605 Avocado St, Saint Cloud, FL 34769 Property Records

Osceola County property record for 605 Avocado St, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,704 sqft · built 1971
Lot Size	0.269 acres (11,761 sqft)
Owner	Owner Name on Record
Last Sale	$139,900 (Nov 2002)
Tax Bill	$940 (2025)
Deeds & Mortgages	Feb 2017 Loan Modification
Flood Zone	Zone X (moderate risk)
APN	`82478`

Property Details

APN / Parcel Number

Primary APN	`82478`
Alternative APN	`042630090000010200`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,704 sqft Heated Area
Gross Area	2,208 sqft
1st Floor Area	1,704 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1980
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	11,761 sqft (0.269 acres)
Lot Dimensions	125 ft deep x 90 ft wide
Garage Type	Finished
Garage Area	504 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	82478
Street Address	605 AVOCADO ST
City	SAINT CLOUD
State	FL
Zip	34769-1651
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR1
Legal Description	PINE LAKE ESTATES UNIT 1 PB 2 PG 58 LOT 20 & LESS W 10 FT 09-26-30
Legal Range	30E
Legal Township	26S
Legal Section	04
Legal Subdivision	PINE LAKE ESTATE
Legal Tract	900
Legal Block	1
Legal Lot Number	20
Legal Unit	1P
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1000
Census Tract	43208

Owner

Source: Osceola County records, as of December 11, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Owner Name on Record
Mailing Address	605 AVOCADO ST, SAINT CLOUD, FL 34769-1651
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 15, 2002 · Amount on Record
Deed Sale	Nov 15, 2002 · Amount on Record
Prior Sale	Nov 15, 2002 · Amount on Record
Deed Document Number	0214600911
Deed Book / Page	02146 / 00911
Record Updated	Jun 8, 2026

February 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OSCEOLA FL
Property Address	605 AVOCADO ST, SAINT CLOUD, FL 34769-1651
Document Number	0051100010
Book / Page	005110 / 000010
Instrument Date	Feb 3, 2017
Transaction Type	Mortgage
Record Updated	Apr 10, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	605 AVOCADO ST ST CLOUD FL 347691651, ST CLOUD, FL 34769-1651

Mortgage

Document Number	0051100010
Date	Mar 1, 2017
Book Page	005110/000010
Instrument	32897

Lender

Name	SPECIALIZED LN SERVICING
Type	Funding / Finance Company
Address	HIGHLANDS RANCH, CO 80129

Agreement

Amount	Amount Recorded
Term	396 Months
Due	Feb 28, 2050

Interest

Rate Type	Fixed Rate
Rate	3%

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 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	$940.00 (-0.21%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$105,407 (+5.99%)	$289,600 (-2.66%) Land $65,000 Building $224,600
2023	$942.00 (-2.99%) Homeowner's exemption Disabled Person's exemption	$99,454 (+3%)	$297,500 (+16.58%) Land $60,000 Building $237,500
2022	$971.00 Homeowner's exemption Disabled Person's exemption	$96,558	$255,200 Land $55,000 Building $200,200

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 29 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	35 units insured incl. 6 condo units

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 67% of the US · lower than 92% 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 350 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Starlink Satellite	280 / 30
CenturyLink DSL · Fiber in parts of the area	140 / 20

May also be available: Hotwire Communications, T-Mobile, Verizon.

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