412 Montana Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 412 Montana Ave, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,026 sqft · built 1978
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on Record
Last Sale	$170,000 (Feb 2017)
Tax Bill	$2,207 (2025)
Deeds & Mortgages	Sep 2022 Mortgage Nov 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`79803`

Property Details

APN / Parcel Number

Primary APN	`79803`
Alternative APN	`012630000103900020`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,026 sqft Heated Area
Gross Area	1,323 sqft
1st Floor Area	1,026 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1998
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,712 sqft (0.2 acres)
Lot Dimensions	138 ft deep x 62.5 ft wide
Garage Type	Finished
Garage Area	209 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Porch
Porch Area	209 sqft
Fence	Fence
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	79803
Street Address	412 MONTANA AVE
City	SAINT CLOUD
State	FL
Zip	34769-2670
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR2
Legal Description	LAKE FRONT ADDN PB B PG 34 BLK 390 E 138.4 FT OF N 62.5 FT OF S 75 FT LOT 2 3/26/30
Legal Range	30E
Legal Township	26S
Legal Section	01
Legal Subdivision	ST CLOUD
Legal Tract	1
Legal Block	390
Legal Lot Number	2-3
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3006
Census Tract	43400

Owner

Source: Osceola County records, as of December 11, 2025

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

Owner of Record	Individual Name on Record
Mailing Address	412 MONTANA AVE, SAINT CLOUD, FL 34769-2670
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 1, 2022	Deed of Trust, Mortgage · FHA Mortgage LOANCARE LLC
Nov 19, 2021	Deed of Trust, Mortgage · FHA Mortgage CORELOGIC SOLEX
Feb 9, 2017	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage UNIVERSAL MORTGAGE & FINANCE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 9, 2017 · Amount on Record
Deed Sale	Feb 9, 2017 · Amount on Record
Prior Sale	Aug 10, 2016 · Amount on Record
Deed Document Number	2017023344
Deed Book / Page	5100 / 2489
Record Updated	Jun 8, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	412 MONTANA AVE, SAINT CLOUD, FL 34769-2670
Transaction Type	Mortgage
Record Updated	Sep 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	412 MONTANA AVE, SAINT CLOUD, FL 34769-2670

Mortgage

Document Number	0062792316
Date	Sep 1, 2022
Book Page	6279/2316
Instrument	2022134380

Lender

Name	LOANCARE LLC
Type	Non-Lending Institution
Address	VIRGINIA BEACH, VA 23452

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	294 Months
Due	Mar 1, 2047

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	412 MONTANA AVE, SAINT CLOUD, FL 34769-2670
Transaction Type	Mortgage
Record Updated	Dec 8, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	412 MONTANA AVE, SAINT CLOUD, FL 34769-2670

Mortgage

Document Number	0060910296
Date	Nov 19, 2021
Book Page	6091/296
Instrument	2021180437

Lender

Name	CORELOGIC SOLEX
Type	Non-Lending Institution
Address	FORT LAUDERDALE, FL 33323

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	304 Months
Due	Mar 1, 2047

February 2017: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 9, 2017
Property Address	412 MONTANA AVE, SAINT CLOUD, FL 34769-2670
Document Number	0051002489
Book / Page	5100 / 2489
Map Reference	MB B PG61-64
Instrument Date	Feb 8, 2017
Instrument	2017023344
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 8, 2022
Title Company	STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,190.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 700355, SAINT CLOUD, FL 34770-0355

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	412 MONTANA AVE, SAINT CLOUD, FL 34769-2670

Mortgage

Document Number	0051002490
Date	Feb 9, 2017
Instrument	5100/2490

Lender

Name	UNIVERSAL MORTGAGE & FINANCE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2047

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 2025

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,207.00 (+6.88%) Homeowner's exemption	$166,206 (+5.99%)	$274,300 (+9.72%) Land $55,000 Building $219,300
2023	$2,065.00 (+4.08%) Homeowner's exemption	$156,818 (+3%)	$250,000 (+10.23%) Land $50,000 Building $200,000
2022	$1,984.00 Homeowner's exemption	$152,251	$226,800 Land $45,000 Building $181,800

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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 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

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 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.

Drinking Water

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

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, 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 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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