Osceola County property record for 704 Pennsylvania Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,042 sqft · built 1956 |
| Lot Size | 0.05 acres (2,178 sqft) |
| Owner | Individual Name on File |
| Last Sale | $235,000 (Nov 2021) |
| Tax Bill | $3,712 (2025) |
| Deeds & Mortgages | Nov 2021 Sale & Mortgage Oct 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 77154 |
| Primary APN | 77154 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,042 sqft Heated Area |
| Gross Area | 1,520 sqft |
| 1st Floor Area | 957 sqft |
| Interior Walls | Plaster |
| Year Built | Built 1956 |
|---|---|
| Effective Year Built | Effective 1996 |
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 2,178 sqft (0.05 acres) |
| Lot Dimensions | 88 ft deep x 25 ft wide |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 1 Parking Space |
| Porch | Enclosed Porch |
| Porch Area | 128 sqft |
| Fence | Fence |
| Cooling System | HVAC |
|---|---|
| Heating System | Floor/Wall Furnace |
| Account Number | 77154 |
|---|---|
| Street Address | 704 PENNSYLVANIA AVE |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-3374 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR2 |
| Legal Description | ST CLOUD PB B PG 34 BLK 71 E 88.5 FT OF LOT 3, ALL LOT 4 & N 6 FT LOT 5 2/26/30 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD |
| Legal Tract | 1 |
| Legal Block | 71 |
| Legal Lot Number | 2-5 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1032 |
| Census Tract | 43500 |
704 Pennsylvania Ave is owned and occupied by an individual who bought it in November 2021.
Source: Osceola County records, as of December 11, 2025
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 704 PENNSYLVANIA AVE, SAINT CLOUD, FL 34769-3374 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 24, 2021 | Warranty Deed, Transfer · Conventional Mortgage SI MORTGAGE COMPANY |
| Oct 11, 2021 | Warranty Deed, Transfer · Balloon Mortgage CAPITAL FUNDING |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 24, 2021 · Amount on File |
| Deed Sale | Nov 24, 2021 · Amount on File |
| Prior Sale | Oct 11, 2021 · Amount on File |
| Deed Document Number | 2021182206 |
| Deed Book / Page | 6093 / 1453 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Nov 24, 2021 |
| Property Address | 704 PENNSYLVANIA AVE, SAINT CLOUD, FL 34769-3374 |
| Document Number | 0060931453 |
| Book / Page | 6093 / 1453 |
| Map Reference | MB B PG 33&34 |
| Instrument Date | Nov 22, 2021 |
| Instrument | 2021182206 |
| Transaction Type | Transfer |
| Record Updated | Dec 10, 2021 |
| Title Company | NOT AVAILABLE, THE TITLE & ESCROW FIRM LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,645.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2006 MEADOW POND WAY, 2006, ORLANDO, FL 32824-5058 |
| Name | Verified Name |
|---|---|
| Address | 704 PENNSYLVANIA AVE, SAINT CLOUD, FL 34769-3374 |
| Document Number | 60931455 |
|---|---|
| Date | Nov 24, 2021 |
| Instrument | 6093/1455 |
| Name | SI MORTGAGE COMPANY |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Oct 11, 2021 |
| Property Address | 704 PENNSYLVANIA AVE, SAINT CLOUD, FL 34769-3374 |
| Document Number | 0060621139 |
| Book / Page | 6062 / 1139 |
| Map Reference | MB B PG 33&34 |
| Instrument Date | Oct 6, 2021 |
| Instrument | 2021157493 |
| Transaction Type | Transfer |
| Record Updated | Oct 26, 2021 |
| Title Company | THE TITLE & ESCROW FIRM LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,330.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4903 TERRAPIN BLVD, 4903, SAINT CLOUD, FL 34771-7503 |
| Name | Verified Name |
|---|---|
| Address | 2006 MEADOW POND WAY, ORLANDO, FL 32824-5058 |
| Document Number | 60621143 |
|---|---|
| Date | Oct 11, 2021 |
| Instrument | 6062/1143 |
| Name | CAPITAL FUNDING |
|---|---|
| Type | Mortgage Company |
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 13 Months |
| Due | Nov 1, 2022 |
The 2025 property tax bill for 704 Pennsylvania Ave was $3,712 with a homeowner's exemption.
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 | $3,712.00 Homeowner's exemption | $250,300 Land $46,800 Building $203,500 | $250,300 Land $46,800 Building $203,500 |
| 2023 | $3,952.00 (+10.02%) | $219,700 (+10.35%) Land $34,000 Building $185,700 | $219,700 (+10.35%) Land $34,000 Building $185,700 |
| 2022 | $3,592.00 | $199,100 Land $30,600 Building $168,500 | $199,100 Land $30,600 Building $168,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 704 Pennsylvania Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim 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 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.
Wildfire risk around 704 Pennsylvania 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 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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