615 Avocado St, Saint Cloud, FL 34769 Property Records

Osceola County property record for 615 Avocado St, Saint Cloud, FL 34769 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,232 sqft · built 1972
Lot Size	0.417 acres (18,164 sqft)
Owner	2 Individual Names on File
Last Sale	$325,000 (Jun 2026)
Tax Bill	$1,951 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`04-26-30-0900-0001-0250`

Property Details

APN / Parcel Number

Primary APN	`04-26-30-0900-0001-0250`
Alternative APNs	`263004090000010250` `82483`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,232 sqft Living Area
Gross Area	3,359 sqft
1st Floor Area	2,232 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1990
Architectural Style	Conventional
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	18,164 sqft (0.417 acres)
Lot Dimensions	174 ft deep x 105 ft wide
Garage Type	Attached
Garage Area	575 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	544 sqft
Porch	Florida Room
Porch Area	552 sqft
Deck Area	590 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	615 AVOCADO ST
City	SAINT CLOUD
State	FL
Zip	34769-1651
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PINE LAKE ESTATES UNIT 1 PB 2 PG 58 LOT 25 09-26-30
Legal Range	30E
Legal Township	26S
Legal Section	04
Legal Subdivision	PINE LAKE ESTATES UNIT 1
Legal Tract	900
Legal Block	250
Legal Lot Number	25
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 · APN 04-26-30-0900-0001-0250

Assessment roll updated November 26, 2025 · Last verified August 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 File
Mailing Address	615 AVOCADO ST, SAINT CLOUD, FL 34769-1651
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 18, 2026 · Amount on Record
Deed Sale	Jun 18, 2026 · Amount on Record
Prior Sale	Oct 27, 2003 · Amount on Record
Deed Document Number	202680582
Deed Book / Page	6990 / 1697
Record Updated	Sep 20, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 18, 2026
Property Address	615 AVOCADO ST, SAINT CLOUD, FL 34769-1651
Document Number	0000080582
Book / Page	6990 / 1697
Instrument Date	Jun 18, 2026
Instrument	202680582
Transaction Type	Transfer
Record Updated	Jun 26, 2026
Title Company	CROSSCOUNTRY MORTGAGE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$229,775.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	615 AVOCADO ST, SAINT CLOUD, FL 34769-1651

Mortgage

Document Number	0000080583,
Date	Jun 18, 2026
Instrument	202680583

Lender

Name	CROSSCOUNTRY MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 01, 2056

Interest

Rate Type	Fixed Rate
Rate	6.37%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified August 2026

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

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,951.00 (+3.83%) Homeowner's exemption	$151,885 (+5.99%)	$386,200 (-3.64%) Land $65,000 Building $321,200
2024	$1,879.00 (+3.19%)
2023	$1,821.00 (+4.18%) Homeowner's exemption	$143,306 (+3%)	$400,800 (+15.67%) Land $60,000 Building $340,800
2022	$1,748.00 Homeowner's exemption	$139,133	$346,500 Land $55,000 Building $291,500

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970432081, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE
Special Flood Hazard Area	Yes
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required (federally backed mortgages)
Flood Insurance Cost	Premium on Record median of 29 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	35 units insured 6 under condo master policies

Wildfire

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; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 350 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000
Lumen Technologies	DSL	140 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: T-Mobile USA, Verizon, Lumen Technologies, Hotwire Communications, Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.