Osceola County property record for 413 Montana Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,248 sqft · built 1977 |
| Lot Size | 0.215 acres (9,365 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $12,000 (Apr 2018) |
| Tax Bill | $3,678 (2025) |
| Deeds & Mortgages | Apr 2018 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-26-30-0001-0389-0090 |
| Primary APN | 01-26-30-0001-0389-0090 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 1,248 sqft Living Area |
| Gross Area | 1,468 sqft |
| 1st Floor Area | 1,008 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1977 |
| Architectural Style | Custom Design |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 9,365 sqft (0.215 acres) |
| Lot Dimensions | 150 ft deep x 62.5 ft wide |
| Porch | Florida Room |
|---|---|
| Porch Area | 607 sqft |
| Shed | 1 Shed |
| Shed Area | 192 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 413 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 62.5 FT OF S 75 FT OF LOT 9 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD 2ND PLAT TOWN OF |
| Legal Tract | 1 |
| Legal Block | 389 |
| Legal Lot Number | 9 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 3 |
| Census Block | 3039 |
| Census Tract | 43400 |
413 Montana Ave is owned and occupied by an individual who acquired it in March 2024.
Source: Osceola County records, as of November 26, 2025
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 413 MONTANA AVE, SAINT CLOUD, FL 34769-2669 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single Woman |
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 | Name on Deed |
|---|---|
| Last Sale | Apr 12, 2018 · Amount on Record |
| Deed Sale | Apr 12, 2018 · Amount on Record |
| Deed Document Number | 201858077 |
| Deed Book / Page | 5316 / 596 |
| Last Transfer Date | Mar 19, 2024 |
| Transfer Doc | 0065690148 |
| Record Updated | Jun 8, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Apr 12, 2018 |
| Property Address | 413 MONTANA AVE, SAINT CLOUD, FL 34769-2669 |
| Document Number | 0053160596 |
| Book / Page | 005316 / 000596 |
| Instrument Date | Apr 12, 2018 |
| Instrument | 58077 |
| Transaction Type | Transfer |
| Record Updated | May 24, 2018 |
| Amount | Amount on Record |
|---|---|
| Tax | $84.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 413 MONTANA AVE ST CLOUD FL 347692669, ST CLOUD, FL 34769-2669 |
The 2025 property tax bill for 413 Montana Ave was $3,678, up 569.9% 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 | $3,678.00 (+569.95%) | $205,300 Land $55,000 Building $150,300 | $205,300 Land $55,000 Building $150,300 |
| 2024 | $549.00 (+0.73%) | ||
| 2023 | $545.00 (+2.06%) Homeowner's exemption | $66,504 (+3%) | $181,700 (+12.79%) Land $50,000 Building $131,700 |
| 2022 | $534.00 Homeowner's exemption | $64,567 | $161,100 Land $45,000 Building $116,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 413 Montana Ave in Zone X, an area of minimal flood risk, though there have been 24 flood claims nearby since 1994.
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 |
|
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 413 Montana Ave is low, with a 0.02% annual chance of 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.
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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