820 Columbia Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 820 Columbia Ave, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,068 sqft · built 2017
Lot Size	1.19 acres (51,836 sqft)
Owner	Owner Name on Record
Last Sale	$45,000 (Mar 1997)
Tax Bill	$2,620 (2025)
Deeds & Mortgages	Jan 2017 Construction Loan Sep 2017 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`81980`

Property Details

APN / Parcel Number

Primary APN	`81980`
Alternative APN	`032630495000013760`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,068 sqft Heated Area
Gross Area	1,832 sqft
1st Floor Area	1,068 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	51,836 sqft (1.19 acres)
Lot Dimensions	315 ft deep x 165 ft wide
Garage Type	Finished
Garage Area	494 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	270 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	81980
Street Address	820 COLUMBIA AVE
City	SAINT CLOUD
State	FL
Zip	34769-2066
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RMH
Legal Description	S L & I C LOT 376
Legal Range	30E
Legal Township	26S
Legal Section	03
Legal Subdivision	WEST OF COLUMBIA ST CLOUD
Legal Tract	4950
Legal Block	1
Legal Lot Number	376
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2021
Census Tract	43203

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Owner Name on Record
Mailing Address	820 COLUMBIA AVE, SAINT CLOUD, FL 34769-2066
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Date	Document
Jan 26, 2017	Deed of Trust, Mortgage · Construction Mortgage CENTENNIAL BANK
Sep 28, 2017	Loan Modification, Mortgage · Conventional Mortgage CENTENNIAL BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 14, 1997 · Amount on Record
Deed Sale	Mar 14, 1997 · Amount on Record
Deed Document Number	0138702102
Deed Book / Page	01387 / 02102
Record Updated	Jun 8, 2026

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	820 COLUMBIA AVE, SAINT CLOUD, FL 34769-2066
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0050920653
Date	Jan 26, 2017
Book Page	5092/0653
Instrument	2017014738

Lender

Name	CENTENNIAL BANK
Type	Bank
Address	CONWAY, AR 72033

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2047

Interest

Rate Type	Fixed Rate
Rate	3.75%
Type Change Date	Feb 1, 2020
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	5.75%
Index	1-Year CMT
Max Rate	9.75%

September 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OSCEOLA FL
Property Address	820 COLUMBIA AVE, SAINT CLOUD, FL 34769-2066
Document Number	0052210156
Book / Page	005221 / 000156
Instrument Date	Sep 28, 2017
Transaction Type	Mortgage
Record Updated	Nov 10, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	820 COLUMBIA AVE ST CLOUD FL 347692066, ST CLOUD, FL 34769-2066

Mortgage

Document Number	0052210156
Date	Oct 9, 2017
Book Page	005221/000156
Instrument	144452

Lender

Name	CENTENNIAL BK
Type	Bank
Address	CONWAY, AR 72032

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 8, 2047

Interest

Rate Type	Fixed Rate
Rate	4%

Tax Assessment & Valuation

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	$2,620.00 (+6.63%) Homeowner's exemption	$189,267 (+5.99%)	$356,100 (+23.39%) Land $70,000 Building $286,100
2023	$2,457.00 (+3.89%) Homeowner's exemption	$178,576 (+3%)	$288,600 (+19.11%) Land $61,200 Building $227,400
2022	$2,365.00 Homeowner's exemption	$173,375	$242,300 Land $52,500 Building $189,800

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

Flood

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 71 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	71 in force
Nearby Flood Claims	2 (2017)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Sep 2017 · Hurricane Irma
Claims by Event	Hurricane Irma, Sep 2017 · 2 claims

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

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.

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 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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