Osceola County property record for 809 Montana Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,060 sqft · built 1987 |
| Lot Size | 0.169 acres (7,405 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $474 (2025) |
| Deeds & Mortgages | Aug 2021 Mortgage Nov 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 77322 |
| Primary APN | 77322 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,060 sqft Heated Area |
| Gross Area | 1,360 sqft |
| 1st Floor Area | 1,060 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1987 |
|---|---|
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| 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 Type | Carport |
| Carport | Carport |
| Fence | Fence |
| Shed | 1 Shed |
| Shed Area | 80 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 77322 |
|---|---|
| Street Address | 809 MONTANA AVE |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-3575 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR2 |
| Legal Description | ST CLOUD PB B PG 33-34 BLK 89 LOTS 19 & 20 3/26/30 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD |
| Legal Tract | 1 |
| Legal Block | 89 |
| Legal Lot Number | 3,19-20 20 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 3 |
| Census Block | 3057 |
| Census Tract | 43400 |
809 Montana Ave is owned and occupied by an individual who acquired it in October 2021.
Source: Osceola County records, as of December 11, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 809 MONTANA AVE, SAINT CLOUD, FL 34769-3575 |
| 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.
| Date | Document |
|---|---|
| Aug 11, 2021 | Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Nov 5, 2019 | Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 30, 2021 |
| Deed Sale | Oct 30, 2021 |
| Prior Sale | Nov 14, 2001 · Amount on File |
| Deed Document Number | 2005181686 |
| Deed Book / Page | 2868 / 2052 |
| Prior Transfer Date | Aug 12, 2005 |
| Prior Transfer Doc | 2005181686 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 809 MONTANA AVE, SAINT CLOUD, FL 34769-3575 |
| Transaction Type | Mortgage |
| Record Updated | Aug 24, 2021 |
| Name | Verified Name |
|---|---|
| Address | 809 MONTANA AVE, SAINT CLOUD, FL 34769-3575 |
| Document Number | 0060201983 |
|---|---|
| Date | Aug 11, 2021 |
| Book Page | 6020/1983 |
| Instrument | 2021124372 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 809 MONTANA AVE, SAINT CLOUD, FL 34769-3575 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0056181149 |
|---|---|
| Date | Nov 5, 2019 |
| Book Page | 5618/1149 |
| Instrument | 2019143424 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Nov 1, 2039 |
The 2025 property tax bill for 809 Montana Ave was $474 with exemptions applied.
Source: Osceola County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $474.00 Homeowner's exemption Widower's exemption | $71,133 | $216,700 Land $46,800 Building $169,900 |
| 2023 | $458.00 (-14.87%) Homeowner's exemption Widower's exemption | $67,116 (-59.1%) | $193,700 (+18.04%) Land $42,500 Building $151,200 |
| 2022 | $538.00 | $164,100 Land $35,100 Building $129,000 | $164,100 Land $35,100 Building $129,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 809 Montana Ave in Zone X, an area of minimal flood risk, though there have been 24 flood claims 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 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 |
|
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 risk around 809 Montana 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 98% of the US · lower than 97.6% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 539 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 |
May also be available: AT&T, Verizon.
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