706 Wisconsin Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 706 Wisconsin Ave, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,428 sqft · built 1975
Lot Size	0.339 acres (14,810 sqft)
Owner	2 Individual Names on File
Last Sale	$322,100 (Mar 2022)
Tax Bill	$5,674 (2025)
Deeds & Mortgages	Feb 2019 Line of Credit Mar 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`76848`

Property Details

APN / Parcel Number

Primary APN	`76848`
Alternative APN	`012630000100390020`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,428 sqft Heated Area
Gross Area	1,788 sqft
1st Floor Area	1,428 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1995
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	14,810 sqft (0.339 acres)

Exterior Amenities

Porch	Open Porch
Porch Area	360 sqft
Patio Area	625 sqft
Fence	Fence
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	76848
Street Address	706 WISCONSIN AVE
City	SAINT CLOUD
State	FL
Zip	34769-3271
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ST CLOUD PB B PG 34, BEG 150 FT E OF NW COR LOT 24 BLK 78, E 150 FT, S 100 FT, W 150 FT, N 100 FT TO POB 2/26/30
Legal Range	30E
Legal Township	26S
Legal Section	01
Legal Subdivision	ST CLOUD
Legal Tract	1
Legal Block	78
Legal Lot Number	24
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2022
Census Tract	43400

Owner

706 Wisconsin Ave is owned and occupied by two individuals who bought it in March 2022.

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

Owner of Record	2 Individual Names on File
Co-owner	Co-owner on File
Mailing Address	706 WISCONSIN AVE, SAINT CLOUD, FL 34769-3271
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

Date	Document
Feb 5, 2019	Deed of Trust, Mortgage · Line of Credit WELLS FARGO BANK NA
Mar 31, 2022	Special Warranty Deed, Transfer · FHA Mortgage MOVEMENT MORTGAGE
Nov 1, 2021	Warranty Deed, Transfer ZILLOW CLOSING SERVICES LLC, ZILLOW CLOSING SVCS POST CLO
Jul 18, 2019	Warranty Deed, Transfer STEWART TITLE

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Sale	Mar 31, 2022 · Amount on File
Deed Sale	Mar 31, 2022 · Amount on File
Prior Sale	Nov 1, 2021 · Amount on File
Deed Document Number	2022051570
Deed Book / Page	6184 / 429
Record Updated	Jun 8, 2026

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	706 WISCONSIN AVE, SAINT CLOUD, FL 34769-3271
Transaction Type	Mortgage
Record Updated	Aug 1, 2022
Title Company	AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0054722345
Date	Feb 5, 2019
Book Page	5472/2345
Instrument	2019015028

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Feb 7, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2022: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 31, 2022
Property Address	706 WISCONSIN AVE, SAINT CLOUD, FL 34769-3271
Document Number	0061840429
Book / Page	6184 / 429
Map Reference	MB B PG 33
Instrument Date	Mar 29, 2022
Instrument	2022051570
Transaction Type	Transfer
Record Updated	Aug 1, 2022
Title Company	ZILLOW CLOSING SERVICES LLC, ZILLOW CLOSING SVCS POST CLO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,254.70
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4343 N SCOTTSDALE RD STE 390, 4343, SCOTTSDALE, AZ 85251-3347

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	11806 MEADOW BRANCH DR APT 721, 721, ORLANDO, FL 32825-5062

Mortgage

Document Number	0006184432
Date	Mar 31, 2022
Instrument	6184/432

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Nov 1, 2021
Property Address	706 WISCONSIN AVE, SAINT CLOUD, FL 34769-3271
Document Number	0060762046
Book / Page	6076 / 2046
Map Reference	MB B PG 33
Instrument Date	Oct 27, 2021
Instrument	2021169205
Transaction Type	Transfer
Record Updated	Aug 1, 2022
Title Company	ZILLOW CLOSING SERVICES LLC, ZILLOW CLOSING SVCS POST CLO

Transaction

Amount	Amount on Record
Tax	$2,073.40
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	706 WISCONSIN AVE, 706, SAINT CLOUD, FL 34769-3271

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4343 N SCOTTSDALE RD STE 390, 390, SCOTTSDALE, AZ 85251-3347
Investor	Possibly a Property Investor

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 18, 2019
Property Address	706 WISCONSIN AVE, SAINT CLOUD, FL 34769-3271
Document Number	0055582842
Book / Page	005558 / 002842
Instrument Date	Jul 18, 2019
Instrument	92555
Transaction Type	Transfer
Record Updated	Aug 1, 2019
Title Company	STEWART TITLE

Transaction

Amount	Amount on Record
Tax	$1,295.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1076 FAIRLAWN DR ROCKLEDGE FL 329553032, ROCKLEDGE, FL 32955-3032

Tax Assessment & Valuation

The 2025 property tax bill for 706 Wisconsin Ave was $5,674.

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	$5,674.00	$316,800 Land $63,200 Building $253,600	$316,800 Land $63,200 Building $253,600
2023	$5,205.00 (+10.32%)	$288,800 (+10.4%) Land $57,500 Building $231,300	$288,800 (+10.4%) Land $57,500 Building $231,300
2022	$4,718.00	$261,600 Land $51,800 Building $209,800	$261,600 Land $51,800 Building $209,800

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

Flood

FEMA maps place 706 Wisconsin Ave in Zone X, an area of minimal flood risk.

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 18 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	18 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.

Wildfire

Wildfire risk around 706 Wisconsin 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.

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 439 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	8,000 / 8,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Hotwire Communications.

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