Osceola County property record for 601 Montana Ave, Saint Cloud, FL 34769 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 1 Baths |
| Year Built | Built 1992 |
| Square Footage | 1,184 sqft Heated Area |
| Lot Size | 7,405 sqft (0.169 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $188,500 (2019) |
| Tax Bill | $3,429.00 (2025) |
| Primary APN | 76778 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Baths |
| Building Area | 1,184 sqft Heated Area |
| Gross Area | 1,254 sqft Gross Area |
| 1st Floor | 1,184 sqft 1st Floor |
| Stories | 1 Stories |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 1973 |
|---|---|
| Effective Year Built | Effective 1992 |
| Exterior Material | Concrete Block Exterior |
| Foundation Type | Footing Foundation |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 7,405 sqft (0.169 acres) |
| Depth X Width | 150 ft x 50 ft Depth x Width |
| Fence | Fence |
|---|---|
| Shed | 1 Shed |
| Shed Area | 80 sqft Shed |
| Porch | Open Porch |
| Porch Area | 70 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Account Number | 76778 |
|---|---|
| Street Address | 601 MONTANA AVE |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-3176 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | ST CLOUD PB B PG 34 BLK 31 LOTS 23 & 24 3/26/30 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD |
| Legal Tract | 1 |
| Legal Block | 31 |
| Legal Lot Number | 3,23-24 24 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 3 |
| Census Block | 3043 |
| Census Tract | 43400 |
Source: Osceola County records · APN 76778
Assessment roll updated July 1, 2025 · Last verified December 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 601 MONTANA AVE, SAINT CLOUD, FL 34769-3176 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Aug 10, 2022 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage HOME POINT FINANCIAL CORPORATION |
| Feb 13, 2017 | Deed of Trust, Mortgage · Line of Credit CENTRAL FLORIDA EDUCATORS FCU |
| Jun 25, 2019 | Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage BAY EQUITY |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jun 25, 2019 · Amount on Record |
| Deed Sale | Jun 25, 2019 · Amount on Record |
| Prior Sale | Dec 03, 2013 · Amount on Record |
| Deed Doc Number | 2019081587 |
| Deed Book / Page | 5546 / 2294 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 601 MONTANA AVE, SAINT CLOUD, FL 34769-3176 |
| Transaction Type | Mortgage |
| Record Updated | Aug 23, 2022 |
| Name | Verified Name |
|---|---|
| Address | 601 MONTANA AVE, SAINT CLOUD, FL 34769-3176 |
| Document Number | 0062662813 |
|---|---|
| Date | Aug 10, 2022 |
| Book Page | 6266/2813 |
| Instrument | 2022122814 |
| Name | HOME POINT FINANCIAL CORPORATION |
|---|---|
| Type | Mortgage Company |
| Address | ANN ARBOR, MI 48105 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 01, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 601 MONTANA AVE, SAINT CLOUD, FL 34769-3176 |
| Transaction Type | Mortgage |
| Record Updated | May 02, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0051020244 |
|---|---|
| Date | Feb 13, 2017 |
| Book Page | 5102/0244 |
| Instrument | 2017024685 |
| Name | CENTRAL FLORIDA EDUCATORS FCU |
|---|---|
| Type | Credit Union |
| Address | LAKE MARY, FL 32746 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 420 Months |
| Due | Feb 12, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jun 25, 2019 |
| Property Address | 601 MONTANA AVE, SAINT CLOUD, FL 34769-3176 |
| Document Number | 0055462294 |
| Book / Page | 005546 / 002294 |
| Instrument Date | Jun 21, 2019 |
| Instrument | 81587 |
| Transaction Type | Transfer |
| Record Updated | Jul 09, 2019 |
| Title Company | STEWART TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,319.50 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 601 MONTANA AVE ST CLOUD FL 347693176, ST CLOUD, FL 34769-3176 |
| Document Number | 55462295 |
|---|---|
| Date | Jun 25, 2019 |
| Book Page | 005546/002295 |
| Instrument | 81588 |
| Name | BAY EQUITY |
|---|---|
| Type | Funding / Finance Company |
| Address | SAUSALITO, CA 94965 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 24, 2049 |
| Document Number | 55462305, |
|---|---|
| Date | Jun 25, 2019 |
| Book Page | 005546/002305 |
| Instrument | 81589 |
| Name | BAY EQUITY |
|---|---|
| Type | Funding / Finance Company |
| Address | SAUSALITO, CA 94965 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jun 24, 2049 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,429.00 (+6.33%) Homeowner's exemption | $234,461 (+5.99%) | $262,900 (+9.36%) Land $46,800 Building $216,100 |
| 2023 | $3,225.00 (+5.91%) Homeowner's exemption | $221,218 (+4.79%) | $240,400 (+13.88%) Land $42,500 Building $197,900 |
| 2022 | $3,045.00 Homeowner's exemption | $211,100 Land $35,100 Building $176,000 | $211,100 Land $35,100 Building $176,000 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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