Osceola County property record for 407 Montana Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,026 sqft · built 1978 |
| Lot Size | 0.219 acres (9,583 sqft) |
| Owner | Individual Name on File |
| Last Sale | $145,000 (Mar 2017) |
| Tax Bill | $1,602 (2025) |
| Deeds & Mortgages | May 2021 Mortgage Mar 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 79799 |
| Primary APN | 79799 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,026 sqft Heated Area |
| Gross Area | 1,323 sqft |
| 1st Floor Area | 1,026 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1988 |
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 9,583 sqft (0.219 acres) |
| Lot Dimensions | 150 ft deep x 62.5 ft wide |
| Garage Type | Carport |
| Carport | Carport |
| Patio Area | 128 sqft |
|---|---|
| Fence | Fence |
| Shed | 1 Shed |
| Shed Area | 96 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 79799 |
|---|---|
| Street Address | 407 MONTANA AVE |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-2669 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR2 |
| Legal Description | ST CLOUD PB B PG 61-62 BLK 389 N 25 FT LOT 9 & S 37.5 FT LOT 10 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD |
| Legal Tract | 1 |
| Legal Block | 389 |
| Legal Lot Number | 9-10 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 3 |
| Census Block | 3039 |
| Census Tract | 43400 |
Source: Osceola County records, as of December 11, 2025
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 407 MONTANA AVE, SAINT CLOUD, FL 34769-2669 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 10, 2021 | Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Mar 30, 2017 | Warranty Deed, Transfer · FHA Mortgage MLB RESID'L LNDG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 30, 2017 · Amount on File |
| Deed Sale | Mar 30, 2017 · Amount on File |
| Prior Sale | Nov 9, 2011 · Amount on File |
| Deed Document Number | 2017049042 |
| Deed Book / Page | 5124 / 2663 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 407 MONTANA AVE, SAINT CLOUD, FL 34769-2669 |
| Transaction Type | Mortgage |
| Record Updated | Aug 1, 2022 |
| Name | Verified Name |
|---|---|
| Address | 407 MONTANA AVE, SAINT CLOUD, FL 34769-2669 |
| Document Number | 0059541425 |
|---|---|
| Date | May 10, 2021 |
| Book Page | 5954/1425 |
| Instrument | 2021071438 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 311 Months |
| Due | Apr 1, 2047 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Mar 30, 2017 |
| Property Address | 407 MONTANA AVE, SAINT CLOUD, FL 34769-2669 |
| Document Number | 0051242663 |
| Book / Page | 005124 / 002663 |
| Instrument Date | Mar 29, 2017 |
| Instrument | 49042 |
| Transaction Type | Transfer |
| Record Updated | May 18, 2017 |
| Title Company | STEWART TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,015.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 407 MONTANA AVE ST CLOUD FL 347692669, ST CLOUD, FL 34769-2669 |
| Document Number | 51242664 |
|---|---|
| Date | Mar 30, 2017 |
| Book Page | 005124/002664 |
| Instrument | 49043 |
| Name | MLB RESID'L LNDG |
|---|---|
| Address | SPRINGFIELD, NJ 07081 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 29, 2047 |
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 | $1,602.00 (+7.52%) Homeowner's exemption | $132,399 (+5.99%) | $250,900 (+9.56%) Land $55,000 Building $195,900 |
| 2023 | $1,490.00 (+4.49%) Homeowner's exemption | $124,921 (+3%) | $229,000 (+10.36%) Land $50,000 Building $179,000 |
| 2022 | $1,426.00 Homeowner's exemption | $121,283 | $207,500 Land $45,000 Building $162,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| 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 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 539 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CenturyLink Fiber | 8,000 / 8,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
May also be available: AT&T, Verizon.
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