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422 Missouri Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 422 Missouri Ave, Saint Cloud, FL 34769

Property Summary

Property TypeSingle Family Home
Details2 bd · 2 ba · 1,272 sqft · built 1987
Lot Size0.26 acres (11,326 sqft)
OwnerIndividual Name on Record
Tax Bill$7,864 (2025)
Deeds & MortgagesJan 2022 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN79677

Property Details

APN / Parcel Number

Primary APN79677
Alternative APN
  • 012630000103800030

Interior

Bedrooms2 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,272 sqft Heated Area
Gross Area2,384 sqft
1st Floor Area1,272 sqft
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1987
Exterior MaterialConcrete Block
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area11,326 sqft (0.26 acres)
Lot Dimensions150 ft deep x 75 ft wide
Garage TypeFinished
Garage Area576 sqft
Parking Spaces4 Parking Spaces
PorchFinished/Screened Porch
Porch Area200 sqft
FenceFence

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHVAC

Location & Zoning

Account Number79677
Street Address422 MISSOURI AVE
CitySAINT CLOUD
StateFL
Zip34769-2749
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeSR1A
Legal DescriptionLAKE FRONT ADDN PB B PG 61-62 BLK 380 N 75 FT LOT 3 2/26/30
Legal Range30E
Legal Township26S
Legal Section01
Legal SubdivisionST CLOUD
Legal Tract1
Legal Block380
Legal Lot Number2-3
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group2
Census Block2014
Census Tract43400

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 RecordIndividual Name on Record
Mailing Address422 MISSOURI AVE, SAINT CLOUD, FL 34769-2749
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleMar 10, 2022
Deed SaleMar 10, 2022
Prior SaleDec 5, 2016 · Amount on Record
Deed Document Number0006169641
Deed Book / Page6131 / 1521
Prior Transfer DateJan 18, 2022
Prior Transfer Doc2022009372
Record UpdatedJun 8, 2026

January 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateJan 18, 2022
Property Address422 MISSOURI AVE, SAINT CLOUD, FL 34769-2749
Document Number0061311521
Book / Page6131 / 1521
Map ReferenceMB B PG 61-64
Instrument DateJan 14, 2022
Instrument2022009372
Transaction TypeTransfer
Record UpdatedFeb 2, 2022
Title CompanyCORE TITLE SERVICES LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,205.00
Amount AccuracyRounded by County
Additional
  • Notice of Foreclosure Sale
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address728 E LAKE SHORE BLVD, 728, KISSIMMEE, FL 34744-5405

Transferred To (Grantee/Buyer)

NameVerified Name
Address422 MISSOURI AVE, SAINT CLOUD, FL 34769-2749

Mortgage

Document Number0061311523
DateJan 18, 2022
Instrument6131/1523
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueFeb 1, 2052

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 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$7,864.00 (+98.39%) Homeowner's exemption$277,987 (+5.99%)$326,100 (+9.43%) Land $55,000 Building $271,100
2023$3,964.00 (-1.76%) Homeowner's exemption$262,285 (-11.15%)$298,000 (+0.95%) Land $50,000 Building $248,000
2022$4,035.00$295,200 Land $45,000 Building $250,200$295,200 Land $45,000 Building $250,200

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 18 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies18 in force

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 67% of the US · lower than 92% 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 306 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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