601 Georgia Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 601 Georgia Ave, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,300 sqft · built 1980
Lot Size	0.258 acres (11,238 sqft)
Owner	2 Individual Names on Record
Last Sale	$335,000 (May 2023)
Tax Bill	$4,765 (2025)
Deeds & Mortgages	May 2023 Sale & Mortgage May 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`01-26-30-0001-0033-0220`

Property Details

APN / Parcel Number

Primary APN	`01-26-30-0001-0033-0220`
Alternative APNs	`263001000100330220` `76796`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,300 sqft Living Area
Gross Area	2,048 sqft
1st Floor Area	1,300 sqft
Flooring	Carpet
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
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	11,238 sqft (0.258 acres)
Lot Dimensions	150 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	350 sqft
Parking Spaces	1 Parking Space
Porch	Screened/Unfinished Porch
Porch Area	398 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	601 GEORGIA AVE
City	SAINT CLOUD
State	FL
Zip	34769-3168
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR2
Legal Description	ST CLOUD PB B PG 34 BLK 33 LOTS 22-24 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	33
Legal Lot Number	22
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3051
Census Tract	43400

Owner

Source: Osceola County records, as of September 18, 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	820 N A ST, WELLINGTON, KS 67152-4116
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
May 18, 2023	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
May 5, 2021	Warranty Deed, Transfer · Conventional Mortgage THE MORTGAGE FIRM INC
Mar 19, 2018	Warranty Deed, Transfer · FHA Mortgage RESIDENTIAL ACCPTNC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 18, 2023 · Amount on Record
Deed Sale	May 18, 2023 · Amount on Record
Prior Sale	May 5, 2021 · Amount on Record
Deed Document Number	202363543
Deed Book / Page	6409 / 700
Prior Transfer Date	Dec 17, 2020
Prior Transfer Doc	0058652653
Record Updated	Oct 29, 2026

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 18, 2023
Property Address	601 GEORGIA AVE, SAINT CLOUD, FL 34769-3168
Document Number	0064090700
Book / Page	6409 / 700
Map Reference	MB B PG 33
Instrument Date	May 15, 2023
Instrument	2023063543
Transaction Type	Transfer
Record Updated	Jun 5, 2023
Title Company	PUBLIC TITLE SERVICES LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,345.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6505 COTTAGE LN, SAINT CLOUD, FL 34771-8803

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	820 N A ST, WELLINGTON, KS 67152-4116

Mortgage

Document Number	0006409702
Date	May 18, 2023
Instrument	6409/702

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2053

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 5, 2021
Property Address	601 GEORGIA AVE, SAINT CLOUD, FL 34769-3168
Document Number	0059511968
Book / Page	5951 / 1968
Map Reference	MB B PG 33
Instrument Date	May 3, 2021
Instrument	2021069161
Transaction Type	Transfer
Record Updated	May 26, 2021
Title Company	OLD TAMPA BAY TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,883.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	117 BROADWAY, 117, KISSIMMEE, FL 34741-5713

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	601 GEORGIA AVE, SAINT CLOUD, FL 34769-3168

Mortgage

Document Number	59511970
Date	May 5, 2021
Instrument	5951/1970

Lender

Name	THE MORTGAGE FIRM INC
Type	Mortgage Company

Agreement

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

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 19, 2018
Property Address	601 GEORGIA AVE, SAINT CLOUD, FL 34769-3168
Document Number	0053030858
Book / Page	005303 / 000858
Instrument Date	Mar 15, 2018
Instrument	44167
Transaction Type	Transfer
Record Updated	Apr 16, 2018
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,015.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	601 GEORGIA AVE ST CLOUD FL 347693168, ST CLOUD, FL 34769-3168

Mortgage

Document Number	53030859
Date	Mar 19, 2018
Book Page	005303/000859
Instrument	44168

Lender

Name	RESIDENTIAL ACCPTNC
Address	TAMPA, FL 33607

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 18, 2048

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	$4,765.00 (-6.11%) Homeowner's exemption	$309,100 (+9.57%) Land $55,000 Building $254,100	$309,100 (+9.57%) Land $55,000 Building $254,100
2023	$5,075.00 (+10.02%)	$282,100 (+10.28%) Land $50,000 Building $232,100	$282,100 (+10.28%) Land $50,000 Building $232,100
2022	$4,613.00	$255,800 Land $45,000 Building $210,800	$255,800 Land $45,000 Building $210,800

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.

Nearby Properties on Georgia Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures