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441 Mississippi Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 441 Mississippi Ave, Saint Cloud, FL 34769

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,524 sqft · built 1985
Lot Size0.281 acres (12,240 sqft)
Owner2 Individual Names on Record
Last Sale$350,000 (Jan 2024)
Tax Bill$5,051 (2025)
Deeds & MortgagesJan 2024 Sale & Mortgage
May 2022 Sale & Mortgage
+ 2 more
Flood ZoneZone X (minimal risk)
APN01-26-30-0001-0361-0090

Property Details

APN / Parcel Number

Primary APN01-26-30-0001-0361-0090
Alternative APNs
  • 263001000103610090
  • 79415

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,524 sqft Living Area
Gross Area2,065 sqft
1st Floor Area1,524 sqft
FlooringCarpet
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1985
Effective Year BuiltEffective 1990
Architectural StyleConventional
Exterior MaterialCombination
Construction TypeFrame
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area12,240 sqft (0.281 acres)
Lot Dimensions122 ft deep x 100 ft wide
Garage TypeAttached
Garage Area525 sqft
Parking Spaces2 Parking Spaces
PorchFinished/Open Porch
Porch Area16 sqft
Patio Area468 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address441 MISSISSIPPI AVE
CitySAINT CLOUD
StateFL
Zip34769-3049
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeSR1A
Legal DescriptionGALION GARDENS PB 1 PG 140 BLK 361 LOTS 9 & 10 1-26-30
Legal Range30E
Legal Township26S
Legal Section01
Legal SubdivisionST CLOUD 2ND PLAT TOWN OF
Legal Tract1
Legal Block361
Legal Lot Number9
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group5
Census Block5029
Census Tract43500

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 Record2 Individual Names on Record
Mailing Address441 MISSISSIPPI AVE, SAINT CLOUD, FL 34769-3049
OccupancyOwner Occupied
Owner TypeIndividual
VestingHusband and Wife

Deeds, Mortgages & Sale History

DateDocument
Jan 16, 2024Warranty Deed, Transfer · FHA Mortgage
UNITED WHOLESALE MORTGAGE
May 26, 2022Quit Claim Deed, Transfer · FHA Mortgage
TITAN MUTUAL LENDING INC
Feb 26, 2018Warranty Deed, Transfer · FHA Mortgage
QUICKEN LNS
Jun 26, 2017Warranty Deed, Transfer
CLASSIC TITLE AND SOLUTIONS INC, CLASSIC TITLE & SOLUTIONS INC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJan 16, 2024 · Amount on Record
Deed SaleJan 16, 2024 · Amount on Record
Prior SaleMay 26, 2022 · Amount on Record
Deed Document Number20245946
Deed Book / Page6534 / 884
Prior Transfer DateJan 12, 2006
Prior Transfer Doc0030471450
Record UpdatedJun 8, 2026

January 2024: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateJan 16, 2024
Property Address441 MISSISSIPPI AVE, SAINT CLOUD, FL 34769-3049
Document Number0065340884
Book / Page6534 / 884
Map ReferenceMB 1 PG 140
Instrument DateJan 12, 2024
Instrument2024005946
Transaction TypeTransfer
Record UpdatedJan 31, 2024
Title CompanySTEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,450.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address363 WYASSUP RD, NORTH STONINGTON, CT 06359-1123

Transferred To (Grantee/Buyer)

NameVerified Name
Address441 MISSISSIPPI AVE, SAINT CLOUD, FL 34769-3049

Mortgage

Document Number0006534886
DateJan 16, 2024
Instrument6534/886
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueFeb 1, 2054

May 2022: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionOSCEOLA FL
Recording DateMay 26, 2022
Property Address441 MISSISSIPPI AVE, SAINT CLOUD, FL 34769-3049
Document Number0062211334
Book / Page6221 / 1334
Map ReferenceMB 1 PG 140
Instrument DateMay 18, 2022
Instrument2022083064
Transaction TypeTransfer
Record UpdatedJun 15, 2022
Title CompanyNOT AVAILABLE, TITLEMAX

Transaction

AmountAmount Recorded
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address441 MISSISSIPPI AVE, 441, SAINT CLOUD, FL 34769-3049

Transferred To (Grantee/Buyer)

NameVerified Name
Address441 MISSISSIPPI AVE, SAINT CLOUD, FL 34769-3049

Mortgage

Document Number0062211338
DateMay 26, 2022
Instrument6221/1338
Lender
NameTITAN MUTUAL LENDING INC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueJun 1, 2052

February 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateFeb 26, 2018
Property Address441 MISSISSIPPI AVE, SAINT CLOUD, FL 34769-3049
Document Number0052912650
Book / Page005291 / 002650
Instrument DateFeb 5, 2018
Instrument32805
Transaction TypeTransfer
Record UpdatedMar 13, 2018
Title CompanyCLASSIC TITLE AND SOLUTIONS INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,330.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address441 MISSISSIPPI AVE ST CLOUD FL 347693049, ST CLOUD, FL 34769-3049

Mortgage

Document Number52912651
DateFeb 26, 2018
Book Page005291/002651
Instrument32806
Lender
NameQUICKEN LNS
TypeFunding / Finance Company
AddressDETROIT, MI 48226-1906
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueFeb 25, 2048

June 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateJun 26, 2017
Property Address441 MISSISSIPPI AVE, SAINT CLOUD, FL 34769-3049
Document Number0051692857
Book / Page005169 / 002857
Instrument DateJun 12, 2017
Instrument92970
Transaction TypeTransfer
Record UpdatedJul 21, 2017
Title CompanyCLASSIC TITLE AND SOLUTIONS INC, CLASSIC TITLE & SOLUTIONS INC

Transaction

AmountAmount Recorded
Tax$1,029.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address1451 E IRLO BRONSON MEMORIAL HWY #H ST CLOUD FL 347715822, H, ST CLOUD, FL 34771-5822

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 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$5,051.00 (+89.03%)$325,100 (+74.39%) Land $55,000 Building $270,100$325,100 (+9.39%) Land $55,000 Building $270,100
2024$2,672.00 (+2.85%)
2023$2,598.00 (+3.84%) Homeowner's exemption$186,422 (+3%)$297,200 (+10.03%) Land $50,000 Building $247,200
2022$2,502.00 Homeowner's exemption$180,993$270,100 Land $45,000 Building $225,100

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 51 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies51 in force

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 63% of the US · lower than 89% of Florida
Wildfire Likelihood0.05% 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 384 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
CenturyLink
Fiber		2,000 / 1,000
Spectrum
Cable		1,000 / 35
Verizon
Fixed Wireless		300 / 20

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