606 California Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 606 California Ave, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,120 sqft · built 1980
Lot Size	0.26 acres (11,326 sqft)
Owner	Individual Name on File
Last Sale	$294,000 (Jun 2023)
Tax Bill	$3,338 (2025)
Deeds & Mortgages	Jun 2023 Sale & Mortgage Feb 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`76808`

Property Details

APN / Parcel Number

Primary APN	`76808`
Alternative APN	`012630000100350040`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,120 sqft Heated Area
Gross Area	1,366 sqft
1st Floor Area	952 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1980
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	11,326 sqft (0.26 acres)
Lot Dimensions	150 ft deep x 75 ft wide

Exterior Amenities

Porch	Enclosed Porch
Porch Area	414 sqft
Fence	Fence
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	76808
Street Address	606 CALIFORNIA AVE
City	SAINT CLOUD
State	FL
Zip	34769-3121
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR2
Legal Description	ST CLOUD PB B PG 34 BLK 35 LOTS 4 THRU 6 03-26-30
Legal Range	30E
Legal Township	26S
Legal Section	01
Legal Subdivision	ST CLOUD
Legal Tract	1
Legal Block	35
Legal Lot Number	4-6 5
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3049
Census Tract	43400

Owner

606 California Ave is owned and occupied by an individual who bought it in June 2023.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	606 CALIFORNIA AVE, SAINT CLOUD, FL 34769-3121
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.

Deeds, Mortgages & Sale History

Date	Document
Jun 27, 2023	Warranty Deed, Transfer · FHA Mortgage CROSSCOUNTRY MORTGAGE LLC
Feb 28, 2018	Deed of Trust, Mortgage · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 27, 2023 · Amount on File
Deed Sale	Jun 27, 2023 · Amount on File
Prior Sale	Mar 10, 2011 · Amount on File
Deed Document Number	2023082832
Deed Book / Page	6431 / 1063
Record Updated	Jun 8, 2026

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 27, 2023
Property Address	606 CALIFORNIA AVE, SAINT CLOUD, FL 34769-3121
Document Number	0064311063
Book / Page	6431 / 1063
Map Reference	MB B PG 33&34
Instrument Date	Jun 23, 2023
Instrument	2023082832
Transaction Type	Transfer
Record Updated	Jul 17, 2023
Title Company	LAND TITLE PROFESSIONALS LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,058.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	606 CALIFORNIA AVE, SAINT CLOUD, FL 34769-3121

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	606 CALIFORNIA AVE, SAINT CLOUD, FL 34769-3121

Mortgage

Document Number	0064311065
Date	Jun 27, 2023
Instrument	6431/1065

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2053

Mortgage

Document Number	0064311076
Date	Jun 27, 2023
Book Page	6431/1076
Instrument	2023082834

Lender

Name	OSCEOLA COUNTY HUMAN SERVICES
Type	Non-Lending Institution
Address	KISSIMMEE, FL 34741

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	606 CALIFORNIA AVE, SAINT CLOUD, FL 34769-3121
Transaction Type	Mortgage
Record Updated	Jun 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0052930554
Date	Feb 28, 2018
Book Page	5293/0554
Instrument	2018034198

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC
Type	Mortgage Company
Address	VIRGINIA BEACH, VA 23452

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 606 California Ave was $3,338 with a homeowner's exemption.

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	$3,338.00 Homeowner's exemption	$229,400 Land $55,000 Building $174,400	$229,400 Land $55,000 Building $174,400
2023	$715.00 (+6.24%) Homeowner's exemption	$81,871 (+3%)	$202,600 (+16.57%) Land $50,000 Building $152,600
2022	$673.00 Homeowner's exemption	$79,487	$173,800 Land $45,000 Building $128,800

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 606 California Ave in Zone X, an area of minimal flood risk, though there have been 24 flood claims nearby since 1994.

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 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

Wildfire risk around 606 California Ave is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 96% of Florida
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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 439 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	8,000 / 8,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Hotwire Communications.

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