Osceola County property record for 823 Missouri Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,769 sqft · built 1939 |
| Lot Size | 0.344 acres (14,984 sqft) |
| Owner | Company Name on File |
| Last Sale | $230,000 (Jul 2026) |
| Tax Bill | $2,646 (2025) |
| Deeds & Mortgages | Jul 2026 Sale & Mortgage Feb 2018 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-26-30-0001-0099-0130 |
| Primary APN | 01-26-30-0001-0099-0130 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,769 sqft Living Area |
| Gross Area | 2,367 sqft |
| 1st Floor Area | 857 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1939 |
|---|---|
| Effective Year Built | Effective 2007 |
| Architectural Style | L-Shape |
| Exterior Material | Aluminum Siding |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 14,984 sqft (0.344 acres) |
| Lot Dimensions | 150 ft deep x 100 ft wide |
| Porch | Florida Room |
|---|---|
| Porch Area | 1,510 sqft |
| Patio Area | 1,132 sqft |
| Shed | 1 Shed |
| Shed Area | 80 sqft |
| Cooling System | Wall Unit |
|---|---|
| Heating System | HVAC |
| Street Address | 823 MISSOURI AVE |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-3260 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR2 |
| Legal Description | ST CLOUD PB B PG 34 BLK 99 LOTS 13 THRU 16 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 | 99 |
| Legal Lot Number | 13 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1023 |
| Census Tract | 43400 |
Source: Osceola County records · APN 01-26-30-0001-0099-0130
Assessment roll updated November 26, 2025 · Last verified August 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 File |
|---|---|
| Mailing Address | 16348 TUDOR LAKE CT, ORLANDO, FL 32828-6944 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Limited Liability Partnership |
| Date | Document |
|---|---|
| Jul 30, 2026 | Warranty Deed, Transfer · Conventional Mortgage KIAVI FUNDING INC |
| Feb 05, 2018 | Deed of Trust, Mortgage · Conventional Mortgage RP FUNDING INC |
| Feb 05, 2020 | Deed of Trust, Mortgage · VA Mortgage USAA FSB |
| Jan 23, 2019 | Warranty Deed, Transfer · VA Mortgage HOME1ST LENDING LLC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jul 30, 2026 · Amount on Record |
| Deed Sale | Jul 30, 2026 · Amount on Record |
| Prior Sale | Jan 23, 2019 · Amount on Record |
| Deed Document Number | 202699637 |
| Deed Book / Page | 7012 / 271 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jul 30, 2026 |
| Property Address | 823 MISSOURI AVE, SAINT CLOUD, FL 34769-3260 |
| Document Number | 0000099637 |
| Book / Page | 7012 / 271 |
| Instrument Date | Jul 24, 2026 |
| Instrument | 202699637 |
| Transaction Type | Transfer |
| Record Updated | Aug 11, 2026 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE OF FLO |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $162,610.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Limited Liability Partnership |
| Address | 16348 TUDOR LAKE CT, ORLANDO, FL 32828-6944 |
| Document Number | 0000099638, |
|---|---|
| Date | Jul 30, 2026 |
| Instrument | 202699638 |
| Name | KIAVI FUNDING INC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate | 6.47% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 823 MISSOURI AVE, SAINT CLOUD, FL 34769-3260 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0052792951 |
|---|---|
| Date | Feb 05, 2018 |
| Book Page | 5279/2951 |
| Instrument | 2018018650 |
| Name | RP FUNDING INC |
|---|---|
| Type | Mortgage Company |
| Address | MAITLAND, FL 32751 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 01, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 823 MISSOURI AVE, SAINT CLOUD, FL 34769-3260 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0056692555 |
|---|---|
| Date | Feb 05, 2020 |
| Book Page | 5669/2555 |
| Instrument | 2020018178 |
| Name | USAA FSB |
|---|---|
| Type | Bank |
| Address | SAN ANTONIO, TX 78288 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 01, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jan 23, 2019 |
| Property Address | 823 MISSOURI AVE, SAINT CLOUD, FL 34769-3260 |
| Document Number | 0054661584 |
| Book / Page | 5466 / 1584 |
| Map Reference | MB B PG 33&34 |
| Instrument Date | Jan 11, 2019 |
| Instrument | 2019009126 |
| Transaction Type | Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | EQUITABLE TITLE OF CELEBRATI |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,305.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4959 CYPRESS HAMMOCK DR, 4959, SAINT CLOUD, FL 34771-8920 |
| Name | Verified Name |
|---|---|
| Address | 823 MISSOURI AVE, SAINT CLOUD, FL 34769-3260 |
| Document Number | 2019009127 |
|---|---|
| Date | Jan 23, 2019 |
| Instrument | 2019009127 |
| Name | HOME1ST LENDING LLC |
|---|---|
| Type | Lending Institution |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2049 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,646.00 (+6.61%) Homeowner's exemption | $190,747 (+5.99%) | $260,100 (+9.24%) Land $63,200 Building $196,900 |
| 2023 | $2,482.00 (+3.89%) Homeowner's exemption | $179,973 (+3%) | $238,100 (+9.77%) Land $57,500 Building $180,600 |
| 2022 | $2,389.00 Homeowner's exemption | $174,732 | $216,900 Land $51,800 Building $165,100 |
Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 12 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 12 in force |
| 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 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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Lumen Technologies Fiber | 8,000 / 8,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: Hotwire Communications.
Based on FCC filings for 439 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | ST. CLOUD, CITY OF (3 WPS) serves 82,752 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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