Osceola County property record for 623 Maryland Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 950 sqft · built 1925 |
| Lot Size | 0.169 acres (7,405 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $63,000 (Mar 2015) |
| Tax Bill | $1,436 (2025) |
| Deeds & Mortgages | Dec 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 77006 |
| Primary APN | 77006 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 950 sqft Heated Area |
| Gross Area | 1,286 sqft |
| 1st Floor Area | 704 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Year Built | Built 1925 |
|---|---|
| Effective Year Built | Effective 1965 |
| Exterior Material | Vinyl |
| Foundation Type | Pier/Post & Beam |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 7,405 sqft (0.169 acres) |
| Lot Dimensions | 150 ft deep x 50 ft wide |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 1 Parking Space |
| Porch | Enclosed Porch |
| Porch Area | 246 sqft |
| Fence | Fence |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 77006 |
|---|---|
| Street Address | 623 MARYLAND AVE |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-2940 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR2 |
| Legal Description | ST CLOUD PB B PG 34 BLK 54 LOT 13 & 14 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD |
| Legal Tract | 1 |
| Legal Block | 54 |
| Legal Lot Number | 13-14 14 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 5 |
| Census Block | 5036 |
| Census Tract | 43500 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 623 MARYLAND AVE, SAINT CLOUD, FL 34769-2940 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 3, 2015 · Amount on Record |
| Deed Sale | Mar 3, 2015 · Amount on Record |
| Deed Document Number | 2015030636 |
| Deed Book / Page | 4743 / 0819 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 623 MARYLAND AVE, SAINT CLOUD, FL 34769-2940 |
| Transaction Type | Mortgage |
| Record Updated | Feb 10, 2023 |
| Title Company | FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO |
| Name | Verified Name |
|---|---|
| Address | 623 MARYLAND AVE, SAINT CLOUD, FL 34769-2940 |
| Document Number | 0061152305 |
|---|---|
| Date | Dec 27, 2021 |
| Book Page | 6115/2305 |
| Instrument | 2021199155 |
| Name | UNITED STATES OF AMERICA |
|---|---|
| Type | Government Agency |
| Address | SAINT LOUIS, MO 63120 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 279 Months |
| Due | Mar 1, 2045 |
Source: Osceola County assessment roll, as of July 1, 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 | $1,436.00 (+7.73%) Homeowner's exemption | $123,136 (+5.99%) | $167,700 (+12.85%) Land $46,800 Building $120,900 |
| 2023 | $1,333.00 (+12.97%) Homeowner's exemption | $116,181 (+7.94%) | $148,600 (+18.31%) Land $42,500 Building $106,100 |
| 2022 | $1,180.00 Homeowner's exemption | $107,635 | $125,600 Land $35,100 Building $90,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Record median of 51 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 51 in force |
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.
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 | 0.02% 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 458 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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