501 Georgia Ave, Saint Cloud, FL 34769 Property Records

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

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,239 sqft · built 1991
Lot Size	0.169 acres (7,405 sqft)
Owner	2 Individual Names on Record
Last Sale	$210,000 (Apr 2019)
Tax Bill	$3,050 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Apr 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`76731`

Property Details

APN / Parcel Number

Primary APN	`76731`
Alternative APN	`012630000100260230`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,239 sqft Heated Area
Gross Area	1,772 sqft
1st Floor Area	1,239 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1991
Effective Year Built	Effective 2001
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,405 sqft (0.169 acres)
Lot Dimensions	150 ft deep x 50 ft wide
Garage Type	Finished
Garage Area	350 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Open Porch
Porch Area	183 sqft
Fence	Fence
Shed	1 Shed
Shed Area	140 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	76731
Street Address	501 GEORGIA AVE
City	SAINT CLOUD
State	FL
Zip	34769-2658
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR2
Legal Description	ST CLOUD PB B PG 33 BLK 26 LOTS 23 & 24 3/26/30
Legal Range	30E
Legal Township	26S
Legal Section	01
Legal Subdivision	ST CLOUD
Legal Tract	1
Legal Block	26
Legal Lot Number	3,23-24 24
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3046
Census Tract	43400

Owner

Source: Osceola County records, as of December 11, 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	501 GEORGIA AVE, SAINT CLOUD, FL 34769-2658
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage ADDITION FIN'L CU
Apr 18, 2019	Warranty Deed, Transfer · Conventional Mortgage ADDITION FINANCIAL CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 18, 2019 · Amount on Record
Deed Sale	Apr 18, 2019 · Amount on Record
Prior Sale	Jun 26, 2003 · Amount on Record
Deed Document Number	0055091309
Deed Book / Page	5509 / 1309
Record Updated	Jun 8, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	501 GEORGIA AVE, SAINT CLOUD, FL 34769-2658
Document Number	0058160156
Instrument Date	Oct 14, 2020
Transaction Type	Mortgage
Record Updated	Oct 30, 2020
Title Company	MORTGAGE TITLE SERVICES INC, MORTGAGEE TITLE SVCS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	501 GEORGIA AVE ST CLOUD FL 347692658, ST CLOUD, FL 34769-2658

Mortgage

Document Number	0058160156
Date	Oct 20, 2020
Book Page	005816/000156
Instrument	141558

Lender

Name	ADDITION FIN'L CU
Address	LAKE MARY, FL 32746

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Oct 19, 2040

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 18, 2019
Property Address	501 GEORGIA AVE, SAINT CLOUD, FL 34769-2658
Document Number	0055091309
Book / Page	005509 / 001309
Instrument Date	Apr 18, 2019
Instrument	49191
Transaction Type	Transfer
Record Updated	May 8, 2019
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,470.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	501 GEORGIA AVE ST CLOUD FL 347692658, ST CLOUD, FL 34769-2658

Mortgage

Document Number	55091310
Date	Apr 18, 2019
Book Page	005509/001310
Instrument	49192

Lender

Name	ADDITION FINANCIAL CU
Address	1000 PRIMERA BLVD, LAKE MARY, FL 32746-2194

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Apr 17, 2039

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	$3,050.00 (+6.46%) Homeowner's exemption	$213,321 (+5.99%)	$308,700 (+9.82%) Land $46,800 Building $261,900
2023	$2,865.00 (+3.73%) Homeowner's exemption	$201,272 (+3%)	$281,100 (+11.59%) Land $42,500 Building $238,600
2022	$2,762.00 Homeowner's exemption	$195,410	$251,900 Land $35,100 Building $216,800

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 96% of the US · lower than 96% 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.

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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