710 California Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 710 California Ave, Saint Cloud, FL 34769 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,445 sqft · built 1989
Lot Size	0.172 acres (7,492 sqft)
Owner	2 Individual Names on File
Last Sale	$327,000 (Jul 2025)
Tax Bill	$1,100 (2025)
Deeds & Mortgages	Jul 2025 Sale & Mortgage Apr 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`01-26-30-0001-0082-0050`

Property Details

APN / Parcel Number

Primary APN	`01-26-30-0001-0082-0050`
Alternative APNs	`263001000100820050` `77252`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,445 sqft Living Area
Gross Area	1,900 sqft
1st Floor Area	1,253 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1994
Architectural Style	Conventional
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,492 sqft (0.172 acres)
Lot Dimensions	150 ft deep x 0.5 ft wide
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Florida Room
Porch Area	227 sqft
Shed	1 Shed
Shed Area	256 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	710 CALIFORNIA AVE
City	SAINT CLOUD
State	FL
Zip	34769-3123
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ST CLOUD PB B PG 33/34 BLK 82 LOTS 5 & 6 3/26/30
Legal Range	30E
Legal Township	26S
Legal Section	01
Legal Subdivision	ST CLOUD 2ND PLAT TOWN OF
Legal Tract	1
Legal Block	82
Legal Lot Number	5
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3062
Census Tract	43400

Owner

Source: Osceola County records · APN 01-26-30-0001-0082-0050

Assessment roll updated November 26, 2025 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	710 CALIFORNIA AVE, SAINT CLOUD, FL 34769-3123
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jul 09, 2025	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Apr 18, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC
May 14, 2018	Loan Modification, Mortgage · Conventional Mortgage PENNYMAC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 09, 2025 · Amount on Record
Deed Sale	Jul 09, 2025 · Amount on Record
Prior Sale	Apr 05, 2012 · Amount on Record
Deed Document Number	202585224
Deed Book / Page	6816 / 538
Prior Transfer Date	Dec 06, 2011
Prior Transfer Doc	0042120984
Record Updated	Sep 20, 2026

July 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 09, 2025
Property Address	710 CALIFORNIA AVE, SAINT CLOUD, FL 34769-3123
Document Number	0068160538
Book / Page	6816 / 538
Map Reference	MB B PG 33&34
Instrument Date	Jun 30, 2025
Instrument	2025085224
Transaction Type	Transfer
Record Updated	Apr 02, 2026
Title Company	MAGNOLIA TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,289.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3775 TUCKER AVE, SAINT CLOUD, FL 34772-8309

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	710 CALIFORNIA AVE, SAINT CLOUD, FL 34769-3123

Mortgage

Document Number	0006816539
Date	Jul 09, 2025
Instrument	6816/539

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 01, 2055

April 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Apr 18, 2022
Property Address	710 CALIFORNIA AVE, SAINT CLOUD, FL 34769-3123
Document Number	0061941728
Book / Page	6194 / 1728
Map Reference	MB B PG 33&34
Instrument Date	Apr 08, 2022
Instrument	2022059835
Transaction Type	Transfer
Record Updated	Aug 01, 2022
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	710 CALIFORNIA AVE, SAINT CLOUD, FL 34769-3123

Mortgage

Document Number	0061941729
Date	Apr 18, 2022
Instrument	6194/1729

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 01, 2052

May 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OSCEOLA FL
Property Address	710 CALIFORNIA AVE, SAINT CLOUD, FL 34769-3123
Document Number	0053502132
Instrument Date	May 14, 2018
Transaction Type	Mortgage
Record Updated	Jul 10, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	710 CALIFORNIA AVE ST CLOUD FL 347693123, ST CLOUD, FL 34769-3123

Mortgage

Document Number	0053502132
Date	Jun 15, 2018
Book Page	005350/002132
Instrument	92353

Lender

Name	PENNYMAC
Address	MOORPARK, CA 93021

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 14, 2048

Interest

Rate Type	Fixed Rate
Rate	3.75%

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified August 2026

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

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	$1,100.00 (+4.27%)	$104,378 (+5.99%)	$274,300 (+12.14%) Land $46,800 Building $227,500
2024	$1,055.00 (+4.04%)
2023	$1,014.00 (+5.3%) Homeowner's exemption	$98,483 (+3%)	$244,600 (+17.94%) Land $42,500 Building $202,100
2022	$963.00 Homeowner's exemption	$95,615	$207,400 Land $35,100 Building $172,300

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970434003, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 98 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	110 units insured 12 under condo master policies
Nearby Flood Claims	24 (1994–2022)
Claims Outside the SFHA	3 of 24
Most Recent Claim	Sep 2022, river or lake flooding, Hurricane Ian
Claims By Storm	Hurricane Ian, Sep 2022 · 4 claims Hurricane Ian, Sep 2022 · 2 claims Hurricane Frances, Sep 2004 · 3 claims

Wildfire

Wildfire Risk	Low above 7% of the US · above 6% of Florida
Wildfire Likelihood	About 1 in 4,545 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 439 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Lumen Technologies	Fiber	8,000 / 8,000
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: Hotwire Communications. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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