511 Missouri Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 511 Missouri Ave, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,425 sqft · built 1976
Lot Size	0.215 acres (9,365 sqft)
Owner	2 Individual Names on Record
Last Sale	$340,000 (Apr 2026)
Tax Bill	$3,658 (2025)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Apr 2026 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`01-26-30-0001-0018-0170`

Property Details

APN / Parcel Number

Primary APN	`01-26-30-0001-0018-0170`
Alternative APNs	`263001000100180170` `76661`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,425 sqft Living Area
Gross Area	1,569 sqft
1st Floor Area	1,425 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Architectural Style	Custom Design
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,365 sqft (0.215 acres)
Lot Dimensions	150 ft deep x 62.5 ft wide
Garage Type	Carport
Garage Area	200 sqft
Carport	Carport
Carport Area	200 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Florida Room
Porch Area	344 sqft
Shed	1 Shed
Shed Area	96 sqft

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	HVAC

Location & Zoning

Street Address	511 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 LOTS 17, 18 & S1/2 LOT 19 2-26-30
Legal Range	30E
Legal Township	26S
Legal Section	01
Legal Subdivision	ST CLOUD 2ND PLAT TOWN OF
Legal Tract	1
Legal Block	18
Legal Lot Number	17
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 July 2, 2026

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	511 MISSOURI AVE, SAINT CLOUD, FL 34769-2750
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants in Common

Deeds, Mortgages & Sale History

Date	Document
Apr 15, 2026	Warranty Deed, Transfer · Conventional Mortgage MORTGAGE FIRM
Apr 15, 2026	Warranty Deed, Transfer · Conventional Mortgage MORTGAGE FIRM
Apr 15, 2026	Warranty Deed, Transfer · Conventional Mortgage MORTGAGE MORTGAGE
Feb 6, 2026	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Mar 18, 2021	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Jan 28, 2020	Warranty Deed, Transfer · VA Mortgage USAA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 15, 2026 · Amount on Record
Deed Sale	Apr 15, 2026 · Amount on Record
Prior Sale	Feb 6, 2026 · Amount on Record
Deed Document Number	202649861
Deed Book / Page	6955 / 1901
Prior Transfer Date	Jan 16, 2021
Prior Transfer Doc	0059151181
Record Updated	Oct 29, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 15, 2026
Property Address	511 MISSOURI AVE, SAINT CLOUD, FL 34769-2750
Document Number	0000049861
Book / Page	6955 / 1901
Instrument Date	Apr 14, 2026
Instrument	2026.49861
Transaction Type	Transfer
Record Updated	Apr 27, 2026
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$240,380.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	511 MISSOURI AVE, SAINT CLOUD, FL 34769-2750

Mortgage

Document Number	0000049862,
Date	Apr 15, 2026
Instrument	2026..49862

Lender

Name	MORTGAGE FIRM

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6%
Initial Type	Fixed Rate
Max Rate	-1%

Mortgage

Document Number	0000049863,
Date	Apr 15, 2026
Book Page	6955/1917
Instrument	2026.49863

Lender

Name	FLORIDA HOUSING FINANCE CORP

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	30 Months
Due	May 1, 2056

Interest

Rate	6%
Max Rate	-1%

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 15, 2026
Property Address	511 MISSOURI AVE, SAINT CLOUD, FL 34769-2750
Document Number	0069551901
Book / Page	6955 / 1901
Instrument Date	Apr 14, 2026
Instrument	202649861
Transaction Type	Transfer
Record Updated	Jul 2, 2026
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$240,380.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	511 MISSOURI AVE, SAINT CLOUD, FL 34769-2750

Mortgage

Document Number	0000049862,
Date	Apr 15, 2026
Instrument	202649862

Lender

Name	MORTGAGE FIRM

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6%
Initial Type	Fixed Rate
Max Rate	-1%

Mortgage

Document Number	0000049863,
Date	Apr 15, 2026
Book Page	6955/1917
Instrument	202649863

Lender

Name	FLORIDA HOUSING FINANCE CORP

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	30 Months
Due	May 1, 2056

Interest

Rate	6%
Max Rate	-1%

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 15, 2026
Property Address	511 MISSOURI AVE, SAINT CLOUD, FL 34769-2750
Document Number	0000049861
Book / Page	6955 / 1901
Instrument Date	Apr 14, 2026
Instrument	202649861
Transaction Type	Transfer
Record Updated	Aug 24, 2026
Title Company	STEWART TITLE COMPANY (BA), STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$240,380.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	511 MISSOURI AVE, SAINT CLOUD, FL 34769-2750

Mortgage

Document Number	0000049862,
Date	Apr 15, 2026
Instrument	202649862

Lender

Name	MORTGAGE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

Mortgage

Document Number	0069551917,
Date	Apr 15, 2026
Book Page	6955/1917
Instrument	202649863

Lender

Name	HOUSING FINANCE CORPORATION FLORIDA

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Max Rate	-1%

February 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 6, 2026
Property Address	511 MISSOURI AVE, SAINT CLOUD, FL 34769-2750
Document Number	0069190238
Book / Page	6919 / 238
Map Reference	MB B PG 33-34
Instrument Date	Feb 3, 2026
Instrument	2026016676
Transaction Type	Transfer
Record Updated	Feb 20, 2026
Title Company	UNKNOWN, EXCELLENCE TTL PARTNERS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,855.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7222 W PORTLAND AVE, LITTLETON, CO 80128-4715

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2601 GREAT HERON AVE, HARMONY, FL 34773-6239

Mortgage

Document Number	0006919240
Date	Feb 6, 2026
Instrument	6919/240

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

March 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Mar 18, 2021
Property Address	511 MISSOURI AVE, SAINT CLOUD, FL 34769-2750
Document Number	0059151181
Book / Page	5915 / 1181
Map Reference	MB B PG 33&34
Instrument Date	Jan 16, 2021
Instrument	2021040558
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	511 MISSOURI AVE, SAINT CLOUD, FL 34769-2750

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 28, 2020
Property Address	511 MISSOURI AVE, SAINT CLOUD, FL 34769-2750
Document Number	0056642629
Book / Page	005664 / 002629
Instrument Date	Jan 27, 2020
Instrument	13543
Transaction Type	Transfer
Record Updated	Feb 21, 2020
Title Company	OTHER

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$700.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	511 MISSOURI AVE ST CLOUD FL 347692750, ST CLOUD, FL 34769-2750

Mortgage

Document Number	56642630
Date	Jan 28, 2020
Book Page	005664/002630
Instrument	13544

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 27, 2050

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 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	$3,658.00 (+2.64%) Homeowner's exemption Senior Citizen's exemption	$258,900 (+62.88%) Land $55,000 Building $203,900	$258,900 (+12.91%) Land $55,000 Building $203,900
2024	$3,564.00 (+69.47%)
2023	$2,103.00 (+4.06%) Homeowner's exemption	$158,951 (+3%)	$229,300 (+16.16%) Land $50,000 Building $179,300
2022	$2,021.00 Homeowner's exemption	$154,322	$197,400 Land $45,000 Building $152,400

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 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 80% of the US · lower than 93% 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 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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