437 Georgia Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 437 Georgia Ave, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,332 sqft · built 1973
Lot Size	0.215 acres (9,365 sqft)
Owner	2 Individual Names on Record
Last Sale	$339,500 (Jun 2025)
Tax Bill	$5,124 (2025)
Deeds & Mortgages	Jun 2025 Sale & Mortgage Feb 2025 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`01-26-30-0001-0387-0065`

Property Details

APN / Parcel Number

Primary APN	`01-26-30-0001-0387-0065`
Alternative APNs	`263001000103870065` `79762`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,332 sqft Living Area
Gross Area	1,786 sqft
1st Floor Area	1,112 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1983
Architectural Style	L-Shape
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	350 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Florida Room
Porch Area	324 sqft
Shed	1 Shed
Shed Area	90 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	437 GEORGIA AVE
City	SAINT CLOUD
State	FL
Zip	34769-2656
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR2
Legal Description	LAKE FRONT ADDN PB B PG 61-62 BLK 387 N 37.5 FT OF LOT 6 AND S 25 FT OF LOT 7
Legal Range	30E
Legal Township	26S
Legal Section	01
Legal Subdivision	ST CLOUD 2ND PLAT TOWN OF
Legal Tract	1
Legal Block	387
Legal Lot Number	65
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3037
Census Tract	43400

Owner

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	437 GEORGIA AVE, SAINT CLOUD, FL 34769-2656
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jun 30, 2025	Warranty Deed, Transfer · FHA Mortgage WATERSTONE MORTGAGE CORP
Feb 21, 2025	Warranty Deed, Transfer OS NATIONAL LLC
Jul 13, 2022	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Jun 11, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 30, 2025 · Amount on Record
Deed Sale	Jun 30, 2025 · Amount on Record
Prior Sale	Feb 21, 2025 · Amount on Record
Deed Document Number	202581110
Deed Book / Page	6811 / 15
Prior Transfer Date	Jun 10, 2020
Prior Transfer Doc	0057360323
Record Updated	Sep 20, 2026

June 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 30, 2025
Property Address	437 GEORGIA AVE, SAINT CLOUD, FL 34769-2656
Document Number	0068110015
Book / Page	6811 / 15
Map Reference	MB B PG 61-64
Instrument Date	Jun 23, 2025
Instrument	2025081110
Transaction Type	Transfer
Record Updated	Jul 1, 2026
Title Company	OS NATIONAL LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,376.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	410 N SCOTTSDALE RD # RD1600, RD1600, TEMPE, AZ 85288-7094

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	437 GEORGIA AVE, SAINT CLOUD, FL 34769-2656

Mortgage

Document Number	0000681117
Date	Jun 30, 2025
Instrument	6811/17

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2055

February 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 21, 2025
Property Address	437 GEORGIA AVE, SAINT CLOUD, FL 34769-2656
Document Number	0067432457
Book / Page	6743 / 2457
Map Reference	MB B PG 61-64
Instrument Date	Feb 18, 2025
Instrument	2025022635
Transaction Type	Transfer
Record Updated	Jul 1, 2026
Title Company	OS NATIONAL LLC

Transaction

Amount	Amount Recorded
Tax	$2,112.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	21738 SE 3RD PL, SAMMAMISH, WA 98074-7052

Transferred To (Grantee/Buyer)

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

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 13, 2022
Property Address	437 GEORGIA AVE, SAINT CLOUD, FL 34769-2656
Document Number	0062502486
Book / Page	6250 / 2486
Map Reference	MB B PG 61-64
Instrument Date	Jul 11, 2022
Instrument	2022108361
Transaction Type	Transfer
Record Updated	Jul 1, 2026
Title Company	A CLEAR CHOICE T&E OF OSCEOL

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,309.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	749 LULLWATER DR, OVIEDO, FL 32765-8511

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3369 CORDGRASS PL, SAINT CLOUD, FL 34773-6054

Mortgage

Document Number	0062502487
Date	Jul 13, 2022
Instrument	6250/2487

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

June 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 11, 2020
Property Address	437 GEORGIA AVE, SAINT CLOUD, FL 34769-2656
Document Number	0057360323
Book / Page	005736 / 000323
Instrument Date	Jun 10, 2020
Instrument	75065
Transaction Type	Transfer
Record Updated	Jul 30, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	749 LULLWATER DR OVIEDO FL 327658511, OVIEDO, FL 32765-8511

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 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	$5,124.00 (+1.55%)	$286,100 (+10.04%) Land $55,000 Building $231,100	$286,100 (+10.04%) Land $55,000 Building $231,100
2024	$5,046.00 (+7.68%)
2023	$4,686.00 (+49.38%)	$260,000 (+33.88%) Land $50,000 Building $210,000	$260,000 (+33.88%) Land $50,000 Building $210,000
2022	$3,137.00	$194,200 Land $45,000 Building $149,200	$194,200 Land $45,000 Building $149,200

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 98% of the US · lower than 97.6% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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 368 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

May also be available: AT&T, Verizon.

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