Osceola County property record for 615 Pennsylvania Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,224 sqft · built 1910 |
| Lot Size | 0.198 acres (8,624 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $56,500 (Apr 1999) |
| Tax Bill | $510 (2025) |
| Deeds & Mortgages | Mar 2026 Second Mortgage Mar 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-26-30-0001-0047-0170 |
| Primary APN | 01-26-30-0001-0047-0170 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,224 sqft Living Area |
| Gross Area | 2,196 sqft |
| 1st Floor Area | 1,224 sqft |
| Flooring | Wood |
| Interior Walls | Plaster |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1960 |
| Architectural Style | L-Shape |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Foundation Type | Pier/Post & Beam |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 8,624 sqft (0.198 acres) |
| Lot Dimensions | 150 ft deep x 55 ft wide |
| Garage Type | Detached |
| Garage Area | 216 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Enclosed/Finished Porch |
| Porch Area | 576 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Central |
| Street Address | 615 PENNSYLVANIA AVE |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-2886 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR2 |
| Legal Description | ST CLOUD PB B PG 34 BLK 47 LOT 17 & N 15 FT LOT 16 & S 17.5 FT LOT 18 2/26/30 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD 2ND PLAT TOWN OF |
| Legal Tract | 1 |
| Legal Block | 47 |
| Legal Lot Number | 17 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1028 |
| Census Tract | 43500 |
615 Pennsylvania Ave is owned and occupied by two individuals who acquired it in February 2021.
Source: Osceola County records, as of March 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 615 PENNSYLVANIA AVE, SAINT CLOUD, FL 34769-2886 |
| 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.
| Date | Document |
|---|---|
| Mar 11, 2026 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC |
| Mar 1, 2021 | Intrafamily Transfer, Transfer · Conventional Mortgage HOME POINT FINANCIAL CORPORATION |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 12, 1999 · Amount on File |
| Deed Sale | Apr 12, 1999 · Amount on File |
| Prior Sale | May 28, 1998 |
| Deed Book / Page | 1603 / 1627 |
| Last Transfer Date | Feb 22, 2021 |
| Transfer Doc | 0059000638 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 615 PENNSYLVANIA AVE, SAINT CLOUD, FL 34769-2886 |
| Transaction Type | Mortgage |
| Record Updated | Mar 25, 2026 |
| Name | Verified Name |
|---|---|
| Address | 615 PENNSYLVANIA AVE, SAINT CLOUD, FL 34769-2886 |
| Document Number | 0069350247 |
|---|---|
| Date | Mar 11, 2026 |
| Book Page | 6935/247 |
| Instrument | 2026031500 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Apr 1, 2046 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Mar 1, 2021 |
| Property Address | 615 PENNSYLVANIA AVE, SAINT CLOUD, FL 34769-2886 |
| Document Number | 0059000638 |
| Book / Page | 5900 / 638 |
| Map Reference | MB B PG 33&34 |
| Instrument Date | Feb 22, 2021 |
| Instrument | 2021028966 |
| Transaction Type | Transfer |
| Record Updated | Feb 8, 2022 |
| Title Company | STEWART TITLE COMPANY-F, STEWART TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 15 PENNSYLVANIA AVE, SAINT CLOUD, FL 34769-2376 |
| Document Number | 0005900639 |
|---|---|
| Date | Mar 1, 2021 |
| Instrument | 5900/639 |
| Name | HOME POINT FINANCIAL CORPORATION |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Mar 1, 2041 |
The 2025 property tax bill for 615 Pennsylvania Ave was $510 with a homeowner's exemption, up 2% from the year before.
Source: Osceola County assessment roll, as of November 26, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $510.00 (+2%) Homeowner's exemption | $61,050 | $176,600 Land $46,800 Building $129,800 |
| 2024 | $500.00 (+0.81%) | ||
| 2023 | $496.00 (+1.85%) Homeowner's exemption | $57,602 (+3%) | $156,600 (+12.58%) Land $42,500 Building $114,100 |
| 2022 | $487.00 Homeowner's exemption | $55,925 | $139,100 Land $38,200 Building $100,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 615 Pennsylvania Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim 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 17 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 17 in force |
| Nearby Flood Claims | 1 (1994) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Nov 1994 · rainfall accumulation |
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 risk around 615 Pennsylvania 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 80% of the US · lower than 93% of Florida |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 526 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CenturyLink Fiber | 8,000 / 8,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures