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433 Pennsylvania Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 433 Pennsylvania Ave, Saint Cloud, FL 34769

Property Summary

Property TypeSingle Family Home
Details2 bd · 2 ba · 868 sqft · built 1925
Lot Size0.169 acres (7,405 sqft)
OwnerIndividual Name on Record
Last Sale$275,000 (Oct 2023)
Tax Bill$4,392 (2025)
Deeds & MortgagesOct 2023 Sale & Mortgage
Jul 2021 Sale & Mortgage
+ 3 more
Flood ZoneZone X (minimal risk)
APN79575

Property Details

APN / Parcel Number

Primary APN79575
Alternative APN
  • 012630000103730065

Interior

Bedrooms2 Beds
Full Baths2 Baths
Stories1 Story
Building Area868 sqft Heated Area
Gross Area1,120 sqft
1st Floor Area868 sqft
Interior WallsPlaster
FireplaceFireplace

Exterior

Year BuiltBuilt 1925
Effective Year BuiltEffective 1985
Exterior MaterialStucco
Construction TypeFrame
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area7,405 sqft (0.169 acres)
Lot Dimensions150 ft deep x 50 ft wide
Garage Area348 sqft
Parking Spaces1 Parking Space
PorchFinished/Screened Porch
Porch Area252 sqft
FenceFence

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Account Number79575
Street Address433 PENNSYLVANIA AVE
CitySAINT CLOUD
StateFL
Zip34769-2882
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeSR1A
Legal DescriptionLAKE FRONT ADDN PB B PG 61/62 BLK 373 N 50 FT LOT 6 2-26-30
Legal Range30E
Legal Township26S
Legal Section01
Legal SubdivisionST CLOUD
Legal Tract1
Legal Block373
Legal Lot Number2,6 2
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1018
Census Tract43500

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
Co-ownerCo-owner on Record
Mailing Address433 PENNSYLVANIA AVE, SAINT CLOUD, FL 34769-2882
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Oct 5, 2023Warranty Deed, Transfer · FHA Mortgage
PLAINS COMMERCE BANK
Jul 30, 2021Warranty Deed, Transfer · FHA Mortgage
MORIA DEVELOPMENT INC
Aug 21, 2017Deed of Trust, Mortgage · Line of Credit
CENTRAL FLORIDA EDUCATORS FCU
Oct 20, 2020Warranty Deed, Transfer
STEWART TITLE
Nov 19, 2019Warranty Deed, Transfer
CHAMPION TITLE AND CLOSING, CHAMPION TITLE & CLOSING

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleOct 5, 2023 · Amount on Record
Deed SaleOct 5, 2023 · Amount on Record
Prior SaleJul 30, 2021 · Amount on Record
Deed Document Number2023131543
Deed Book / Page6485 / 1725
Record UpdatedJun 8, 2026

October 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateOct 5, 2023
Property Address433 PENNSYLVANIA AVE, SAINT CLOUD, FL 34769-2882
Document Number0064851725
Book / Page6485 / 1725
Map ReferenceMB B PG 61
Instrument DateSep 28, 2023
Instrument2023131543
Transaction TypeTransfer
Record UpdatedOct 19, 2023
Title CompanyATTORNEY

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$1,925.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address433 PENNSYLVANIA AVE, SAINT CLOUD, FL 34769-2882

Transferred To (Grantee/Buyer)

NameVerified Name
Address433 PENNSYLVANIA AVE, SAINT CLOUD, FL 34769-2882

Mortgage

Document Number0064851727
DateOct 5, 2023
Instrument6485/1727
Lender
NamePLAINS COMMERCE BANK
TypeBank
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueNov 1, 2053

Mortgage

Document Number0064851739
DateOct 5, 2023
Book Page6485/1739
Instrument2023131545
Lender
NameFLORIDA HOUSING FINANCE CORP
TypeGovernment Agency
AddressTALLAHASSEE, FL 32301
Agreement
TypeStand-Alone Second Mortgage
AmountAmount Recorded

July 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateJul 30, 2021
Property Address433 PENNSYLVANIA AVE, SAINT CLOUD, FL 34769-2882
Document Number0060131057
Book / Page6013 / 1057
Map ReferenceMB B PG 61
Instrument DateJul 28, 2021
Instrument2021118570
Transaction TypeTransfer
Record UpdatedAug 18, 2021
Title CompanySTEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,610.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
AddressPO BOX 453715, KISSIMMEE, FL 34745-3715

Transferred To (Grantee/Buyer)

NameVerified Name
Address433 PENNSYLVANIA AVE, SAINT CLOUD, FL 34769-2882

Mortgage

Document Number60131058
DateJul 30, 2021
Instrument6013/1058
Lender
NameMORIA DEVELOPMENT INC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueAug 1, 2051

August 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address433 PENNSYLVANIA AVE, SAINT CLOUD, FL 34769-2882
Transaction TypeMortgage
Record UpdatedFeb 5, 2021
Title CompanyMORTGAGEE TITLE SERVICES INC

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0051972270
DateAug 21, 2017
Book Page5197/2270
Instrument2017121088
Lender
NameCENTRAL FLORIDA EDUCATORS FCU
TypeCredit Union
AddressLAKE MARY, FL 32746
Agreement
TypeLine of Credit
AmountAmount Recorded
Term420 Months
DueAug 20, 2052
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

October 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateOct 20, 2020
Property Address433 PENNSYLVANIA AVE, SAINT CLOUD, FL 34769-2882
Document Number0058161369
Book / Page005816 / 001369
Instrument DateOct 16, 2020
Instrument141931
Transaction TypeTransfer
Record UpdatedOct 30, 2020
Title CompanySTEWART TITLE

Transaction

AmountAmount Recorded
Tax$973.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address433 PENNSYLVANIA AVE ST CLOUD FL 347692882, ST CLOUD, FL 34769-2882

November 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateNov 19, 2019
Property Address433 PENNSYLVANIA AVE, SAINT CLOUD, FL 34769-2882
Document Number0056260045
Book / Page005626 / 000045
Instrument DateNov 15, 2019
Instrument150373
Transaction TypeTransfer
Record UpdatedDec 6, 2019
Title CompanyCHAMPION TITLE AND CLOSING, CHAMPION TITLE & CLOSING

Transaction

AmountAmount Recorded
Tax$707.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address13544 MEADOW BAY LOOP ORLANDO FL 328245080, ORLANDO, FL 32824-5080

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$4,392.00 (+49.03%)$245,200 (+19.15%) Land $46,800 Building $198,400$245,200 (+9.66%) Land $46,800 Building $198,400
2023$2,947.00 (+3.73%) Homeowner's exemption$205,794 (+3%)$223,600 (+11.91%) Land $42,500 Building $181,100
2022$2,841.00 Homeowner's exemption$199,800 Land $35,100 Building $164,700$199,800 Land $35,100 Building $164,700

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 17 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies17 in force
Nearby Flood Claims1 (1994)
Claims Outside the SFHA1 of 1
Most Recent ClaimNov 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

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 Likelihood0.02% 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 330 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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