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615 Georgia Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 615 Georgia Ave, Saint Cloud, FL 34769 · Last verified July 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 3 ba · 1,332 sqft · built 1964
Lot Size0.258 acres (11,238 sqft)
Owner2 Individual Names on File
Last Sale$2,576 (Aug 2024)
Tax Bill$4,716 (2025)
Deeds & MortgagesDec 2020 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN01-26-30-0001-0033-0190

Property Details

APN / Parcel Number

Primary APN01-26-30-0001-0033-0190
Alternative APNs
  • 263001000100330190
  • 76795

Interior

Bedrooms3 Beds
Full Baths3 Baths
Stories1 Story
Building Area1,332 sqft Living Area
Gross Area1,668 sqft
1st Floor Area1,332 sqft
FlooringTile
Interior WallsPlaster

Exterior

Year BuiltBuilt 1964
Effective Year BuiltEffective 1994
Architectural StyleConventional
Exterior MaterialConcrete Block
Construction TypeMasonry / Concrete Block
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area11,238 sqft (0.258 acres)
Lot Dimensions150 ft deep x 75 ft wide
Garage TypeCarport
Garage Area204 sqft
CarportCarport
Carport Area204 sqft

Exterior Amenities

Pool TypeIn-Ground Pool
Pool Area360 sqft
PorchMetal Porch
Porch Area612 sqft
Deck Area360 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address615 GEORGIA AVE
CitySAINT CLOUD
StateFL
Zip34769-3168
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionST CLOUD PB B PG 34 BLK 33 LOTS 19 THRU 21 3/26/30
Legal Range30E
Legal Township26S
Legal Section01
Legal SubdivisionST CLOUD 2ND PLAT TOWN OF
Legal Tract1
Legal Block33
Legal Lot Number19
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group3
Census Block3051
Census Tract43400

Owner

Source: Osceola County records · APN 01-26-30-0001-0033-0190

Assessment roll updated November 26, 2025 · Last verified July 2026

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

Owner of Record2 Individual Names on File
Mailing Address3174 WATERBRIDGE LN, KISSIMMEE, FL 34744-9236
Owner TypeIndividual
VestingHusband and Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleAug 14, 2024 · Amount on Record
Deed SaleAug 14, 2024 · Amount on Record
Prior SaleDec 02, 2020 · Amount on Record
Deed Document Number2024105559
Deed Book / Page6649 / 1660
Prior Transfer DateAug 10, 2001
Prior Transfer Doc0019280110
Record UpdatedSep 20, 2026

December 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateDec 02, 2020
Property Address615 GEORGIA AVE, SAINT CLOUD, FL 34769-3168
Document Number0058430538
Book / Page5843 / 538
Map ReferenceMB B PG 33&34
Instrument DateDec 01, 2020
Instrument2020163558
Transaction TypeTransfer
Record UpdatedFeb 08, 2022
Title CompanyATTORNEY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,624.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address500 WYOMING AVE, 500, SAINT CLOUD, FL 34769-3080

Transferred To (Grantee/Buyer)

NameVerified Name
Address615 GEORGIA AVE, SAINT CLOUD, FL 34769-3168

Mortgage

Document Number0005843541
DateDec 02, 2020
Instrument5843/541
Lender
NameEMBRACE HOME LOANS INC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJan 01, 2051

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2025$4,716.00 (+57.46%)$306,400 (+50.19%) Land $55,000 Building $251,400$306,400 (+12.11%) Land $55,000 Building $251,400
2024$2,995.00 (+2.74%)
2023$2,915.00 (+3.74%) Homeowner's exemption$204,011 (+3%)$273,300 (+15.12%) Land $50,000 Building $223,300
2022$2,810.00 Homeowner's exemption$198,069$237,400 Land $45,000 Building $192,400

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 120970434003, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 98 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies110 units insured
12 under condo master policies
Nearby Flood Claims24 (1994–2022)
Claims Outside the SFHA3 of 24
Most Recent ClaimSep 2022, river or lake flooding, Hurricane Ian
Claims By Storm
  • Hurricane Ian, Sep 2022 · 4 claims
  • Hurricane Ian, Sep 2022 · 2 claims
  • Hurricane Frances, Sep 2004 · 3 claims

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
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 539 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
Lumen TechnologiesFiber8,000 / 8,000
SpectrumCable1,000 / 1,000
StarlinkSatellite (low-earth orbit)280 / 30

May also be available at this address: Verizon, AT&T, Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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