Osceola County property record for 424 Georgia Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,306 sqft · built 1973 |
| Lot Size | 0.219 acres (9,583 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $72,000 (May 1994) |
| Tax Bill | $638 (2025) |
| Deeds & Mortgages | Apr 2021 Line of Credit Mar 2018 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | 79775 |
| Primary APN | 79775 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,306 sqft Heated Area |
| Gross Area | 2,176 sqft |
| 1st Floor Area | 1,306 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1973 |
|---|---|
| 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 | Finished |
| Garage Area | 378 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 108 sqft |
| Fence | Fence |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 79775 |
|---|---|
| Street Address | 424 GEORGIA AVE |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-2657 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR2 |
| Legal Description | TOWN OF ST CLOUD PB B PG 61-62 BLK 388 S 25 FT LOT 4 & N 37.5 FT LOT 5 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD |
| Legal Tract | 1 |
| Legal Block | 388 |
| Legal Lot Number | 4-5 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 3 |
| Census Block | 3038 |
| Census Tract | 43400 |
Source: Osceola County records · APN 79775
Assessment roll updated July 1, 2025 · Last verified December 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 424 GEORGIA AVE, SAINT CLOUD, FL 34769-2657 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 22, 2021 | Deed of Trust, Mortgage · Line of Credit ADDITION FINANCIAL CU |
| Mar 20, 2018 | Loan Modification, Mortgage · Conventional with PMI WFB NA |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 31, 1994 · Amount on Record |
| Deed Sale | May 31, 1994 · Amount on Record |
| Deed Document Number | 0001193528 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 424 GEORGIA AVE, SAINT CLOUD, FL 34769-2657 |
| Transaction Type | Mortgage |
| Record Updated | May 12, 2021 |
| Title Company | MORTGAGE TITLE SERVICES INC, MORTGAGEE TITLE SERVICES INC |
| Name | Verified Name |
|---|---|
| Address | 424 GEORGIA AVE, SAINT CLOUD, FL 34769-2657 |
| Document Number | 0059412242 |
|---|---|
| Date | Apr 22, 2021 |
| Book Page | 5941/2242 |
| Instrument | 2021061265 |
| Name | ADDITION FINANCIAL CU |
|---|---|
| Type | Credit Union |
| Address | LAKE MARY, FL 32746 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 420 Months |
| Due | Apr 21, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 424 GEORGIA AVE, SAINT CLOUD, FL 34769-2657 |
| Document Number | 0053211199 |
| Instrument Date | Mar 20, 2018 |
| Transaction Type | Mortgage |
| Record Updated | May 22, 2018 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 424 GEORGIA AVE ST CLOUD FL 347692657, ST CLOUD, FL 34769-2657 |
| Document Number | 0053211199 |
|---|---|
| Date | Apr 23, 2018 |
| Book Page | 005321/001199 |
| Instrument | 63888 |
| Name | WFB NA |
|---|---|
| Address | FORT MILL, SC 29715 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 420 Months |
| Due | Apr 22, 2053 |
| Rate | 4.25% |
|---|
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $638.00 (+8.87%) Homeowner's exemption | $78,534 (+5.99%) | $235,000 (+13.04%) Land $55,000 Building $180,000 |
| 2023 | $586.00 (+1.91%) Homeowner's exemption | $74,099 (+3%) | $207,900 (+12.81%) Land $50,000 Building $157,900 |
| 2022 | $575.00 Homeowner's exemption | $71,941 | $184,300 Land $45,000 Building $139,300 |
Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
|
| Wildfire Risk | Low lower than 98% of the US · lower than 97.6% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Lumen Technologies Fiber | 8,000 / 8,000 |
| Spectrum Cable | 1,000 / 1,000 |
May also be available: AT&T, Verizon.
Based on FCC filings for 368 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | ST. CLOUD, CITY OF (3 WPS) serves 82,752 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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