425 Columbia Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 425 Columbia Ave, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,260 sqft · built 1989
Lot Size	0.139 acres (6,098 sqft)
Owner	Individual Name on Record
Last Sale	$288,000 (Mar 2022)
Tax Bill	$4,078 (2025)
Deeds & Mortgages	Mar 2022 Sale & Mortgage Jun 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`79811`

Property Details

APN / Parcel Number

Primary APN	`79811`
Alternative APN	`012630000103900075`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,260 sqft Heated Area
1st Floor Area	1,032 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1996
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,098 sqft (0.139 acres)
Lot Dimensions	126 ft deep x 50 ft wide
Garage Area	228 sqft

Exterior Amenities

Porch	Enclosed Porch
Porch Area	228 sqft
Patio Area	80 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	79811
Street Address	425 COLUMBIA AVE
City	SAINT CLOUD
State	FL
Zip	34769-2650
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR2
Legal Description	LAKE FRONT ADDN PB B PG 61-62 BLK 390 N 1/2 LOT 7
Legal Range	30E
Legal Township	26S
Legal Section	01
Legal Subdivision	ST CLOUD
Legal Tract	1
Legal Block	390
Legal Lot Number	7
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
Co-owner	Co-owner on Record
Mailing Address	425 COLUMBIA AVE, SAINT CLOUD, FL 34769-2650
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 31, 2022	Warranty Deed, Transfer · FHA Mortgage FLAGSTAR BANK FSB
Jun 11, 2021	Warranty Deed, Transfer OS NATIONAL LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 31, 2022 · Amount on Record
Deed Sale	Mar 31, 2022 · Amount on Record
Prior Sale	Jun 11, 2021 · Amount on Record
Deed Document Number	2022051361
Deed Book / Page	6183 / 2676
Record Updated	Jun 8, 2026

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 31, 2022
Property Address	425 COLUMBIA AVE, SAINT CLOUD, FL 34769-2650
Document Number	0061832676
Book / Page	6183 / 2676
Map Reference	MB B PG 61-64
Instrument Date	Mar 24, 2022
Instrument	2022051361
Transaction Type	Transfer
Record Updated	Jun 24, 2022
Title Company	OS NATIONAL LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,016.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	410 N SCOTTSDALE RD # RD1600, 410, TEMPE, AZ 85281-7094

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	425 COLUMBIA AVE, SAINT CLOUD, FL 34769-2650
Investor	Possibly a Property Investor

Mortgage

Document Number	0061832678
Date	Mar 31, 2022
Instrument	6183/2678

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 11, 2021
Property Address	425 COLUMBIA AVE, SAINT CLOUD, FL 34769-2650
Document Number	0059782887
Book / Page	5978 / 2887
Map Reference	MB B PG 61-64
Instrument Date	Jun 2, 2021
Instrument	2021091074
Transaction Type	Transfer
Record Updated	Jul 1, 2026
Title Company	OS NATIONAL LLC

Transaction

Amount	Amount Recorded
Tax	$1,820.70
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	200 VERMONT AVE, SAINT CLOUD, FL 34769-2215

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	410 N SCOTTSDALE RD STE 1600, 1600, TEMPE, AZ 85288-0976
Investor	Possibly a Property Investor

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	$4,078.00 (+10.66%) Homeowner's exemption	$270,737 (+9.7%)	$279,900 (+13.41%) Land $46,800 Building $233,100
2023	$3,685.00 (-8.67%) Homeowner's exemption	$246,800 (+10.33%) Land $34,000 Building $212,800	$246,800 (+10.33%) Land $34,000 Building $212,800
2022	$4,035.00	$223,700 Land $30,600 Building $193,100	$223,700 Land $30,600 Building $193,100

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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