507 Georgia Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 507 Georgia Ave, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,170 sqft · built 1973
Lot Size	0.169 acres (7,405 sqft)
Owner	Owner Name on Record
Last Sale	$103,900 (Feb 2014)
Tax Bill	$1,114 (2025)
Deeds & Mortgages	Jun 2023 Line of Credit Apr 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`76730`

Property Details

APN / Parcel Number

Primary APN	`76730`
Alternative APN	`012630000100260210`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,170 sqft Heated Area
Gross Area	1,716 sqft
1st Floor Area	1,170 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1988
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	Carport
Carport	Carport

Exterior Amenities

Porch	Open Porch
Porch Area	546 sqft
Fence	Fence
Shed	1 Shed
Shed Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	76730
Street Address	507 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 21 & 22 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	3,21-22 22
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	Owner Name on Record
Mailing Address	507 GEORGIA AVE, SAINT CLOUD, FL 34769-2658
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Date	Document
Jun 15, 2023	Deed of Trust, Mortgage · Line of Credit TRUIST BANK
Apr 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage TRUIST BANK
Dec 15, 2017	Deed of Trust, Mortgage · Line of Credit BRANCH BK&TR
Jul 21, 2017	Deed of Trust, Mortgage · Conventional Mortgage BRANCH BK&TR

Assessor's Deed Record

Last Sale	Feb 18, 2014 · Amount on Record
Deed Sale	Feb 18, 2014 · Amount on Record
Prior Sale	Apr 2, 2004 · Amount on Record
Deed Document Number	0004572690
Deed Book / Page	4572 / 690
Record Updated	Jun 8, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	507 GEORGIA AVE, SAINT CLOUD, FL 34769-2658
Transaction Type	Mortgage
Record Updated	Jun 26, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	507 GEORGIA AVE, SAINT CLOUD, FL 34769-2658

Mortgage

Document Number	0064251678
Date	Jun 15, 2023
Book Page	6425/1678
Instrument	2023077745

Lender

Name	TRUIST BANK
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 5, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	507 GEORGIA AVE, SAINT CLOUD, FL 34769-2658
Transaction Type	Mortgage
Record Updated	May 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	507 GEORGIA AVE, SAINT CLOUD, FL 34769-2658

Mortgage

Document Number	0059461476
Date	Apr 28, 2021
Book Page	5946/1476
Instrument	2021065044

Lender

Name	TRUIST BANK
Type	Bank
Address	RICHMOND, VA 23224

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	507 GEORGIA AVE, SAINT CLOUD, FL 34769-2658
Document Number	0052672900
Book / Page	005267 / 002900
Instrument Date	Dec 15, 2017
Transaction Type	Mortgage
Record Updated	Feb 9, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	507 GEORGIA AVE ST CLOUD FL 347692658, ST CLOUD, FL 34769-2658

Mortgage

Document Number	0052672900
Date	Jan 11, 2018
Book Page	005267/002900
Instrument	5976

Lender

Name	BRANCH BK&TR
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jan 10, 2043

Interest

Rate Type	Adjustable Rate

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	507 GEORGIA AVE, SAINT CLOUD, FL 34769-2658
Document Number	0051841502
Book / Page	005184 / 001502
Instrument Date	Jul 21, 2017
Transaction Type	Mortgage
Record Updated	Aug 25, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	507 GEORGIA AVE ST CLOUD FL 347692658, ST CLOUD, FL 34769-2658

Mortgage

Document Number	0051841502
Date	Jul 26, 2017
Book Page	005184/001502
Instrument	108096

Lender

Name	BRANCH BK&TR
Type	Bank
Address	WILSON, NC 27893

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 25, 2047

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	$1,114.00 (+8.47%) Homeowner's exemption	$105,142 (+5.99%)	$231,800 (+11.87%) Land $46,800 Building $185,000
2023	$1,027.00 (+5.23%) Homeowner's exemption	$99,203 (+3%)	$207,200 (+18.13%) Land $42,500 Building $164,700
2022	$976.00 Homeowner's exemption	$96,314	$175,400 Land $35,100 Building $140,300

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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