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404 Georgia Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 404 Georgia Ave, Saint Cloud, FL 34769 · Last verified December 2025

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,122 sqft · built 1973
Lot Size0.219 acres (9,583 sqft)
Owner2 Individual Names on File
Last Sale$344,000 (Sep 2023)
Tax Bill$4,333 (2025)
Deeds & MortgagesOct 2023 Mortgage
Feb 2026 Mortgage
Flood ZoneZone X (minimal risk)
APN79770

Property Details

APN / Parcel Number

Primary APN79770
Alternative APN
  • 012630000103880015

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,122 sqft Heated Area
Gross Area1,674 sqft
1st Floor Area1,122 sqft
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1973
Exterior MaterialConcrete Block
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area9,583 sqft (0.219 acres)
Lot Dimensions150 ft deep x 62.5 ft wide
Garage TypeFinished
Garage Area342 sqft
Parking Spaces1 Parking Space
PorchOpen Porch
Porch Area210 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Account Number79770
Street Address404 GEORGIA AVE
CitySAINT CLOUD
StateFL
Zip34769-2657
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionTOWN OF ST CLOUD PB B PG 61-64 BLK 388 S 37.5 FT LOT 1 & N 25 FT LOT 2 LAKEFRONT ADDITION
Legal Range30E
Legal Township26S
Legal Section01
Legal SubdivisionST CLOUD
Legal Tract1
Legal Block388
Legal Lot Number1-2
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group3
Census Block3038
Census Tract43400

Owner

Source: Osceola County records · APN 79770

Assessment roll updated July 1, 2025 · Last verified December 2025

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

Owner of Record2 Individual Names on File
Co-ownerVerified Secondary Owner
Mailing Address404 GEORGIA AVE, SAINT CLOUD, FL 34769-2657
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Oct 10, 2023Deed of Trust, Mortgage · FHA Mortgage
ROYAL PACIFIC FUNDING CORP
Feb 13, 2026Deed of Trust, Mortgage · FHA Mortgage
UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleSep 29, 2023 · Amount on Record
Deed SaleSep 29, 2023 · Amount on Record
Deed Document Number0064872103
Record UpdatedJun 08, 2026

October 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address404 GEORGIA AVE, SAINT CLOUD, FL 34769-2657
Transaction TypeMortgage
Record UpdatedApr 22, 2026

Transferred To (Grantee/Buyer)

NameVerified Name
Address13704 LAGOON ISLE WAY 108, 108, ORLANDO, FL 32824-5119

Mortgage

Document Number0064872105
DateOct 10, 2023
Book Page6487/2105
Instrument2023133608
Lender
NameROYAL PACIFIC FUNDING CORP
TypeLending Institution
AddressNEWPORT BEACH, CA 92660
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueNov 01, 2053

February 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address404 GEORGIA AVE, SAINT CLOUD, FL 34769-2657
Transaction TypeMortgage
Record UpdatedApr 22, 2026

Transferred To (Grantee/Buyer)

NameVerified Name
Address404 GEORGIA AVE, SAINT CLOUD, FL 34769-2657

Mortgage

Document Number0069222405
DateFeb 13, 2026
Book Page6922/2405
Instrument2026020639
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
AddressPONTIAC, MI 48341
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueMar 01, 2056

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

YearTax BillAssessed ValueAssessed Market Value
2025$4,333.00 (+25.45%) Homeowner's exemption$285,000 (+48.75%) Land $55,000 Building $230,000$285,000 (+48.75%) Land $55,000 Building $230,000
2023$3,454.00 (+927.98%)$191,600 (+188.77%) Land $50,000 Building $141,600$191,600 (+12.71%) Land $50,000 Building $141,600
2022$336.00 Homeowner's exemption Senior Citizen's exemption$66,351$170,000 Land $45,000 Building $125,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970434003, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 98 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies110 units insured
12 under condo master policies
Nearby Flood Claims24 (1994–2022)
Claims Outside the SFHA3 of 24
Most Recent ClaimSep 2022, river or lake flooding, Hurricane Ian
Claims By Storm
  • Hurricane Ian, Sep 2022 · 4 claims
  • Hurricane Ian, Sep 2022 · 2 claims
  • Hurricane Frances, Sep 2004 · 3 claims

Wildfire

Wildfire RiskLow
above 2% of the US · above 2% of Florida
Wildfire LikelihoodAbout 1 in 5,556 per year
ExposureDirect
burnable vegetation at the parcel

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, availability as of December 31, 2025 · Published October 2026 · based on 368 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
Lumen TechnologiesFiber8,000 / 8,000
SpectrumCable1,000 / 1,000

May also be available at this address: Verizon, AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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