623 Indiana Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 623 Indiana Ave, Saint Cloud, FL 34769 · Last verified April 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	2 Baths
Year Built	Built 1999
Square Footage	1,145 sqft Living Area
Lot Size	9,365 sqft (0.215 acres)
Occupancy	Owner Occupied
Last Sale	$350,000 (2022)
Tax Bill	$3,615.00 (2024)

Property Details

APN / Parcel Number

Primary APN	`01-26-30-0001-0050-0130`
Alternative APNs	`263001000100500130` `76967`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,145 sqft Living Area
Gross Area	1,556 sqft Gross Area
1st Floor	1,145 sqft 1st Floor
Upper Floors	120 sqft Upper Floors
Stories	2 Stories
Primary Flooring	Wood Flooring
Interior Structure	Plaster Interior Structure

Exterior

Year Built	Built 1919
Effective Year Built	Effective 1999
Exterior Material	Aluminum Siding Exterior
Construction Type	Frame Construction
Roof Construction	Gable/Hip Roof Construction
Roof Material	Metal Roof
Lot Area	9,365 sqft (0.215 acres)
Depth X Width	150 ft x 62.5 ft Depth x Width
Deck Area	64 sqft Deck
Porch Area	291 sqft Porch

Utilities and HVAC

Cooling System	A/C Package Cooling
Heating System	HVAC Heating

Location & Zoning

Street Address	623 INDIANA AVE
City	SAINT CLOUD
State	FL
Zip	34769-2866
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	ST CLOUD PB B PG 34 BLK 50 LOTS 13, 14 & S 1/2 LOT 15 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	50
Legal Lot Number	13
Jurisdiction	OSCEOLA FL
Minor Civil Division	ST. CLOUD
Census Blockgroup	3
Census Block	3032
Census Tract	43500

Owner

Source: Osceola County records · APN 01-26-30-0001-0050-0130

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

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 File
Mailing Address	623 INDIANA AVE, SAINT CLOUD, FL 34769-2866
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jan 30, 2024	Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage PENNYMAC LOAN SERVICES LLC
Nov 23, 2022	Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage BAY EQUITY LLC
Mar 10, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 23, 2022 · Amount on Record
Deed Sale	Nov 23, 2022 · Amount on Record
Prior Sale	Feb 01, 2017 · Amount on Record
Deed Doc Number	2022169899
Deed Book / Page	6319 / 2322
Prior Transfer Date	Feb 28, 2017
Prior Transfer Doc	0051142917
Record Refreshed	Jun 08, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	623 INDIANA AVE, SAINT CLOUD, FL 34769-2866
Transaction Type	Mortgage
Record Updated	Feb 12, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	623 INDIANA AVE, SAINT CLOUD, FL 34769-2866

Mortgage

Document Number	0065411009
Date	Jan 30, 2024
Book Page	6541/1009
Instrument	2024011972

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Federal Housing Administration (FHA) Mortgage
Amount	Amount Recorded
Term	349 Months
Due	Feb 01, 2053

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Nov 23, 2022
Property Address	623 INDIANA AVE, SAINT CLOUD, FL 34769-2866
Document Number	0063192322
Book / Page	6319 / 2322
Map Reference	MB B PG 33&34
Instrument Date	Nov 21, 2022
Instrument	2022169899
Transaction Type	Transfer
Record Updated	Dec 13, 2022
Title Company	LAND TITLE CORPORATION, LAND TITLE PROFESSIONALS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,450.00
Amount Accuracy	Rounded Values by County
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5807 GUENEVERE CT, SAINT CLOUD, FL 34772-8829

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenant/Joint Tenant w/ Right Of Survivorship
Address	623 INDIANA AVE, SAINT CLOUD, FL 34769-2866

Mortgage

Document Number	0063192324
Date	Nov 23, 2022
Instrument	6319/2324

Lender

Name	BAY EQUITY LLC
Type	Mortgage Company

Agreement

Type	Federal Housing Administration (FHA) Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 01, 2052

March 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 10, 2017
Property Address	623 INDIANA AVE, SAINT CLOUD, FL 34769-2866
Document Number	0051142917
Book / Page	005114 / 002917
Instrument Date	Feb 28, 2017
Instrument	37905
Transaction Type	Transfer
Record Updated	Apr 12, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Document Interfamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	5807 GUENEVERE CT ST CLOUD FL 347728829, ST CLOUD, FL 34772-8829

Tax Assessment & Valuation

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

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 is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,741.00 (+3.49%) Homeowner's exemption	$251,931 (+5.99%)	$260,700 (+9.68%) Land $55,000 Building $205,700
2024	$3,615.00 (+2.67%)
2023	$3,521.00 (+52.89%) Homeowner's exemption	$237,700 (+59.64%) Land $50,000 Building $187,700	$237,700 (+59.64%) Land $50,000 Building $187,700
2022	$2,303.00	$148,900 Land $45,000 Building $103,900	$148,900 Land $45,000 Building $103,900

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

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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

623 Indiana Ave, Saint Cloud, FL 34769 Property Records

Property Highlights

Property Details

APN / Parcel Number

Interior

Exterior

Utilities and HVAC

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

January 2024: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

November 2022: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

March 2017: Quit Claim Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood & Wildfire

Flood

Wildfire

Nearby Properties on Indiana Ave

Nearby Streets

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