-30-0001-0509-0040 |
| Primary APN | 01-26-30-0001-0509-0040 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Units | 2 Units |
| Stories | 1 Story |
| Building Area | 1,956 sqft Living Area |
| Gross Area | 2,574 sqft |
| 1st Floor Area | 1,956 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 11,238 sqft (0.258 acres) |
| Lot Dimensions | 100 ft deep x 75 ft wide |
| Porch | Florida Room |
| Porch Area | 538 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Central |
| Street Address | 35 MONTANA AVE |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-2165 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | SR2 |
| Legal Description | LAKE FRONT ADD PB B PG 63 BLK 509 N 75 FT OF S 87.5 FT OF LOT 4 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD 2ND PLAT TOWN OF |
| Legal Tract | 1 |
| Legal Block | 509 |
| Legal Lot Number | 4 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 3 |
| Census Block | 3004 |
| Census Tract | 43400 |
35 Montana Ave, a duplex, is owned by two individuals who bought it in February 2015.
Source: Osceola County records, as of April 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 6 APPLEWOOD CMN, EAST LYME, CT 06333-1444 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 12, 2015 · Amount on File |
| Deed Sale | Feb 12, 2015 · Amount on File |
| Prior Sale | Apr 15, 2011 · Amount on File |
| Deed Document Number | 201521495 |
| Deed Book / Page | 4735 / 498 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 35 Montana Ave was $5,619, up 6.3% 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 | $5,619.00 (+6.28%) | $362,600 (-0.68%) Land $70,000 Building $292,600 | $362,600 (-0.68%) Land $70,000 Building $292,600 |
| 2024 | $5,287.00 (+5.38%) | $365,100 (+1.33%) Land $70,000 Building $295,100 | $365,100 (+1.33%) Land $70,000 Building $295,100 |
| 2023 | $5,017.00 (+18.94%) | $360,300 (+36.17%) Land $60,000 Building $300,300 | $360,300 (+36.17%) Land $60,000 Building $300,300 |
| 2022 | $4,218.00 | $264,600 Land $52,000 Building $212,600 | $264,600 Land $52,000 Building $212,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 35 Montana Ave in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 61.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File 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 |
|
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 35 Montana 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 65% of the US · lower than 91% 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 368 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 |
May also be available: AT&T, Verizon.
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