Osceola County property record for 428 Pennsylvania Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,236 sqft · built 1925 |
| Lot Size | 0.339 acres (14,810 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $45,000 (Aug 1984) |
| Tax Bill | $1,446 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 79586 |
| Primary APN | 79586 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,236 sqft Heated Area |
| Gross Area | 3,412 sqft |
| 1st Floor Area | 1,464 sqft |
| Upper Floors Area | 772 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1925 |
|---|---|
| Effective Year Built | Effective 1990 |
| Exterior Material | Fiber Cement Siding |
| Construction Type | Frame |
| Foundation Type | Pier/Post & Beam |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 14,810 sqft (0.339 acres) |
| Lot Dimensions | 150 ft deep x 100 ft wide |
| Garage Type | Finished |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 450 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 600 sqft |
| Deck Area | 450 sqft |
| Fence | Fence |
| Shed | 1 Shed |
| Shed Area | 80 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 79586 |
|---|---|
| Street Address | 428 PENNSYLVANIA AVE |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-2883 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR1A |
| Legal Description | LAKE FRONT ADDN PB B PG 61/62 BLK 374 LOT 4 2/26/30 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD |
| Legal Tract | 1 |
| Legal Block | 374 |
| Legal Lot Number | 2,4 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1017 |
| Census Tract | 43500 |
428 Pennsylvania Ave is owned and occupied by two individuals who bought it in August 1984.
Source: Osceola County records, as of December 11, 2025
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 428 PENNSYLVANIA AVE, SAINT CLOUD, FL 34769-2883 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 24, 1984 · Amount on File |
| Deed Sale | Aug 24, 1984 · Amount on File |
| Deed Document Number | 0007541436 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 428 Pennsylvania Ave was $1,446 with exemptions applied.
Source: Osceola County assessment roll, as of July 1, 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 | $1,446.00 Homeowner's exemption Disabled Person's exemption Senior Citizen's exemption | $140,330 | $355,100 Land $63,200 Building $291,900 |
| 2023 | $1,327.00 (-14.77%) Homeowner's exemption Disabled Person's exemption Senior Citizen's exemption | $132,404 (+3%) | $316,600 (+15.25%) Land $57,500 Building $259,100 |
| 2022 | $1,557.00 Homeowner's exemption | $128,548 | $274,700 Land $51,800 Building $222,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 428 Pennsylvania Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim 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 File median of 17 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 17 in force |
| Nearby Flood Claims | 1 (1994) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Nov 1994 · rainfall accumulation |
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 428 Pennsylvania Ave is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 93% of Florida |
|---|---|
| Wildfire Likelihood | 0.01% 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 526 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 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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