Osceola County property record for 435 Pennsylvania Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,900 sqft · built 1925 |
| Lot Size | 0.169 acres (7,405 sqft) |
| Owner | Individual Name on File |
| Last Sale | $465,000 (Aug 2025) |
| Tax Bill | $2,671 (2025) |
| Deeds & Mortgages | Aug 2025 Sale & Mortgage Apr 2018 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 79574 |
| Primary APN | 79574 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,900 sqft Heated Area |
| Gross Area | 2,158 sqft |
| 1st Floor Area | 1,540 sqft |
| Flooring | Terrazzo |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1925 |
|---|---|
| Effective Year Built | Effective 1990 |
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 7,405 sqft (0.169 acres) |
| Lot Dimensions | 150 ft deep x 50 ft wide |
| Pool Area | 450 sqft |
|---|---|
| Porch | Enclosed Porch |
| Porch Area | 618 sqft |
| Deck Area | 300 sqft |
| Fence | Fence |
| Shed | 1 Shed |
| Shed Area | 80 sqft |
| Utility Building | 80 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 79574 |
|---|---|
| Street Address | 435 PENNSYLVANIA AVE |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-2882 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR1A |
| Legal Description | LAKE FRONT ADDN PB B PG 61/62 BLK 373 S 50 FT LOT 6 2/26/30 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD |
| Legal Tract | 1 |
| Legal Block | 373 |
| Legal Lot Number | 2,6 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1018 |
| Census Tract | 43500 |
435 Pennsylvania Ave is owned and occupied by an individual who bought it in August 2025.
Source: Osceola County records, as of December 16, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 435 PENNSYLVANIA AVE, SAINT CLOUD, FL 34769-2882 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Aug 20, 2025 | Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Apr 6, 2018 | Warranty Deed, Transfer STEWART TITLE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 20, 2025 · Amount on File |
| Deed Sale | Aug 20, 2025 · Amount on File |
| Prior Sale | Apr 6, 2018 · Amount on File |
| Deed Document Number | 2025103998 |
| Deed Book / Page | 6837 / 2695 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Aug 20, 2025 |
| Property Address | 435 PENNSYLVANIA AVE, SAINT CLOUD, FL 34769-2882 |
| Document Number | 0068372695 |
| Book / Page | 6837 / 2695 |
| Map Reference | MB B PG 61 |
| Instrument Date | Aug 18, 2025 |
| Instrument | 2025103998 |
| Transaction Type | Transfer |
| Record Updated | Dec 17, 2025 |
| Title Company | STEWART TITLE COMPANY-F, STEWART TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,255.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3570 AMALFI DR, WEST PALM BEACH, FL 33417-1044 |
| Name | Verified Name |
|---|---|
| Address | 435 PENNSYLVANIA AVE, SAINT CLOUD, FL 34769-2882 |
| Document Number | 0068372697 |
|---|---|
| Date | Aug 20, 2025 |
| Instrument | 6837/2697 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Apr 6, 2018 |
| Property Address | 435 PENNSYLVANIA AVE, SAINT CLOUD, FL 34769-2882 |
| Document Number | 0053121827 |
| Book / Page | 005312 / 001827 |
| Instrument Date | Apr 5, 2018 |
| Instrument | 54255 |
| Transaction Type | Transfer |
| Record Updated | May 22, 2018 |
| Title Company | STEWART TITLE |
| Amount | Amount on Record |
|---|---|
| Tax | $1,680.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 435 PENNSYLVANIA AVE ST CLOUD FL 347692882, ST CLOUD, FL 34769-2882 |
The 2025 property tax bill for 435 Pennsylvania Ave was $2,671 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 | $2,671.00 Homeowner's exemption Senior Citizen's exemption | $203,764 | $346,700 Land $46,800 Building $299,900 |
| 2023 | $2,495.00 (+4.13%) Homeowner's exemption Senior Citizen's exemption | $192,255 (+3%) | $315,500 (+10.9%) Land $42,500 Building $273,000 |
| 2022 | $2,396.00 Homeowner's exemption Senior Citizen's exemption | $186,656 | $284,500 Land $35,100 Building $249,400 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 435 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 435 Pennsylvania Ave is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 67% of the US · lower than 92% 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.
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 330 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CenturyLink Fiber | 8,000 / 8,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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