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720 Mississippi Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 720 Mississippi Ave, Saint Cloud, FL 34769

Property Summary

Property TypeDuplex
Details4 bd · 2 ba · 1,768 sqft · built 1990
Lot Size0.258 acres (11,238 sqft)
Owner2 Individual Names on File
Last Sale$96,000 (Aug 2000)
Tax Bill$3,506 (2025)
Deeds & MortgagesOct 2026 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN01-26-30-0001-0059-0100

Property Details

APN / Parcel Number

Primary APN01-26-30-0001-0059-0100
Alternative APNs
  • 263001000100590100
  • 77047

Interior

Bedrooms4 Beds
Full Baths2 Baths
Units2 Units
Stories1 Story
Building Area1,768 sqft Living Area
1st Floor Area1,768 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1990
Effective Year BuiltEffective 1990
Architectural StyleCustom Design
Exterior MaterialCombination
Construction TypeFrame
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area11,238 sqft (0.258 acres)
Lot Dimensions150 ft deep x 75 ft wide

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address720 MISSISSIPPI AVE
CitySAINT CLOUD
StateFL
Zip34769-3056
Property CategoryResidential
Property TypeResidential > Multi-Unit > Duplex
Local Zoning CodeSR2
Legal DescriptionST CLOUD PB B PG 34 BLK 59 LOTS 10, 11 & 12 1/26/30
Legal Range30E
Legal Township26S
Legal Section01
Legal SubdivisionST CLOUD 2ND PLAT TOWN OF
Legal Tract1
Legal Block59
Legal Lot Number10
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group5
Census Block5044
Census Tract43500

Owner

720 Mississippi Ave, a duplex, is owned by two individuals who bought it in August 2000.

Source: Osceola County records, as of April 28, 2026

Owner of Record2 Individual Names on File
Mailing Address11651 MAGNOLIA ESTATES RD, JACKSONVILLE, FL 32223-1605
Owner TypeIndividual

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

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 22, 2000 · Amount on File
Deed SaleAug 22, 2000 · Amount on File
Prior SaleJan 18, 1996 · Amount on File
Deed Book / Page1772 / 1814
Record UpdatedOct 29, 2026

October 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateOct 9, 2026
Property Address720 MISSISSIPPI AVE, SAINT CLOUD, FL 34769-3056
Document Number0000130463
Book / Page7046 / 2645
Instrument DateOct 2, 2026
Instrument2026130463
Transaction TypeTransfer
Record UpdatedOct 23, 2026
Title CompanyFRIENDS AND NEIGHBORS TITLE SERVICES, NEIGHBORS TITLE

Transaction

AmountAmount on Record
Loan-to-Value (LTV)LTV on Record
Tax$200,575.90
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTrust
Address9855 WALKWAY DR, ORLANDO, FL 32832-4023

Mortgage

Document Number0000130464,
DateOct 9, 2026
Instrument2026130464
Lender
NameFINANCE GROUP
Agreement
TypeBalloon Mortgage
AmountAmount on Record
Interest
Rate TypeBalloon
Initial TypeBalloon
Max Rate-1%

Tax Assessment & Valuation

The 2025 property tax bill for 720 Mississippi Ave was $3,506, up 6.2% from the year before.

Source: Osceola County assessment roll, as of November 26, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$3,506.00 (+6.21%)$231,600 Land $70,000 Building $161,600$231,600 Land $70,000 Building $161,600
2024$3,301.00 (+6.07%)
2023$3,112.00 (+18.24%)$225,600 (+33.73%) Land $60,000 Building $165,600$225,600 (+33.73%) Land $60,000 Building $165,600
2022$2,632.00$168,700 Land $52,000 Building $116,700$168,700 Land $52,000 Building $116,700

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

Flood

FEMA maps place 720 Mississippi 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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 51 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies51 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 720 Mississippi Ave is low, with a 0.03% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 66% of the US · lower than 91% of Florida
Wildfire Likelihood0.03% annual chance
ExposureNone
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 SystemST. CLOUD, CITY OF (3 WPS)
serves 82,752 people · EPA ID FL3491373
Water SourceGroundwater
Last State InspectionJul 2025
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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 356 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
CenturyLink
Fiber		2,000 / 1,000
Spectrum
Cable · Fiber in parts of the area		1,000 / 1,000
AT&T
Fixed Wireless		100 / 20

May also be available: Verizon.

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