509 Missouri Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 509 Missouri Ave, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,037 sqft · built 1928
Lot Size	0.219 acres (9,583 sqft)
Owner	Owner Name on Record
Last Sale	$49,900 (Jul 2010)
Tax Bill	$2,918 (2025)
Deeds & Mortgages	Nov 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`76662`

Property Details

APN / Parcel Number

Primary APN	`76662`
Alternative APN	`012630000100180190`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,037 sqft Heated Area
Gross Area	1,103 sqft
1st Floor Area	1,037 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1928
Effective Year Built	Effective 1968
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	9,583 sqft (0.219 acres)
Lot Dimensions	150 ft deep x 62.5 ft wide
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	76662
Street Address	509 MISSOURI AVE
City	SAINT CLOUD
State	FL
Zip	34769-2750
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR2
Legal Description	ST CLOUD PB B PG 33/34 BLK 18 N 1/2 LOT 19, ALL LOT 20 & 21 2/26/30
Legal Range	30E
Legal Township	26S
Legal Section	01
Legal Subdivision	ST CLOUD
Legal Tract	1
Legal Block	18
Legal Lot Number	2,19-21
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1016
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	PO BOX 39, KENANSVILLE, FL 34739-0039

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 26, 2010 · Amount on Record
Deed Sale	Jul 26, 2010 · Amount on Record
Prior Sale	Dec 19, 2005 · Amount on Record
Deed Document Number	2010106477
Deed Book / Page	4012 / 2770
Record Updated	Jun 8, 2026

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	509 MISSOURI AVE, SAINT CLOUD, FL 34769-2750
Document Number	0052370904
Book / Page	005237 / 000904
Instrument Date	Nov 9, 2017
Transaction Type	Mortgage
Record Updated	Dec 12, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3492 NEWBERRY WAY ST CLOUD FL 347728528, ST CLOUD, FL 34772-8528

Mortgage

Document Number	0052370904
Date	Nov 9, 2017
Book Page	005237/000904
Instrument	160885

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 8, 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	$2,918.00 (+17.14%)	$179,400 (+12.62%) Land $55,000 Building $124,400	$179,400 (+12.62%) Land $55,000 Building $124,400
2023	$2,491.00 (+10.76%)	$159,300 (+12.5%) Land $50,000 Building $109,300	$159,300 (+12.5%) Land $50,000 Building $109,300
2022	$2,249.00	$141,600 Land $45,000 Building $96,600	$141,600 Land $45,000 Building $96,600

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 12 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	12 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 Risk	Low lower than 67% of the US · lower than 92% of Florida
Wildfire Likelihood	0.03% 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 306 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