Osceola County property record for 518 Mississippi Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,288 sqft · built 1996 |
| Lot Size | 0.169 acres (7,405 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $974 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 76485 |
| Primary APN | 76485 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,288 sqft Heated Area |
| Gross Area | 1,870 sqft |
| 1st Floor Area | 1,288 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1996 |
|---|---|
| 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 | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 162 sqft |
| Shed | 1 Shed |
| Shed Area | 120 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 76485 |
|---|---|
| Street Address | 518 MISSISSIPPI AVE |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-3052 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR2 |
| Legal Description | ST CLOUD PB B PGS 33-34 BLK 1 LOTS 6-7 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD |
| Legal Tract | 1 |
| Legal Block | 1 |
| Legal Lot Number | 6-7 7 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 5 |
| Census Block | 5031 |
| Census Tract | 43500 |
518 Mississippi Ave is owned and occupied by an individual who acquired it in November 2017.
Source: Osceola County records, as of December 11, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 518 MISSISSIPPI AVE, SAINT CLOUD, FL 34769-3052 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 27, 2017 |
| Deed Sale | Nov 27, 2017 |
| Prior Sale | Nov 4, 1996 · Amount on File |
| Deed Book / Page | 01358 / 02884 |
| Prior Transfer Date | Dec 20, 1996 |
| Prior Transfer Doc | 0136900399 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 518 Mississippi Ave was $974 with exemptions applied.
Source: Osceola County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $974.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption Widower's exemption | $107,322 | $272,200 Land $46,800 Building $225,400 |
| 2023 | $841.00 (-3.44%) Homeowner's exemption Disabled Person's exemption Veteran's exemption Widower's exemption | $98,844 (+3%) | $240,900 (+18.09%) Land $42,500 Building $198,400 |
| 2022 | $871.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption Widower's exemption | $95,966 | $204,000 Land $35,100 Building $168,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 518 Mississippi Ave in Zone X, an area of minimal flood risk.
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 File median of 51 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 51 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 risk around 518 Mississippi Ave is low, with a 0.05% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 63% of the US · lower than 89% of Florida |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 384 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CenturyLink Fiber | 2,000 / 1,000 |
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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