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409 Pennsylvania Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 409 Pennsylvania Ave, Saint Cloud, FL 34769

Property Summary

Property TypeSingle Family Home
Details2 bd · 1 ba · 1,280 sqft · built 1954
Lot Size0.172 acres (7,492 sqft)
OwnerIndividual Name on Record
Last Sale$285,000 (Sep 2026)
Tax Bill$1,849 (2025)
Deeds & MortgagesSep 2026 Sale
Sep 2022 Sale & Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN01-26-30-0001-0373-0095

Property Details

APN / Parcel Number

Primary APN01-26-30-0001-0373-0095
Alternative APNs
  • 263001000103730095
  • 79579

Interior

Bedrooms2 Beds
Full Baths1 Bath
Stories1 Story
Building Area1,280 sqft Living Area
Gross Area1,300 sqft
1st Floor Area950 sqft
FlooringTile
Interior WallsPlaster
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1954
Effective Year BuiltEffective 1990
Architectural StyleCustom Design
Exterior MaterialConcrete Block/Stucco
Construction TypeMasonry / Concrete Block
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area7,492 sqft (0.172 acres)
Lot Dimensions150 ft deep x 50 ft wide
PorchSlab
Porch Area350 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address409 PENNSYLVANIA AVE
CitySAINT CLOUD
StateFL
Zip34769-2882
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeSR1A
Legal DescriptionLAKE FRONT ADDN PB B PG 61/62 BLK 373 N 50 FT OF LOT 9 2/26/30
Legal Range30E
Legal Township26S
Legal Section01
Legal SubdivisionST CLOUD 2ND PLAT TOWN OF
Legal Tract1
Legal Block373
Legal Lot Number9
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1018
Census Tract43500

Owner

Source: Osceola County records, as of October 14, 2026

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

Owner of RecordIndividual Name on Record
Mailing Address409 PENNSYLVANIA AVE, SAINT CLOUD, FL 34769-2882
OccupancyOwner Occupied
Owner TypeIndividual
VestingMarried Man, Separate Property

Deeds, Mortgages & Sale History

DateDocument
Sep 16, 2026Warranty Deed, Transfer
K K TITLE AND ESCROW, HEADLINE TITLE & ESCROW SERVIC
Sep 20, 2022Warranty Deed, Transfer · Conventional Mortgage
ROCKET MORTGAGE LLC
Apr 29, 2022Warranty Deed, Transfer
SUNBELT TITLE (AGENCY), SUNBELT TITLE AGENCY

Assessor's Deed Record

Deed NamesName on Deed
Last SaleSep 16, 2026 · Amount on Record
Deed SaleSep 16, 2026 · Amount on Record
Prior SaleSep 20, 2022 · Amount on Record
Deed Document Number2026120519
Deed Book / Page7035 / 2341
Record UpdatedOct 29, 2026

September 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateSep 16, 2026
Property Address409 PENNSYLVANIA AVE, SAINT CLOUD, FL 34769-2882
Document Number0000120519
Book / Page7035 / 2341
Instrument DateSep 15, 2026
Instrument2026120519
Transaction TypeTransfer
Record UpdatedSep 29, 2026
Title CompanyK K TITLE AND ESCROW, HEADLINE TITLE & ESCROW SERVIC

Transaction

AmountAmount Recorded
Tax$201,495.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address409 PENNSYLVANIA AVE, SAINT CLOUD, FL 34769-2882

September 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateSep 20, 2022
Property Address409 PENNSYLVANIA AVE, SAINT CLOUD, FL 34769-2882
Document Number0062882605
Book / Page6288 / 2605
Map ReferenceMB B PG 61
Instrument DateSep 15, 2022
Instrument2022142462
Transaction TypeTransfer
Record UpdatedSep 30, 2022
Title CompanyCORE TITLE SERVICES LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,995.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1431 SIMPSON RD # 229, 1431, KISSIMMEE, FL 34744-4604

Transferred To (Grantee/Buyer)

NameVerified Name
Address409 PENNSYLVANIA AVE, SAINT CLOUD, FL 34769-2882

Mortgage

Document Number0062882607
DateSep 20, 2022
Instrument6288/2607
Lender
NameROCKET MORTGAGE LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueOct 1, 2052

April 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateApr 29, 2022
Property Address409 PENNSYLVANIA AVE, SAINT CLOUD, FL 34769-2882
Document Number0062040740
Book / Page6204 / 740
Map ReferenceMB B PG 61
Instrument DateApr 27, 2022
Instrument2022068060
Transaction TypeTransfer
Record UpdatedAug 1, 2022
Title CompanySUNBELT TITLE (AGENCY), SUNBELT TITLE AGENCY

Transaction

AmountAmount Recorded
Tax$1,176.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
AddressPO BOX 2358, WINTER PARK, FL 32790-2358

Transferred To (Grantee/Buyer)

NameVerified Name
Address1431 SIMPSON RD # 229, 229, KISSIMMEE, FL 34744-4604

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$1,849.00 (-21.98%)$146,200 (+11.26%) Land $46,800 Building $99,400$146,200 (+11.26%) Land $46,800 Building $99,400
2023$2,370.00 (+33.6%)$131,400 (+25.26%) Land $42,500 Building $88,900$131,400 (+25.26%) Land $42,500 Building $88,900
2022$1,774.00$104,900 Land $35,100 Building $69,800$104,900 Land $35,100 Building $69,800

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

Flood

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 17 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies17 in force
Nearby Flood Claims1 (1994)
Claims Outside the SFHA1 of 1
Most Recent ClaimNov 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood0.03% annual chance
ExposureNone
beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemST. CLOUD, CITY OF (3 WPS)
serves 82,752 people · EPA ID FL3491373
Water SourceGroundwater
Last State InspectionJul 2025
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 330 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
CenturyLink
Fiber		8,000 / 8,000
Spectrum
Cable		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20

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