Osceola County property record for 438 Pennsylvania Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,136 sqft · built 1922 |
| Lot Size | 0.172 acres (7,492 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $155,000 (Feb 2018) |
| Tax Bill | $4,221 (2025) |
| Deeds & Mortgages | Mar 2026 Transfer Feb 2023 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-26-30-0001-0374-0055 |
| Primary APN | 01-26-30-0001-0374-0055 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 2,136 sqft Living Area |
| Gross Area | 2,767 sqft |
| 1st Floor Area | 1,430 sqft |
| Upper Floors Area | 706 sqft |
| Flooring | Wood |
| Interior Walls | Plaster |
| Year Built | Built 1922 |
|---|---|
| Effective Year Built | Effective 1952 |
| Exterior Material | Aluminum Siding |
| Construction Type | Frame |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 7,492 sqft (0.172 acres) |
| Lot Dimensions | 150 ft deep x 0.5 ft wide |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 307 sqft |
| Cooling System | Central |
|---|
| Street Address | 438 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 S 50 FT LOT 5 2/26/30 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD 2ND PLAT TOWN OF |
| Legal Tract | 1 |
| Legal Block | 374 |
| Legal Lot Number | 5 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1017 |
| Census Tract | 43500 |
438 Pennsylvania Ave is owned by two individuals who acquired it in March 2026.
Source: Osceola County records, as of June 30, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 700 FLORIDA AVE, SAINT CLOUD, FL 34769-3346 |
| Owner Type | Individual |
| Vesting | Life Estate |
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 |
|---|---|
| Mar 13, 2026 | Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY |
| Feb 22, 2023 | Deed of Trust, Mortgage · Conventional Mortgage SOUTH STATE BANK NA |
| Dec 27, 2022 | Deed of Trust, Mortgage · Conventional Mortgage SOUTH STATE BANK NA |
| Feb 12, 2018 | Warranty Deed, Transfer · Conventional Mortgage STEARNS LNDG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 12, 2018 · Amount on File |
| Deed Sale | Feb 12, 2018 · Amount on File |
| Deed Document Number | 201823756 |
| Deed Book / Page | 5284 / 485 |
| Last Transfer Date | Mar 5, 2026 |
| Transfer Doc | 0069362753 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Mar 13, 2026 |
| Property Address | 438 PENNSYLVANIA AVE, SAINT CLOUD, FL 34769-2883 |
| Document Number | 0069362753 |
| Book / Page | 6936 / 2753 |
| Map Reference | MB B PG 61-64 |
| Instrument Date | Mar 5, 2026 |
| Instrument | 2026033360 |
| Transaction Type | Transfer |
| Record Updated | Mar 26, 2026 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 700 FLORIDA AVE, SAINT CLOUD, FL 34769-3346 |
| Name | Verified Name |
|---|---|
| Address | 700 FLORIDA AVE, SAINT CLOUD, FL 34769-3346 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 438 PENNSYLVANIA AVE, SAINT CLOUD, FL 34769-2883 |
| Transaction Type | Mortgage |
| Record Updated | Mar 8, 2023 |
| Name | Verified Name |
|---|---|
| Address | 700 FLORIDA AVE, SAINT CLOUD, FL 34769-3346 |
| Document Number | 0063611860 |
|---|---|
| Date | Feb 22, 2023 |
| Book Page | 6361/1860 |
| Instrument | 2023021279 |
| Name | SOUTH STATE BANK NA |
|---|---|
| Type | Bank |
| Address | CHARLESTON, SC 29406 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 239 Months |
| Due | Jan 1, 2043 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 438 PENNSYLVANIA AVE, SAINT CLOUD, FL 34769-2883 |
| Transaction Type | Mortgage |
| Record Updated | Jan 11, 2023 |
| Name | Verified Name |
|---|---|
| Address | 700 FLORIDA AVE, SAINT CLOUD, FL 34769-3346 |
| Document Number | 0063351659 |
|---|---|
| Date | Dec 27, 2022 |
| Book Page | 6335/1659 |
| Instrument | 2022184233 |
| Name | SOUTH STATE BANK NA |
|---|---|
| Type | Bank |
| Address | CHARLESTON, SC 29406 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Feb 12, 2018 |
| Property Address | 438 PENNSYLVANIA AVE, SAINT CLOUD, FL 34769-2883 |
| Document Number | 0052840485 |
| Book / Page | 005284 / 000485 |
| Instrument Date | Feb 2, 2018 |
| Instrument | 23756 |
| Transaction Type | Transfer |
| Record Updated | Feb 27, 2018 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,085.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 700 FLORIDA AVE ST CLOUD FL 347693346, ST CLOUD, FL 34769-3346 |
| Document Number | 52840487 |
|---|---|
| Date | Feb 12, 2018 |
| Book Page | 005284/000487 |
| Instrument | 23757 |
| Name | STEARNS LNDG |
|---|---|
| Address | SANTA ANA, CA 92707-8788 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 11, 2048 |
The 2025 property tax bill for 438 Pennsylvania Ave was $4,221, up 7.6% from the year before.
Source: Osceola County assessment roll, as of November 26, 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 | $4,221.00 (+7.6%) | $258,700 Land $46,800 Building $211,900 | $258,700 Land $46,800 Building $211,900 |
| 2024 | $3,923.00 (+9.15%) | ||
| 2023 | $3,594.00 (+12.81%) | $228,200 (+18.73%) Land $42,500 Building $185,700 | $228,200 (+18.73%) Land $42,500 Building $185,700 |
| 2022 | $3,186.00 | $192,200 Land $35,100 Building $157,100 | $192,200 Land $35,100 Building $157,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 438 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 438 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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