437 Montana Ave, Saint Cloud, FL 34769 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,026 sqft · built 1977
Lot Size	0.219 acres (9,583 sqft)
Owner	Individual Name on File
Last Sale	$190,000 (May 2017)
Tax Bill	$2,068 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Feb 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`79794`

Property Details

APN / Parcel Number

Primary APN	`79794`
Alternative APN	`012630000103890065`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,026 sqft Heated Area
Gross Area	1,515 sqft
1st Floor Area	1,026 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1997
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,583 sqft (0.219 acres)
Lot Dimensions	150 ft deep x 62.5 ft wide
Garage Type	Finished
Garage Area	209 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Finished/Screened Porch
Porch Area	192 sqft
Fence	Fence
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	79794
Street Address	437 MONTANA AVE
City	SAINT CLOUD
State	FL
Zip	34769-2669
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR2
Legal Description	ST CLOUD PB B PG 61-62 BLK 389 N 37.5 FT LOT 6 & S 25 FT LOT 7
Legal Range	30E
Legal Township	26S
Legal Section	01
Legal Subdivision	ST CLOUD
Legal Tract	1
Legal Block	389
Legal Lot Number	6-7
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3039
Census Tract	43400

Owner

437 Montana Ave is owned and occupied by an individual who bought it in May 2017.

Source: Osceola County records, as of December 11, 2025

Owner of Record	Individual Name on File
Mailing Address	437 MONTANA AVE, SAINT CLOUD, FL 34769-2669
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.

Deeds, Mortgages & Sale History

Date	Document
Jul 7, 2021	Deed of Trust, Mortgage PARTNERS FCU
Feb 26, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
May 5, 2017	Warranty Deed, Transfer · Conventional Mortgage THE MORTGAGE FIRM INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 5, 2017 · Amount on File
Deed Sale	May 5, 2017 · Amount on File
Prior Sale	Jul 24, 2001 · Amount on File
Deed Document Number	0005143427
Deed Book / Page	5143 / 427
Record Updated	Jun 8, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	437 MONTANA AVE, SAINT CLOUD, FL 34769-2669
Transaction Type	Mortgage
Record Updated	Feb 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	437 MONTANA AVE, SAINT CLOUD, FL 34769-2669

Mortgage

Document Number	0059971285
Date	Jul 7, 2021
Book Page	5997/1285
Instrument	2021105880

Lender

Name	PARTNERS FCU
Type	Credit Union
Address	ORLANDO, FL 32821

Agreement

Amount	Amount on Record
Term	240 Months
Due	Jul 9, 2041

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	437 MONTANA AVE, SAINT CLOUD, FL 34769-2669
Transaction Type	Mortgage
Record Updated	Feb 10, 2023
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	437 MONTANA AVE, SAINT CLOUD, FL 34769-2669

Mortgage

Document Number	0058991219
Date	Feb 26, 2021
Book Page	5899/1219
Instrument	2021028258

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	244 Months
Due	Jun 1, 2041

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 5, 2017
Property Address	437 MONTANA AVE, SAINT CLOUD, FL 34769-2669
Document Number	0051430571
Book / Page	5143 / 0571
Map Reference	MB B PG61-64
Instrument Date	Apr 27, 2017
Instrument	2017066436
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	CLASSIC TITLE & SOLUTIONS IN

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,330.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1105 DEAN ST, 1105, SAINT CLOUD, FL 34771-4813

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	437 MONTANA AVE, SAINT CLOUD, FL 34769-2669

Mortgage

Document Number	0051430572
Date	May 5, 2017
Book Page	5143/0572
Instrument	2017066437

Lender

Name	THE MORTGAGE FIRM INC
Type	Mortgage Company
Address	ALTAMONTE SPRINGS, FL 32714

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 437 Montana Ave was $2,068 with a homeowner's exemption.

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	$2,068.00 Homeowner's exemption	$158,463	$283,100 Land $55,000 Building $228,100
2023	$1,933.00 (+4.15%) Homeowner's exemption	$149,513 (+3%)	$258,500 (+10.19%) Land $50,000 Building $208,500
2022	$1,856.00 Homeowner's exemption	$145,159	$234,600 Land $45,000 Building $189,600

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 437 Montana Ave in Zone X, an area of minimal flood risk, though there have been 24 flood claims 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 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

Wildfire risk around 437 Montana 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 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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