720 Pennsylvania Ave, Saint Cloud, FL 34769 Property Records

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

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 2,210 sqft · built 1919
Lot Size	0.169 acres (7,405 sqft)
Owner	Individual Name on File
Last Sale	$160,000 (Sep 2015)
Tax Bill	$1,261 (2025)
Deeds & Mortgages	Oct 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`77156`

Property Details

APN / Parcel Number

Primary APN	`77156`
Alternative APN	`012630000100710090`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,210 sqft Heated Area
Gross Area	2,562 sqft
1st Floor Area	1,222 sqft
Upper Floors Area	988 sqft
Flooring	Wood
Interior Walls	Plaster

Exterior

Year Built	Built 1919
Effective Year Built	Effective 1990
Exterior Material	Aluminum Siding
Foundation Type	Pier/Post & Beam
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,405 sqft (0.169 acres)
Lot Dimensions	150 ft deep x 50 ft wide
Garage Area	676 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Finished/Screened Porch
Porch Area	352 sqft
Deck Area	105 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	77156
Street Address	720 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 LOTS 9 & 10 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	2,9-10 10
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1032
Census Tract	43500

Owner

720 Pennsylvania Ave is owned and occupied by an individual who bought it in September 2015.

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

Owner of Record	Individual Name on File
Mailing Address	720 PENNSYLVANIA AVE, SAINT CLOUD, FL 34769-3374
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 10, 2015 · Amount on File
Deed Sale	Sep 10, 2015 · Amount on File
Prior Sale	Jan 7, 2005 · Amount on File
Deed Document Number	2015134975
Deed Book / Page	4839 / 2052
Record Updated	Jun 8, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	720 PENNSYLVANIA AVE, SAINT CLOUD, FL 34769-3374
Transaction Type	Mortgage
Record Updated	Oct 26, 2021
Title Company	ADVANTAGEONE TITLE, ADVANTAGE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	720 PENNSYLVANIA AVE, SAINT CLOUD, FL 34769-3374

Mortgage

Document Number	0060632721
Date	Oct 12, 2021
Book Page	6063/2721
Instrument	2021158837

Lender

Name	CHRISTENSEN FINANCIAL INC
Type	Funding / Finance Company
Address	ALTAMONTE SPRINGS, FL 32714

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Nov 1, 2041

Tax Assessment & Valuation

The 2025 property tax bill for 720 Pennsylvania Ave was $1,261 with a homeowner's exemption.

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	$1,261.00 Homeowner's exemption	$113,340	$227,900 Land $46,800 Building $181,100
2023	$1,167.00 (+5.04%) Homeowner's exemption	$106,938 (+3%)	$208,700 (+11.6%) Land $42,500 Building $166,200
2022	$1,111.00 Homeowner's exemption	$103,824	$187,000 Land $35,100 Building $151,900

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

Flood

FEMA maps place 720 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

Wildfire risk around 720 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.

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 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