Osceola County property record for 622 Pennsylvania Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 6 bd · 3 ba · 2,493 sqft · built 1909 |
| Lot Size | 0.293 acres (12,763 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $278,000 (Dec 2019) |
| Tax Bill | $3,734 (2025) |
| Deeds & Mortgages | Jun 2023 Second Mortgage Aug 2021 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-26-30-0001-0046-0090 |
| Primary APN | 01-26-30-0001-0046-0090 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,493 sqft Living Area |
| Gross Area | 3,245 sqft |
| 1st Floor Area | 1,667 sqft |
| Upper Floors Area | 826 sqft |
| Flooring | Wood |
| Interior Walls | Plaster |
| Year Built | Built 1909 |
|---|---|
| Effective Year Built | Effective 1989 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 12,763 sqft (0.293 acres) |
| Lot Dimensions | 150 ft deep x 0.9 ft wide |
| Garage Type | Carport |
| Garage Area | 240 sqft |
| Carport | Carport |
| Carport Area | 240 sqft |
| Porch | Finished/Open Porch |
|---|---|
| Porch Area | 752 sqft |
| Patio Area | 270 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 622 PENNSYLVANIA AVE |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-2887 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR2 |
| Legal Description | ST CLOUD PB B PG 34 BLK 46 S 10 FT LOT 9 & ALL LOTS 10, 11 & 12 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 | 46 |
| Legal Lot Number | 9 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1027 |
| Census Tract | 43500 |
622 Pennsylvania Ave is owner-occupied and held in a trust since September 2020.
Source: Osceola County records, as of November 26, 2025
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 622 PENNSYLVANIA AVE, SAINT CLOUD, FL 34769-2887 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
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 |
|---|---|
| Jun 23, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage FAIRWINDS CU |
| Aug 9, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB |
| Sep 30, 2020 | Quit Claim Deed, Transfer NOT AVAILABLE |
| Dec 9, 2019 | Warranty Deed, Transfer · Conventional Mortgage ALKAN MORTGAGE CORP |
| Apr 24, 2018 | Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 9, 2019 · Amount on File |
| Deed Sale | Dec 9, 2019 · Amount on File |
| Prior Sale | Aug 24, 2016 · Amount on File |
| Deed Document Number | 2019158990 |
| Deed Book / Page | 5636 / 2575 |
| Last Transfer Date | Sep 29, 2020 |
| Transfer Doc | 0058030808 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 622 PENNSYLVANIA AVE, SAINT CLOUD, FL 34769-2887 |
| Transaction Type | Mortgage |
| Record Updated | Jul 11, 2023 |
| Title Company | MORTGAGE TITLE SERVICES INC, MORTGAGEE TITLE SERVICES INC |
| Name | Verified Name |
|---|---|
| Address | 622 PENNSYLVANIA AVE, SAINT CLOUD, FL 34769-2887 |
| Document Number | 0064300871 |
|---|---|
| Date | Jun 23, 2023 |
| Book Page | 6430/871 |
| Instrument | 2023081772 |
| Name | FAIRWINDS CU |
|---|---|
| Type | Credit Union |
| Address | ORLANDO, FL 32826 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Jul 1, 2038 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 622 PENNSYLVANIA AVE, SAINT CLOUD, FL 34769-2887 |
| Transaction Type | Mortgage |
| Record Updated | Aug 20, 2021 |
| Name | Verified Name |
|---|---|
| Address | 622 PENNSYLVANIA AVE, SAINT CLOUD, FL 34769-2887 |
| Document Number | 0060181017 |
|---|---|
| Date | Aug 9, 2021 |
| Book Page | 6018/1017 |
| Instrument | 2021122490 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Address | TROY, MI 48098 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Sep 30, 2020 |
| Property Address | 622 PENNSYLVANIA AVE, SAINT CLOUD, FL 34769-2887 |
| Document Number | 0058030808 |
| Book / Page | 005803 / 000808 |
| Instrument Date | Sep 29, 2020 |
| Instrument | 130987 |
| Transaction Type | Transfer |
| Record Updated | Oct 22, 2020 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 622 PENNSYLVANIA AVE ST CLOUD FL 347692887, ST CLOUD, FL 34769-2887 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Dec 9, 2019 |
| Property Address | 622 PENNSYLVANIA AVE, SAINT CLOUD, FL 34769-2887 |
| Document Number | 0056362575 |
| Book / Page | 5636 / 2575 |
| Map Reference | MB B PG 33&34 |
| Instrument Date | Dec 5, 2019 |
| Instrument | 2019158990 |
| Transaction Type | Transfer |
| Record Updated | Feb 8, 2022 |
| Title Company | CHAMPION TITLE & CLOSING |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,946.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 514 MASSCHUEITS AVNEUE, 514, SAINT CLOUD, FL 34769 |
| Name | Verified Name |
|---|---|
| Address | 622 PENNSYLVANIA AVE, SAINT CLOUD, FL 34769-2887 |
| Document Number | 0056362577 |
|---|---|
| Date | Dec 9, 2019 |
| Instrument | 5636/2577 |
| Name | ALKAN MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 622 PENNSYLVANIA AVE, SAINT CLOUD, FL 34769-2887 |
| Document Number | 0053411966 |
| Instrument Date | Apr 24, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jun 20, 2018 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 820 FOLLIN LN SE VIENNA VA 221804907, VIENNA, VA 22180-4907 |
| Document Number | 0053411966 |
|---|---|
| Date | May 30, 2018 |
| Book Page | 005341/001966 |
| Instrument | 84009 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | May 29, 2028 |
The 2025 property tax bill for 622 Pennsylvania Ave was $3,734 with a homeowner's exemption, up 4.3% 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 | $3,734.00 (+4.3%) Homeowner's exemption | $251,291 | $390,800 Land $55,000 Building $335,800 |
| 2024 | $3,580.00 (+2.67%) | ||
| 2023 | $3,487.00 (+3.59%) Homeowner's exemption | $235,588 (+3%) | $354,200 (+10.41%) Land $50,000 Building $304,200 |
| 2022 | $3,366.00 Homeowner's exemption | $228,727 | $320,800 Land $45,000 Building $275,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 622 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 622 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 |
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