513 Columbia Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 513 Columbia Ave, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,442 sqft · built 1980
Lot Size	0.173 acres (7,535 sqft)
Owner	2 Individual Names on Record
Last Sale	$209,900 (Oct 2019)
Tax Bill	$2,973 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Oct 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`01-26-30-0001-0029-0180`

Property Details

APN / Parcel Number

Primary APN	`01-26-30-0001-0029-0180`
Alternative APNs	`263001000100290180` `76758`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,442 sqft Living Area
Gross Area	1,458 sqft
1st Floor Area	1,117 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1990
Architectural Style	Conventional
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,535 sqft (0.173 acres)
Lot Dimensions	127 ft deep x 56.3 ft wide
Garage Area	325 sqft
Porch	Florida Room
Porch Area	503 sqft

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	HVAC

Location & Zoning

Street Address	513 COLUMBIA AVE
City	SAINT CLOUD
State	FL
Zip	34769-3101
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR2
Legal Description	ST CLOUD PB B PG 33 BLK 29 LOTS 18 & 19 & S 6.33 FT LOT 20 3/26/30
Legal Range	30E
Legal Township	26S
Legal Section	01
Legal Subdivision	ST CLOUD 2ND PLAT TOWN OF
Legal Tract	1
Legal Block	29
Legal Lot Number	18
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3041
Census Tract	43400

Owner

Source: Osceola County records, as of November 26, 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	513 COLUMBIA AVE, SAINT CLOUD, FL 34769-3101
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN PACIFIC MORTGAGE CORP
Oct 11, 2019	Warranty Deed, Transfer · FHA Mortgage HAMILTON GROUP FUNDING INC
Mar 10, 2020	Correction Deed PUBLIC TITLE SERVICES LLC, PUBLIC TITLE SVCS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 11, 2019 · Amount on Record
Deed Sale	Oct 11, 2019 · Amount on Record
Prior Sale	Feb 2, 1999 · Amount on Record
Deed Document Number	2019131805
Deed Book / Page	5604 / 2138
Prior Transfer Date	Oct 3, 2019
Prior Transfer Doc	0056042136
Record Updated	Jun 8, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	513 COLUMBIA AVE, SAINT CLOUD, FL 34769-3101
Transaction Type	Mortgage
Record Updated	Jul 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	513 COLUMBIA AVE, SAINT CLOUD, FL 34769-3101

Mortgage

Document Number	0059002465
Date	Mar 1, 2021
Book Page	5900/2465
Instrument	2021029361

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company
Address	ROSEVILLE, CA 95661

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2051

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 11, 2019
Property Address	513 COLUMBIA AVE, SAINT CLOUD, FL 34769-3101
Document Number	0056042138
Book / Page	5604 / 2138
Map Reference	MB B PG 33&34
Instrument Date	Oct 7, 2019
Instrument	2019131805
Transaction Type	Transfer
Record Updated	Aug 1, 2022
Title Company	PUBLIC TITLE SERVICES LLC

Transaction

Amount	Amount Recorded
Tax	$1,469.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	513 COLUMBIA AVE, 513, SAINT CLOUD, FL 34769-3101

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1011 MARYLAND AVE, SAINT CLOUD, FL 34769-3826

Mortgage

Document Number	0056042155
Date	Oct 11, 2019
Instrument	5604/2155

Lender

Name	HAMILTON GROUP FUNDING INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2049

Mortgage

Document Number	0056042144
Date	Oct 11, 2019
Book Page	5604/2144
Instrument	2019131806

Lender

Name	HAMILTON GROUP FUNDING INC
Type	Mortgage Company
Address	FORT LAUDERDALE, FL 33323

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2049

March 2020: Correction Deed

Document Type	Correction Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 10, 2020
Property Address	513 COLUMBIA AVE, SAINT CLOUD, FL 34769-3101
Document Number	0056891477
Book / Page	005689 / 001477
Instrument Date	Oct 7, 2019
Instrument	34795
Record Updated	May 22, 2020
Title Company	PUBLIC TITLE SERVICES LLC, PUBLIC TITLE SVCS LLC

Transaction

Amount	Amount Recorded
Tax	$1,469.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1011 MARYLAND AVE ST CLOUD FL 347693826, ST CLOUD, FL 34769-3826

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	$2,973.00 (+3.59%) Homeowner's exemption	$208,988 (+5.99%)	$301,500 (+9.68%) Land $46,800 Building $254,700
2024	$2,870.00 (+2.79%)
2023	$2,792.00 (+3.79%) Homeowner's exemption	$197,184 (+3%)	$274,900 (+11.75%) Land $42,500 Building $232,400
2022	$2,690.00 Homeowner's exemption	$191,441	$246,000 Land $35,100 Building $210,900

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 95% of the US · lower than 95% of Florida
Wildfire Likelihood	0.02% 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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