501 California Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 501 California Ave, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,057 sqft · built 1981
Lot Size	0.26 acres (11,326 sqft)
Owner	Individual Name on Record
Last Sale	$285,000 (Sep 2023)
Tax Bill	$3,381 (2025)
Deeds & Mortgages	Nov 2025 Mortgage Sep 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`76705`

Property Details

APN / Parcel Number

Primary APN	`76705`
Alternative APN	`012630000100230220`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,057 sqft Heated Area
Gross Area	1,693 sqft
1st Floor Area	1,057 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1981
Exterior Material	Combination
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	11,326 sqft (0.26 acres)
Lot Dimensions	150 ft deep x 75 ft wide
Garage Type	Finished
Garage Area	276 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Porch
Porch Area	360 sqft
Patio Area	120 sqft
Fence	Fence
Shed	1 Shed
Shed Area	108 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	76705
Street Address	501 CALIFORNIA AVE
City	SAINT CLOUD
State	FL
Zip	34769-2609
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR2
Legal Description	ST CLOUD PB B PG 33 BLK 23 LOTS 22, 23 & 24 3/26/30
Legal Range	30E
Legal Township	26S
Legal Section	01
Legal Subdivision	ST CLOUD
Legal Tract	1
Legal Block	23
Legal Lot Number	3,22-24 23
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3033
Census Tract	43400

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	501 CALIFORNIA AVE, SAINT CLOUD, FL 34769-2609
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 12, 2025	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Sep 21, 2023	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Aug 23, 2019	Warranty Deed, Transfer CRAIG L & BEVERLY K MARTIN

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 21, 2023 · Amount on Record
Deed Sale	Sep 21, 2023 · Amount on Record
Prior Sale	Aug 23, 2019 · Amount on Record
Deed Document Number	2023124670
Deed Book / Page	6478 / 6
Record Updated	Jun 8, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	501 CALIFORNIA AVE, SAINT CLOUD, FL 34769-2609
Transaction Type	Mortgage
Record Updated	Nov 28, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	501 CALIFORNIA AVE, SAINT CLOUD, FL 34769-2609

Mortgage

Document Number	0068790659
Date	Nov 12, 2025
Book Page	6879/659
Instrument	2025139596

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2055

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 21, 2023
Property Address	501 CALIFORNIA AVE, SAINT CLOUD, FL 34769-2609
Document Number	0064780006
Book / Page	6478 / 6
Map Reference	MB B PG 33&34
Instrument Date	Sep 20, 2023
Instrument	2023124670
Transaction Type	Transfer
Record Updated	Oct 13, 2023
Title Company	GOLDEN KEY TITLE SERVICES LLC, GOLDEN KEY TITLE SVCS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,995.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	200 CACTUS HL, BARNWELL, SC 29812-7712

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	501 CALIFORNIA AVE, SAINT CLOUD, FL 34769-2609

Mortgage

Document Number	0000064788
Date	Sep 21, 2023
Instrument	6478/8

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2053

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 23, 2019
Property Address	501 CALIFORNIA AVE, SAINT CLOUD, FL 34769-2609
Document Number	0055782945
Book / Page	005578 / 002945
Instrument Date	Aug 23, 2019
Instrument	110158
Transaction Type	Transfer
Record Updated	Sep 2, 2019
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$909.30
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	501 CALIFORNIA AVE ST CLOUD FL 347692609, ST CLOUD, FL 34769-2609

Mortgage

Document Number	55782947
Date	Aug 23, 2019
Book Page	005578/002947
Instrument	110159

Lender

Name	CRAIG L & BEVERLY K MARTIN
Address	1600 GATSBY CT, CASSELBERRY, FL 32707-5832
Special Notes	Seller Financed

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Aug 22, 2049

Interest

Rate	4.5%

Tax Assessment & Valuation

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	$3,381.00 (+86.69%) Homeowner's exemption	$231,800 (+62.38%) Land $55,000 Building $176,800	$231,800 (+13.18%) Land $55,000 Building $176,800
2023	$1,811.00 (+4.2%) Homeowner's exemption	$142,750 (+3%)	$204,800 (+16.36%) Land $50,000 Building $154,800
2022	$1,738.00 Homeowner's exemption	$138,593	$176,000 Land $45,000 Building $131,000

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.

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 97% of the US · lower than 96% of Florida
Wildfire Likelihood	0.01% 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 439 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

May also be available: Hotwire Communications.

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