Osceola County property record for 818 Pennsylvania Ave, Saint Cloud, FL 34769
| Property Type | Restaurant |
|---|---|
| Details | 2 bd · 1 ba · 1,080 sqft · built 1912 |
| Lot Size | 0.086 acres (3,746 sqft) |
| Owner | Company Name on Record |
| Last Sale | $350,000 (May 2026) |
| Tax Bill | $1,437 (2025) |
| Deeds & Mortgages | May 2026 Sale & Mortgage Jun 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-26-30-0001-0104-0080 |
| Primary APN | 01-26-30-0001-0104-0080 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Plumbing Fixtures | 4 Plumbing Fixtures |
| Units | 2 Units |
| Stories | 1 Story |
| Building Area | 1,080 sqft Gross Area |
| 1st Floor Area | 1,080 sqft |
| Flooring | Wood |
| Interior Walls | Plaster |
| Year Built | Built 1912 |
|---|---|
| Effective Year Built | Effective 2003 |
| Architectural Style | Custom Design |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Fire Resistance | Wood or Wood & Steel Frame |
| Foundation Type | Pier/Post & Beam |
| Roof Type | Flat |
| Roof Material | Composition Shingle |
| Lot Area | 3,746 sqft (0.086 acres) |
| Lot Dimensions | 150 ft deep x 25 ft wide |
| Porch | Enclosed/Finished Porch |
| Porch Area | 48 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 818 PENNSYLVANIA AVE |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-3371 |
| Property Category | Commercial |
| Property Type | Commercial > Retail > Restaurant |
| Local Zoning Code | SCB1 |
| Legal Description | ST CLOUD PB B PG 34 BLK 104 LOT 8 2/26/30 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD 2ND PLAT TOWN OF |
| Legal Tract | 1 |
| Legal Block | 104 |
| Legal Lot Number | 8 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1037 |
| Census Tract | 43500 |
Source: Osceola County records, as of June 9, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 1724 13TH ST, SAINT CLOUD, FL 34769-4309 |
| Owner Type | Company |
| Vesting | Limited Liability Partnership |
| Date | Document |
|---|---|
| May 26, 2026 | Warranty Deed, Transfer · Balloon Mortgage YEAGER |
| Jun 9, 2022 | Deed of Trust, Mortgage GEORGE YEAGER |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 26, 2026 · Amount on Record |
| Deed Sale | May 26, 2026 · Amount on Record |
| Prior Sale | Jun 9, 2022 · Amount on Record |
| Deed Document Number | 202668450 |
| Deed Book / Page | 6976 / 2045 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | May 26, 2026 |
| Property Address | 818 PENNSYLVANIA AVE, SAINT CLOUD, FL 34769-3371 |
| Document Number | 0000068450 |
| Book / Page | 6976 / 2045 |
| Instrument Date | May 20, 2026 |
| Instrument | 202668450 |
| Transaction Type | Transfer |
| Record Updated | Aug 26, 2026 |
| Title Company | LAND TITLE CORPORATION, LAND TITLE PROFESSIONALS |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $247,450.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Limited Liability Partnership |
| Address | 1724 13TH ST, SAINT CLOUD, FL 34769-4309 |
| Document Number | 0069762047, |
|---|---|
| Date | May 26, 2026 |
| Instrument | 202668451 |
| Name | YEAGER |
|---|
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | May 20, 2031 |
| Rate Type | Balloon |
|---|---|
| Rate | 6.5% |
| Initial Type | Balloon |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 818 PENNSYLVANIA AVE, SAINT CLOUD, FL 34769-3371 |
| Transaction Type | Mortgage |
| Record Updated | Jun 22, 2022 |
| Title Company | STEWART TITLE COMPANY-F, STEWART TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 1345 ENGLEWOOD DR, SAINT CLOUD, FL 34772-7599 |
| Document Number | 0062291811 |
|---|---|
| Date | Jun 9, 2022 |
| Book Page | 6229/1811 |
| Instrument | 2022089882 |
| Name | GEORGE YEAGER |
|---|---|
| Type | Private Party |
| Address | 29 OCEAN PALM VILLA N, FLAGLER BEACH, FL 32136 |
| Amount | Amount Recorded |
|---|
Source: Osceola County assessment roll, as of November 26, 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 | $1,437.00 (+1.05%) | $80,300 (+0.75%) Land $35,600 Building $44,700 | $80,300 (+0.75%) Land $35,600 Building $44,700 |
| 2024 | $1,422.00 (-1.52%) | $79,700 (-0.62%) Land $32,800 Building $46,900 | $79,700 (-0.62%) Land $32,800 Building $46,900 |
| 2023 | $1,444.00 (+17.69%) | $80,200 (+16.23%) Land $29,700 Building $50,500 | $80,200 (+16.23%) Land $29,700 Building $50,500 |
| 2022 | $1,227.00 | $69,000 Land $21,000 Building $48,000 | $69,000 Land $21,000 Building $48,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 Record 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.
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.
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 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 |
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