1013 Alabama Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 1013 Alabama Ave, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,138 sqft · built 1980
Lot Size	0.172 acres (7,492 sqft)
Owner	2 Individual Names on Record
Last Sale	$185,000 (Nov 2007)
Tax Bill	$839 (2025)
Deeds & Mortgages	Sep 2026 Sale Jun 2023 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`01-26-30-0001-0151-0170`

Property Details

APN / Parcel Number

Primary APN	`01-26-30-0001-0151-0170`
Alternative APNs	`263001000101510170` `77787`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,138 sqft Living Area
Gross Area	1,686 sqft
1st Floor Area	1,138 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Architectural Style	Conventional
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,492 sqft (0.172 acres)
Lot Dimensions	150 ft deep x 0.5 ft wide
Garage Type	Attached
Garage Area	242 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	576 sqft
Porch	Patio
Porch Area	240 sqft
Deck Area	336 sqft
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	1013 ALABAMA AVE
City	SAINT CLOUD
State	FL
Zip	34769-3513
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR2
Legal Description	ST CLOUD PB B PG 34 BLK 151 LOTS 17 & 18 3/26/30
Legal Range	30E
Legal Township	26S
Legal Section	01
Legal Subdivision	ST CLOUD 2ND PLAT TOWN OF
Legal Tract	1
Legal Block	151
Legal Lot Number	17
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	4
Census Block	4013
Census Tract	43400

Owner

Source: Osceola County records, as of October 13, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1013 ALABAMA AVE, SAINT CLOUD, FL 34769-3513
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Sep 28, 2026	Deed, Transfer NONE LISTED ON DOCUMENT
Jun 15, 2023	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
May 25, 2017	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Oct 16, 2019	Deed of Trust, Mortgage · Line of Credit PNC BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 30, 2007 · Amount on Record
Deed Sale	Nov 30, 2007 · Amount on Record
Prior Sale	Sep 12, 2003 · Amount on Record
Deed Document Number	2007210752
Deed Book / Page	3601 / 2215
Last Transfer Date	Sep 26, 2026
Transfer Doc	0000124724
Record Updated	Oct 29, 2026

September 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 28, 2026
Property Address	1013 ALABAMA AVE, SAINT CLOUD, FL 34769-3513
Document Number	0000124724
Book / Page	7040 / 1888
Instrument Date	Sep 26, 2026
Instrument	2026124724
Transaction Type	Transfer
Record Updated	Oct 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Tax	$70.70
Amount Accuracy	Full Amount Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	1013 ALABAMA AVE, SAINT CLOUD, FL 34769-3513

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1013 ALABAMA AVE, SAINT CLOUD, FL 34769-3513
Transaction Type	Mortgage
Record Updated	Jun 26, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1013 ALABAMA AVE, SAINT CLOUD, FL 34769-3513

Mortgage

Document Number	0064251089
Date	Jun 15, 2023
Book Page	6425/1089
Instrument	2023077572

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Jun 1, 2063

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1013 ALABAMA AVE, SAINT CLOUD, FL 34769-3513
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0051540841
Date	May 25, 2017
Book Page	5154/0841
Instrument	2017077369

Lender

Name	PNC BANK NA
Type	Bank
Address	SAINT CLOUD, FL 34769

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	May 13, 2057

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1013 ALABAMA AVE, SAINT CLOUD, FL 34769-3513
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0056062519
Date	Oct 16, 2019
Book Page	5606/2519
Instrument	2019133774

Lender

Name	PNC BANK NA
Type	Bank
Address	PITTSBURGH, PA 15222

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	181 Months
Due	Nov 2, 2034

Tax Assessment & Valuation

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	$839.00 (+4.61%)	$89,787 (+5.99%)	$250,900 (+13.84%) Land $46,800 Building $204,100
2024	$802.00 (+4.7%)
2023	$766.00 (+5.95%) Homeowner's exemption	$84,716 (+3%)	$220,400 (+17.42%) Land $42,500 Building $177,900
2022	$723.00 Homeowner's exemption	$82,249	$187,700 Land $35,100 Building $152,600

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	4 in force
Nearby Flood Claims	5 (2009–2022)
Claims Outside the SFHA	5 of 5
Most Recent Claim	Sep 2022 · Hurricane Ian

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 93% of the US · lower than 94% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	Direct 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 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 439 locations within half a mile, as of December 31, 2025

Provider	Max 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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