Osceola County property record for 1049 Albany Ave, Saint Cloud, FL 34771
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,026 sqft · built 1991 |
| Lot Size | 1.03 acres (44,997 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $2,203 (2025) |
| Deeds & Mortgages | Apr 2025 Transfer Jan 2019 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 29-25-31-4910-0042-0010 |
| Primary APN | 29-25-31-4910-0042-0010 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,026 sqft Living Area |
| Gross Area | 2,856 sqft |
| 1st Floor Area | 2,026 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1991 |
|---|---|
| Effective Year Built | Effective 1991 |
| Architectural Style | Conventional |
| Exterior Material | Combination |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 44,997 sqft (1.03 acres) |
| Lot Dimensions | 150 ft deep x 300 ft wide |
| Porch | Finished/Open Porch |
| Porch Area | 830 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 1049 ALBANY AVE |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-8235 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AC |
| Legal Description | TOWN OF RUNNYMEDE PB 1 PGS 4-5 BLK 42 LOTS 1-4 |
| Legal Range | 31E |
| Legal Township | 25S |
| Legal Section | 29 |
| Legal Subdivision | RUNNYMEDE NORTH HALF TOWN OF |
| Legal Tract | 4910 |
| Legal Block | 42 |
| Legal Lot Number | 1 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1033 |
| Census Tract | 43600 |
Source: Osceola County assessment roll, as of November 26, 2025
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 File |
|---|---|
| Mailing Address | 1049 ALBANY AVE, SAINT CLOUD, FL 34771-8235 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
| Date | Document |
|---|---|
| Apr 23, 2025 | Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION |
| Jan 29, 2019 | Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK CENTRAL FLORIDA |
| Aug 29, 2019 | Quit Claim Deed, Transfer NOT AVAILABLE |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Transfer Date | Apr 22, 2025 |
| Transfer Doc | 0067751583 |
| Record Updated | Jun 8, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Apr 23, 2025 |
| Property Address | 1049 ALBANY AVE, SAINT CLOUD, FL 34771-8235 |
| Document Number | 0067751583 |
| Book / Page | 6775 / 1583 |
| Map Reference | MB 1 PG 4&5 |
| Instrument Date | Apr 22, 2025 |
| Instrument | 2025050929 |
| Transaction Type | Transfer |
| Record Updated | Dec 12, 2025 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1049 ALBANY AVE, SAINT CLOUD, FL 34771-8235 |
| Name | Verified Name |
|---|---|
| Address | 1049 ALBANY AVE, SAINT CLOUD, FL 34771-8235 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1049 ALBANY AVE, SAINT CLOUD, FL 34771-8235 |
| Transaction Type | Mortgage |
| Record Updated | Feb 8, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0054682949 |
|---|---|
| Date | Jan 29, 2019 |
| Book Page | 5468/2949 |
| Instrument | 2019011398 |
| Name | FIFTH THIRD BANK CENTRAL FLORIDA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45263 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Dec 25, 2048 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Aug 29, 2019 |
| Property Address | 1049 ALBANY AVE, SAINT CLOUD, FL 34771-8235 |
| Document Number | 0055812009 |
| Book / Page | 005581 / 002009 |
| Instrument Date | Aug 28, 2019 |
| Instrument | 112388 |
| Transaction Type | Transfer |
| Record Updated | Sep 10, 2019 |
| Title Company | NOT AVAILABLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.70 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1049 ALBANY AVE ST CLOUD FL 347718235, ST CLOUD, FL 34771-8235 |
Source: Osceola County assessment roll, as of November 26, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,203.00 (+6.79%) | $153,440 (+5.99%) | $282,200 (+8.87%) Land $72,100 Building $210,100 |
| 2024 | $2,063.00 (+2.53%) | ||
| 2023 | $2,012.00 (+1.67%) Homeowner's exemption Widower's exemption | $144,773 (+3%) | $259,200 (+11.97%) Land $72,100 Building $187,100 |
| 2022 | $1,979.00 Homeowner's exemption | $140,557 | $231,500 Land $72,100 Building $159,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 278 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 278 in force |
| Nearby Flood Claims | 24 (1994–2022) |
| Claims Outside the SFHA | 2 of 24 |
| Most Recent Claim | Sep 2022 · Hurricane Ian |
| Claims by Event |
|
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: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 71% of the US · above 53% of Florida |
|---|---|
| Wildfire Likelihood | 0.4% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 50 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Cable | 1,200 / 35 |
| Spectrum Cable | 1,000 / 1,000 |
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