623 Avocado St, Saint Cloud, FL 34769 Property Records

Osceola County property record for 623 Avocado St, Saint Cloud, FL 34769 · Last verified December 2025

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	4 Beds
Bathrooms	3 Baths
Year Built	Built 1991
Square Footage	2,240 sqft Heated Area
Lot Size	13,634 sqft (0.312 acres)
Occupancy	Owner Occupied
Last Sale	$225,000 (2016)
Tax Bill	$4,101.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`82487`
Alternative APN	`042630090000010290`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	2,240 sqft Heated Area
Gross Area	3,666 sqft Gross Area
1st Floor	1,120 sqft 1st Floor
Upper Floors	1,120 sqft Upper Floors
Stories	1 Stories
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1991
Exterior Material	Combination Exterior
Foundation Type	Footing Foundation
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	13,634 sqft (0.312 acres)
Depth X Width	136 ft x 100 ft Depth x Width
Parking Spaces	2 Parking Spaces
Garage Type	Finished Garage
Garage Area	594 sqft Garage

Exterior Amenities

Pool Area	448 sqft Pool
Fence	Fence
Deck Area	1,142 sqft Deck
Porch	Finished/Screened Porch
Porch Area	832 sqft Porch

Utilities and HVAC

Cooling System	A/C Package Cooling
Heating System	HVAC Heating

Location & Zoning

Account Number	82487
Street Address	623 AVOCADO ST
City	SAINT CLOUD
State	FL
Zip	34769-1651
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	PINE LAKE ESTATES UNIT 1 PB 2 PG 58 LOT 29 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	9,29 9
Legal Unit	1P
Jurisdiction	OSCEOLA FL
Minor Civil Division	ST. CLOUD
Census Blockgroup	1
Census Block	1000
Census Tract	43208

Owner

Source: Osceola County records · APN 82487

Assessment roll updated July 1, 2025 · Last verified December 2025

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

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	623 AVOCADO ST, SAINT CLOUD, FL 34769-1651
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 23, 2016 · Amount on Record
Deed Sale	May 23, 2016 · Amount on Record
Prior Sale	Aug 20, 2012 · Amount on Record
Deed Doc Number	2016078125
Deed Book / Page	4964 / 1076
Record Refreshed	Jun 08, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	623 AVOCADO ST, SAINT CLOUD, FL 34769-1651
Transaction Type	Mortgage
Record Updated	Feb 05, 2021
Title Company	PGP TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	623 AVOCADO ST, SAINT CLOUD, FL 34769-1651

Mortgage

Document Number	0058700324
Date	Jan 13, 2021
Book Page	5870/324
Instrument	2021005638

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Dec 01, 2050

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,101.00 (+6.16%) Homeowner's exemption	$272,030 (+5.99%)	$432,800 (-3.57%) Land $65,000 Building $367,800
2023	$3,863.00 (+3.54%) Homeowner's exemption	$256,665 (+3%)	$448,800 (+14.61%) Land $60,000 Building $388,800
2022	$3,731.00 Homeowner's exemption	$249,190	$391,600 Land $55,000 Building $336,600

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No
Nearest Special Flood Hazard Area	Zone AE, within 100 ft

Wildfire

Wildfire Risk	Low above 5% of the US · above 4% of Florida
Wildfire Likelihood	About 1 in 4,348 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.