631 Columbia Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 631 Columbia Ave, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,172 sqft · built 1978
Lot Size	0.169 acres (7,405 sqft)
Owner	Individual Name on File
Last Sale	$215,000 (Mar 2021)
Tax Bill	$3,576 (2025)
Deeds & Mortgages	Mar 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`76765`

Property Details

APN / Parcel Number

Primary APN	`76765`
Alternative APN	`012630000100300130`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,172 sqft Heated Area
Gross Area	1,670 sqft
1st Floor Area	1,172 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1983
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,405 sqft (0.169 acres)
Lot Dimensions	127 ft deep x 59 ft wide
Garage Type	Finished
Garage Area	264 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Open Porch
Porch Area	234 sqft
Patio Area	192 sqft
Fence	Fence
Utility Building	32 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	76765
Street Address	631 COLUMBIA AVE
City	SAINT CLOUD
State	FL
Zip	34769-3164
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR2
Legal Description	ST CLOUD PB B PG 34 BLK 30 LOTS 13 & 14 & S 9 FT OF 15 3/26/30
Legal Range	30E
Legal Township	26S
Legal Section	01
Legal Subdivision	ST CLOUD
Legal Tract	1
Legal Block	30
Legal Lot Number	13-14 14
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3042
Census Tract	43400

Owner

631 Columbia Ave is owned and occupied by an individual who bought it in March 2021.

Source: Osceola County records, as of December 11, 2025

Owner of Record	Individual Name on File
Mailing Address	631 COLUMBIA AVE, SAINT CLOUD, FL 34769-3164
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 24, 2021 · Amount on File
Deed Sale	Mar 24, 2021 · Amount on File
Prior Sale	Apr 5, 2004 · Amount on File
Deed Document Number	2021043952
Deed Book / Page	5919 / 1410
Record Updated	Jun 8, 2026

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 24, 2021
Property Address	631 COLUMBIA AVE, SAINT CLOUD, FL 34769-3164
Document Number	0059191410
Book / Page	5919 / 1410
Map Reference	MB B PG 33&34
Instrument Date	Mar 19, 2021
Instrument	2021043952
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	A-Z TEAM TITLE LLC, A Z TEAM TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,505.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	631 COLUMBIA AVE, 631, SAINT CLOUD, FL 34769-3164

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	631 COLUMBIA AVE, SAINT CLOUD, FL 34769-3164

Mortgage

Document Number	0059191412
Date	Mar 24, 2021
Instrument	5919/1412

Lender

Name	PANORAMA MORTGAGE GROUP LLC
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 631 Columbia Ave was $3,576 with a homeowner's exemption.

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	$3,576.00 Homeowner's exemption	$242,700 Land $46,800 Building $195,900	$242,700 Land $46,800 Building $195,900
2023	$3,730.00 (+11.78%)	$214,600 (+16%) Land $42,500 Building $172,100	$214,600 (+16%) Land $42,500 Building $172,100
2022	$3,337.00	$185,000 Land $38,200 Building $146,800	$185,000 Land $38,200 Building $146,800

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

Flood

FEMA maps place 631 Columbia Ave in Zone X, an area of minimal flood risk, though there have been 24 flood claims 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 98 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	110 units insured incl. 12 condo units
Nearby Flood Claims	24 (1994–2022)
Claims Outside the SFHA	3 of 24
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Ian, Sep 2022 · 4 claims Hurricane Ian, Sep 2022 · 2 claims Hurricane Frances, Sep 2004 · 3 claims

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

Wildfire risk around 631 Columbia 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 98% of the US · lower than 97.6% 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.

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 539 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

May also be available: AT&T, Verizon.

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