10 Carolina Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 10 Carolina Ave, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,737 sqft · built 1973
Lot Size	0.23 acres (10,018 sqft)
Owner	2 Individual Names on File
Last Sale	$7,000 (May 2015)
Tax Bill	$4,996 (2025)
Deeds & Mortgages	Jun 2021 Mortgage
Flood Zone	Zone AE (high risk)
APN	`01-26-30-0650-0001-0330`

Property Details

APN / Parcel Number

Primary APN	`01-26-30-0650-0001-0330`
Alternative APNs	`263001065000010330` `80685`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,737 sqft Living Area
Gross Area	2,010 sqft
1st Floor Area	1,464 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Architectural Style	L-Shape
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	10,018 sqft (0.23 acres)
Lot Dimensions	100 ft deep x 100 ft wide

Exterior Amenities

Porch	Florida Room
Porch Area	481 sqft
Patio Area	312 sqft
Shed	1 Shed
Shed Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	10 CAROLINA AVE
City	SAINT CLOUD
State	FL
Zip	34769-2407
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR1A
Legal Description	ST CLOUD BLVD LOTS S 100 FT LOT 33
Legal Range	30E
Legal Township	26S
Legal Section	01
Legal Subdivision	LAKE FRONT ADD TO TOWN OF ST CLOUD
Legal Tract	650
Legal Block	330
Legal Lot Number	33
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	5
Census Block	5015
Census Tract	43500

Owner

10 Carolina Ave is owned and occupied by two individuals who bought it in May 2015.

Source: Osceola County records, as of October 12, 2026

Owner of Record	2 Individual Names on File
Mailing Address	10 CAROLINA AVE, SAINT CLOUD, FL 34769-2407
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 27, 2015 · Amount on File
Deed Sale	May 27, 2015 · Amount on File
Deed Document Number	201574686
Deed Book / Page	4784 / 1
Prior Transfer Date	May 15, 2015
Prior Transfer Doc	0047840001
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	10 CAROLINA AVE, SAINT CLOUD, FL 34769-2407
Transaction Type	Mortgage
Record Updated	Jul 8, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 CAROLINA AVE, SAINT CLOUD, FL 34769-2407

Mortgage

Document Number	0059871559
Date	Jun 23, 2021
Book Page	5987/1559
Instrument	2021098330

Lender

Name	NORTHPOINT MORTGAGE INC
Type	Mortgage Company
Address	FISKDALE, MA 01518

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jul 1, 2036

Tax Assessment & Valuation

The 2025 property tax bill for 10 Carolina Ave was $4,996, up 175.6% from the year before.

Source: Osceola County assessment roll, as of November 26, 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	$4,996.00 (+175.57%)	$278,900 Land $75,000 Building $203,900	$278,900 Land $75,000 Building $203,900
2024	$1,813.00 (+3.25%)
2023	$1,756.00 (+4.28%) Homeowner's exemption	$139,691 (+3%)	$223,100 (+20.59%) Land $65,000 Building $158,100
2022	$1,684.00 Homeowner's exemption	$135,623	$185,000 Land $55,000 Building $130,000

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

Flood

FEMA maps place 10 Carolina Ave in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	61.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 51 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	51 in force

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

Wildfire risk around 10 Carolina Ave is low, with a 0.05% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 63% of the US · lower than 89% of Florida
Wildfire Likelihood	0.05% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	2,000 / 1,000
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20