Osceola County property record for 707 Georgia Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 1,876 sqft · built 1972 |
| Lot Size | 0.26 acres (11,326 sqft) |
| Owner | Individual Name on File |
| Last Sale | $370,000 (May 2022) |
| Tax Bill | $3,074 (2025) |
| Deeds & Mortgages | May 2022 Sale & Mortgage Feb 2022 Sale + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 77278 |
| Primary APN | 77278 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 1,876 sqft Heated Area |
| Gross Area | 2,348 sqft |
| 1st Floor Area | 1,204 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1972 |
|---|---|
| Effective Year Built | Effective 1992 |
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 11,326 sqft (0.26 acres) |
| Lot Dimensions | 150 ft deep x 75 ft wide |
| Garage Type | Finished |
| Garage Area | 308 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Enclosed Porch |
|---|---|
| Porch Area | 696 sqft |
| Patio Area | 111 sqft |
| Fence | Fence |
| Shed | 1 Shed |
| Shed Area | 90 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 77278 |
|---|---|
| Street Address | 707 GEORGIA AVE |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-3170 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR2 |
| Legal Description | ST CLOUD PB B PG 33/34 BLK 84 LOTS 19, 20, & 21 3/26/30 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD |
| Legal Tract | 1 |
| Legal Block | 84 |
| Legal Lot Number | 3,19-21 20 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 3 |
| Census Block | 3052 |
| Census Tract | 43400 |
Source: Osceola County records · APN 77278
Assessment roll updated July 1, 2025 · Last verified December 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 File |
|---|---|
| Mailing Address | 707 GEORGIA AVE, SAINT CLOUD, FL 34769-3170 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 11, 2022 | Warranty Deed, Transfer · Conventional Mortgage LOWER LLC |
| Feb 11, 2022 | Warranty Deed, Transfer OS NATIONAL LLC |
| Jun 04, 2019 | Deed of Trust, Mortgage · Closed-End Mortgage PNC BANK NA |
| Nov 25, 2020 | Deed of Trust, Mortgage · Conventional Mortgage AMERICAN FINANCING CORP |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | May 11, 2022 · Amount on Record |
| Deed Sale | May 11, 2022 · Amount on Record |
| Prior Sale | Feb 11, 2022 · Amount on Record |
| Deed Document Number | 2022074947 |
| Deed Book / Page | 6212 / 802 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | May 11, 2022 |
| Property Address | 707 GEORGIA AVE, SAINT CLOUD, FL 34769-3170 |
| Document Number | 0062120802 |
| Book / Page | 6212 / 802 |
| Map Reference | MB B PG 33&34 |
| Instrument Date | May 06, 2022 |
| Instrument | 2022074947 |
| Transaction Type | Transfer |
| Record Updated | May 26, 2022 |
| Title Company | OS NATIONAL LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,590.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 410 N SCOTTSDALE RD # RD1600, 410, TEMPE, AZ 85281-7094 |
| Name | Verified Name |
|---|---|
| Address | 707 GEORGIA AVE, SAINT CLOUD, FL 34769-3170 |
| Document Number | 0006212804 |
|---|---|
| Date | May 11, 2022 |
| Instrument | 6212/804 |
| Name | LOWER LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Feb 11, 2022 |
| Property Address | 707 GEORGIA AVE, SAINT CLOUD, FL 34769-3170 |
| Document Number | 0061480940 |
| Book / Page | 6148 / 940 |
| Map Reference | MB B PG 33&34 |
| Instrument Date | Feb 06, 2022 |
| Instrument | 2022023033 |
| Transaction Type | Transfer |
| Record Updated | Jul 01, 2026 |
| Title Company | OS NATIONAL LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $2,044.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 660 COUNTY ROAD 445, ENTERPRISE, AL 36330-9710 |
| Name | Verified Name |
|---|---|
| Address | 410 N SCOTTSDALE RD STE 1600, 1600, TEMPE, AZ 85288-0976 |
| Investor | Possibly a Property Investor |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 707 GEORGIA AVE, SAINT CLOUD, FL 34769-3170 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0055350994 |
|---|---|
| Date | Jun 04, 2019 |
| Book Page | 5535/0994 |
| Instrument | 2019071872 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | SAINT CLOUD, FL 34769 |
| Type | Closed-End Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 239 Months |
| Due | May 25, 2039 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 707 GEORGIA AVE, SAINT CLOUD, FL 34769-3170 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | FITCO |
| Name | Verified Name |
|---|---|
| Address | 7007 GEORGIA AVE, SAINT CLOUD, FL 34769 |
| Document Number | 0058401765 |
|---|---|
| Date | Nov 25, 2020 |
| Book Page | 5840/1765 |
| Instrument | 2020161775 |
| Name | AMERICAN FINANCING CORP |
|---|---|
| Type | Lending Institution |
| Address | AURORA, CO 80014 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2050 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,074.00 (+7.56%) Homeowner's exemption Widower's exemption | $219,627 (+6.7%) | $301,800 (+12.36%) Land $55,000 Building $246,800 |
| 2023 | $2,858.00 (+87.66%) Homeowner's exemption Widower's exemption | $205,843 (+62.52%) | $268,600 (+16.03%) Land $50,000 Building $218,600 |
| 2022 | $1,523.00 Homeowner's exemption | $126,657 | $231,500 Land $45,000 Building $186,500 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), as of September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970434003, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 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 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 |
|
| Wildfire Risk | Low lower than 96% of the US · lower than 96% of Florida |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Lumen Technologies Fiber | 8,000 / 8,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
May also be available: AT&T, Verizon.
Based on FCC filings for 539 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System, water system FL3491373, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | ST. CLOUD, CITY OF (3 WPS) serves 82,752 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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