621 Avocado St, Saint Cloud, FL 34769 Property Records

Osceola County property record for 621 Avocado St, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,926 sqft · built 1971
Lot Size	0.351 acres (15,333 sqft)
Owner	2 Individual Names on Record
Last Sale	$425,000 (Jul 2025)
Tax Bill	$3,707 (2025)
Deeds & Mortgages	May 2023 Sale & Mortgage Oct 2019 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`82486`

Property Details

APN / Parcel Number

Primary APN	`82486`
Alternative APN	`042630090000010280`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,926 sqft Heated Area
Gross Area	2,606 sqft
1st Floor Area	1,926 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1971
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	15,333 sqft (0.351 acres)
Lot Dimensions	148 ft deep x 91 ft wide
Garage Type	Finished
Garage Area	638 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	360 sqft
Porch	Open Porch
Porch Area	42 sqft
Deck Area	750 sqft
Fence	Fence
Shed	1 Shed
Shed Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	82486
Street Address	621 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 28 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	9,28 9
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	2 Individual Names on Record
Co-owner	Co-owner on Record
Mailing Address	13220 GALICIA ST APT 206, 206, ORLANDO, FL 32824-9447
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 2, 2023	Warranty Deed, Transfer · Conventional Mortgage CMG MORTGAGE INC
Oct 4, 2019	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Dec 10, 2020	Deed of Trust, Mortgage · Conventional Mortgage BROKER SOLUTIONS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 2, 2025 · Amount on Record
Deed Sale	Jul 2, 2025 · Amount on Record
Prior Sale	Oct 10, 2011 · Amount on Record
Deed Document Number	0006814581
Deed Book / Page	6399 / 1460
Prior Transfer Date	May 2, 2023
Prior Transfer Doc	2023054856
Record Updated	Jun 8, 2026

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 2, 2023
Property Address	621 AVOCADO ST, SAINT CLOUD, FL 34769-1651
Document Number	0063991460
Book / Page	6399 / 1460
Map Reference	MB 2 PG 58
Instrument Date	May 1, 2023
Instrument	2023054856
Transaction Type	Transfer
Record Updated	May 24, 2023
Title Company	APIARY TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,115.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	204 ALMADEN CT, WINTER SPRINGS, FL 32708-3009

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	621 AVOCADO ST, SAINT CLOUD, FL 34769-1651

Mortgage

Document Number	0063991462
Date	May 2, 2023
Instrument	6399/1462

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2053

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	621 AVOCADO ST, SAINT CLOUD, FL 34769-1651
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0056002486
Date	Oct 4, 2019
Book Page	5600/2486
Instrument	2019128560

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2049

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	621 AVOCADO ST, SAINT CLOUD, FL 34769-1651
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	621 AVOCADO ST, SAINT CLOUD, FL 34769-1651

Mortgage

Document Number	0058490728
Date	Dec 10, 2020
Book Page	5849/728
Instrument	2020168202

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company
Address	TUSTIN, CA 92780

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

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	$3,707.00 (+164.97%) Homeowner's exemption	$249,981 (+108.63%)	$332,300 (-2.38%) Land $65,000 Building $267,300
2023	$1,399.00 (+4.64%) Homeowner's exemption	$119,819 (+3%)	$340,400 (+15.63%) Land $60,000 Building $280,400
2022	$1,337.00 Homeowner's exemption	$116,330	$294,400 Land $55,000 Building $239,400

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

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 100 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 95% of the US · lower than 95% of Florida
Wildfire Likelihood	0.02% 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 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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