Osceola County property record for 703 Pennsylvania Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,184 sqft · built 1919 |
| Lot Size | 0.172 acres (7,492 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $280,000 (Jul 2022) |
| Tax Bill | $4,270 (2025) |
| Deeds & Mortgages | Jul 2022 Sale & Mortgage Sep 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-26-30-0001-0070-0230 |
| Primary APN | 01-26-30-0001-0070-0230 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,184 sqft Living Area |
| 1st Floor Area | 1,040 sqft |
| Flooring | Tile |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1919 |
|---|---|
| Effective Year Built | Effective 1988 |
| Architectural Style | Custom Design |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 7,492 sqft (0.172 acres) |
| Lot Dimensions | 150 ft deep x 50 ft wide |
| Garage Area | 352 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Florida Room |
|---|---|
| Porch Area | 144 sqft |
| Shed | 1 Shed |
| Shed Area | 120 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 703 PENNSYLVANIA AVE |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-3369 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR2 |
| Legal Description | ST CLOUD PB B PG 34 BLK 70 LOTS 23 & 24 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 | 70 |
| Legal Lot Number | 23 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1031 |
| Census Tract | 43500 |
Source: Osceola County records, as of November 26, 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 | 703 PENNSYLVANIA AVE, SAINT CLOUD, FL 34769-3369 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single Woman |
| Date | Document |
|---|---|
| Jul 14, 2022 | Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE |
| Sep 23, 2020 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC |
| Aug 29, 2018 | Warranty Deed, Transfer · FHA Mortgage CARRINGTON MORTGAGE SERVICES LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 14, 2022 · Amount on Record |
| Deed Sale | Jul 14, 2022 · Amount on Record |
| Prior Sale | Aug 29, 2018 · Amount on Record |
| Deed Document Number | 2022109047 |
| Deed Book / Page | 6251 / 1835 |
| Prior Transfer Date | Mar 6, 2013 |
| Prior Transfer Doc | 0044102735 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jul 14, 2022 |
| Property Address | 703 PENNSYLVANIA AVE, SAINT CLOUD, FL 34769-3369 |
| Document Number | 0062511835 |
| Book / Page | 6251 / 1835 |
| Map Reference | MB B PG 33&34 |
| Instrument Date | Jul 5, 2022 |
| Instrument | 2022109047 |
| Transaction Type | Transfer |
| Record Updated | Jul 29, 2022 |
| Title Company | FLORIDA TITLE PROS |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,960.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 805 NEW YORK AVE, 805, SAINT CLOUD, FL 34769-3359 |
| Name | Verified Name |
|---|---|
| Address | 703 PENNSYLVANIA AVE, SAINT CLOUD, FL 34769-3369 |
| Document Number | 0062511837 |
|---|---|
| Date | Jul 14, 2022 |
| Instrument | 6251/1837 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 703 PENNSYLVANIA AVE, SAINT CLOUD, FL 34769-3369 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 0057982114 |
|---|---|
| Date | Sep 23, 2020 |
| Book Page | 5798/2114 |
| Instrument | 2020127251 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Oct 1, 2035 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Aug 29, 2018 |
| Property Address | 703 PENNSYLVANIA AVE, SAINT CLOUD, FL 34769-3369 |
| Document Number | 0053922117 |
| Book / Page | 5392 / 2117 |
| Map Reference | MBB PG33&34 |
| Instrument Date | Aug 23, 2018 |
| Instrument | 2018131057 |
| Transaction Type | Transfer |
| Record Updated | Feb 8, 2022 |
| Title Company | QUALITY TITLE & ESCROW LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,064.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2960 ROBINS NEST CT, 2960, SAINT CLOUD, FL 34772-8182 |
| Name | Verified Name |
|---|---|
| Address | 1942 BIG CYPRESS DR, SAINT CLOUD, FL 34771-8008 |
| Document Number | 2018131058 |
|---|---|
| Date | Aug 29, 2018 |
| Instrument | 2018131058 |
| Name | CARRINGTON MORTGAGE SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2048 |
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 | $4,270.00 (+1.57%) Homeowner's exemption | $158,787 (-7.25%) | $191,100 (+11.62%) Land $46,800 Building $144,300 |
| 2024 | $4,204.00 (-20.56%) | ||
| 2023 | $5,292.00 (+359.38%) | $171,200 (+61.36%) Land $42,500 Building $128,700 | $171,200 (+18.07%) Land $42,500 Building $128,700 |
| 2022 | $1,152.00 Homeowner's exemption | $106,095 | $145,000 Land $35,100 Building $109,900 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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 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.
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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