Osceola County property record for 424 Mississippi Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,008 sqft · built 1974 |
| Lot Size | 0.215 acres (9,365 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $160,000 (Mar 2018) |
| Tax Bill | $1,721 (2025) |
| Deeds & Mortgages | Nov 2020 Line of Credit Mar 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-26-30-0001-0362-0060 |
| Primary APN | 01-26-30-0001-0362-0060 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,008 sqft Living Area |
| Gross Area | 1,592 sqft |
| 1st Floor Area | 1,008 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1974 |
|---|---|
| Effective Year Built | Effective 1984 |
| 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 |
| Garage Type | Attached |
| Garage Area | 308 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Screened/Unfinished Porch |
|---|---|
| Porch Area | 276 sqft |
| Shed | 1 Shed |
| Shed Area | 90 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 424 MISSISSIPPI AVE |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-3050 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR1A |
| Legal Description | GALION GARDENS PB 1 PG 140 BLK 362 LOT 6 & N 12.5 FT LOT 7 1/26/30 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD 2ND PLAT TOWN OF |
| Legal Tract | 1 |
| Legal Block | 362 |
| Legal Lot Number | 6 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 5 |
| Census Block | 5030 |
| Census Tract | 43500 |
Source: Osceola County records, as of November 26, 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 Record |
|---|---|
| Mailing Address | 424 MISSISSIPPI AVE, SAINT CLOUD, FL 34769-3050 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 5, 2020 | Deed of Trust, Mortgage · Line of Credit ADDITION FIN'L CU |
| Mar 9, 2018 | Warranty Deed, Transfer · Conventional Mortgage CENTRAL FLORIDA EDUCATORS FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 9, 2018 · Amount on Record |
| Deed Sale | Mar 9, 2018 · Amount on Record |
| Prior Sale | Jun 30, 2011 · Amount on Record |
| Deed Document Number | 201840199 |
| Deed Book / Page | 5299 / 723 |
| Prior Transfer Date | Mar 8, 2018 |
| Prior Transfer Doc | 0052990723 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 424 MISSISSIPPI AVE, SAINT CLOUD, FL 34769-3050 |
| Document Number | 0058320885 |
| Instrument Date | Nov 5, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Nov 26, 2020 |
| Title Company | MORTGAGE TITLE SERVICES INC, MORTGAGEE TITLE SVCS INC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 424 MISSISSIPPI AVE ST CLOUD FL 347693050, ST CLOUD, FL 34769-3050 |
| Document Number | 0058320885 |
|---|---|
| Date | Nov 13, 2020 |
| Book Page | 005832/000885 |
| Instrument | 155516 |
| Name | ADDITION FIN'L CU |
|---|---|
| Address | LAKE MARY, FL 32746 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 420 Months |
| Due | Nov 12, 2055 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Mar 9, 2018 |
| Property Address | 424 MISSISSIPPI AVE, SAINT CLOUD, FL 34769-3050 |
| Document Number | 0052990723 |
| Book / Page | 5299 / 0723 |
| Map Reference | MB1 PG140 |
| Instrument Date | Mar 8, 2018 |
| Instrument | 2018040199 |
| Transaction Type | Transfer |
| Record Updated | Aug 1, 2022 |
| Title Company | ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,120.00 |
| Amount Accuracy | Rounded by County |
| Name | Verified Name |
|---|---|
| Address | 7035 MAVERICK TRL, 7035, SAINT CLOUD, FL 34771-9550 |
| Name | Verified Name |
|---|---|
| Address | 424 MISSIPPI AVGE, SAINT CLOUD, FL 34769 |
| Document Number | 2018040200 |
|---|---|
| Date | Mar 9, 2018 |
| Instrument | 2018040200 |
| Name | CENTRAL FLORIDA EDUCATORS FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2048 |
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 | $1,721.00 (+3.93%) Homeowner's exemption | $139,030 (+5.99%) | $225,200 (+12.71%) Land $55,000 Building $170,200 |
| 2024 | $1,656.00 (+3.31%) | ||
| 2023 | $1,603.00 (+4.43%) Homeowner's exemption | $131,177 (+3%) | $199,800 (+15.56%) Land $50,000 Building $149,800 |
| 2022 | $1,535.00 Homeowner's exemption | $127,357 | $172,900 Land $45,000 Building $127,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 51 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 51 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 63% of the US · lower than 89% of Florida |
|---|---|
| Wildfire Likelihood | 0.05% 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 384 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CenturyLink Fiber | 2,000 / 1,000 |
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures