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821 Georgia Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 821 Georgia Ave, Saint Cloud, FL 34769

Property Summary

Property TypeSingle Family Home
Details2 bd · 1 ba · 786 sqft · built 1979
Lot Size0.169 acres (7,405 sqft)
OwnerIndividual Name on Record
Last Sale$160,000 (Nov 2018)
Tax Bill$1,632 (2025)
Deeds & MortgagesSep 2020 Mortgage
Nov 2018 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN77339

Property Details

APN / Parcel Number

Primary APN77339
Alternative APN
  • 012630000100910130

Interior

Bedrooms2 Beds
Full Baths1 Bath
Stories1 Story
Building Area786 sqft Heated Area
Gross Area1,220 sqft
1st Floor Area786 sqft
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1979
Effective Year BuiltEffective 1995
Exterior MaterialConcrete Block
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area7,405 sqft (0.169 acres)
Lot Dimensions150 ft deep x 50 ft wide
Garage TypeFinished
Garage Area300 sqft
Parking Spaces1 Parking Space
PorchOpen Porch
Porch Area134 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Account Number77339
Street Address821 GEORGIA AVE
CitySAINT CLOUD
StateFL
Zip34769-3562
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeSR2
Legal DescriptionST CLOUD PB B PG 33-34 BLK 91 LOTS 13 & 14 3/26/30
Legal Range30E
Legal Township26S
Legal Section01
Legal SubdivisionST CLOUD
Legal Tract1
Legal Block91
Legal Lot Number3,13-14 14
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group3
Census Block3059
Census Tract43400

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 RecordIndividual Name on Record
Co-owner2 Co-owners on Record
Mailing Address821 GEORGIA AVE, SAINT CLOUD, FL 34769-3562
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Sep 11, 2020Deed of Trust, Mortgage · FHA Mortgage
FREEDOM MTG
Nov 21, 2018Warranty Deed, Transfer · FHA Mortgage
STEARNS LENDING LLC

Assessor's Deed Record

Deed Names3 Names on Deed
Last SaleNov 21, 2018 · Amount on Record
Deed SaleNov 21, 2018 · Amount on Record
Deed Document Number2018171470
Deed Book / Page5436 / 2414
Record UpdatedJun 8, 2026

September 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address821 GEORGIA AVE, SAINT CLOUD, FL 34769-3562
Document Number0058011099
Instrument DateSep 11, 2020
Transaction TypeMortgage
Record UpdatedOct 21, 2020
Title CompanyINSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SVCS LLC

Transferred To (Grantee/Buyer)

NameVerified Name
Address821 GEORGIA AVE ST CLOUD FL 347693562, ST CLOUD, FL 34769-3562

Mortgage

Document Number0058011099
DateSep 29, 2020
Book Page005801/001099
Instrument129716
Lender
NameFREEDOM MTG
TypeMortgage Company
AddressMOUNT LAUREL, NJ 08054
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term336 Months
DueSep 28, 2048

November 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateNov 21, 2018
Property Address821 GEORGIA AVE, SAINT CLOUD, FL 34769-3562
Document Number0054362414
Book / Page5436 / 2414
Map ReferenceMB B PG33&34
Instrument DateNov 5, 2018
Instrument2018171470
Transaction TypeTransfer
Record UpdatedFeb 8, 2022
Title CompanyGOLD STAR TITLE & ESCROW INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,120.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address631 WILL BARBER RD, 631, KISSIMMEE, FL 34744-4747

Transferred To (Grantee/Buyer)

NameVerified Name
Address821 GEORGIA AVE, SAINT CLOUD, FL 34769-3562

Mortgage

Document Number2018171471
DateNov 21, 2018
Instrument2018171471
Lender
NameSTEARNS LENDING LLC
TypeFunding / Finance Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueNov 1, 2048

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 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$1,632.00 (+7.79%) Homeowner's exemption Disabled Person's exemption$139,098 (+5.99%)$214,100 (+12.04%) Land $46,800 Building $167,300
2023$1,514.00 (-0.92%) Homeowner's exemption Disabled Person's exemption$131,241 (+3%)$191,100 (+18.4%) Land $42,500 Building $148,600
2022$1,528.00 Homeowner's exemption Disabled Person's exemption$127,419$161,400 Land $35,100 Building $126,300

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 98 individual policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies110 units insured
incl. 12 condo units
Nearby Flood Claims24 (1994–2022)
Claims Outside the SFHA3 of 24
Most Recent ClaimSep 2022 · Hurricane Ian
Claims by Event
  • Hurricane Ian, Sep 2022 · 4 claims
  • Hurricane Ian, Sep 2022 · 2 claims
  • Hurricane Frances, Sep 2004 · 3 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 RiskLow
lower than 93% of the US · lower than 94% of Florida
Wildfire Likelihood0.02% annual chance
ExposureDirect
burnable vegetation

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 439 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
CenturyLink
Fiber		8,000 / 8,000
Spectrum
Cable		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20

May also be available: Hotwire Communications.

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