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1107 Carolina Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 1107 Carolina Ave, Saint Cloud, FL 34769

Property Summary

Property TypeSingle Family Home
Details2 bd · 1 ba · 950 sqft · built 1970
Lot Size0.26 acres (11,326 sqft)
OwnerIndividual Name on Record
Last Sale$250,000 (Dec 2021)
Tax Bill$3,630 (2025)
Deeds & MortgagesApr 2023 Mortgage
Dec 2021 Sale & Mortgage
+ 2 more
Flood ZoneZone X (minimal risk)
APN78046

Property Details

APN / Parcel Number

Primary APN78046
Alternative APN
  • 012630000101780190

Interior

Bedrooms2 Beds
Full Baths1 Bath
Stories1 Story
Building Area950 sqft Heated Area
Gross Area1,432 sqft
1st Floor Area950 sqft
FlooringConcrete/Cement
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1970
Effective Year BuiltEffective 1990
Exterior MaterialConcrete Block
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialBuilt-Up Asphalt
Lot Area11,326 sqft (0.26 acres)
Lot Dimensions150 ft deep x 75 ft wide
Garage TypeCarport
CarportCarport

Exterior Amenities

PorchPorch
Porch Area170 sqft
Shed1 Shed
Shed Area60 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Account Number78046
Street Address1107 CAROLINA AVE
CitySAINT CLOUD
StateFL
Zip34769-3816
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeSR2
Legal DescriptionST CLOUD PB B PG 34 BLK 178 LOTS 19-21 1/26/30
Legal Range30E
Legal Township26S
Legal Section01
Legal SubdivisionST CLOUD
Legal Tract1
Legal Block178
Legal Lot Number19 20
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group5
Census Block5070
Census Tract43500

Owner

Source: Osceola County records, as of December 11, 2025

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

Owner of RecordIndividual Name on Record
Co-ownerCo-owner on Record
Mailing Address1107 CAROLINA AVE, SAINT CLOUD, FL 34769-3816
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Apr 25, 2023Deed of Trust, Mortgage · FHA Mortgage
PLANET HOME LENDING LLC
Dec 29, 2021Warranty Deed, Transfer · FHA Mortgage
MY MORTGAGE INC
Aug 19, 2021Warranty Deed, Transfer · Stand-Alone First Mortgage
EVARISTO FLORES LLC
Aug 19, 2021Warranty Deed, Transfer
FIRST INTERNATIONAL TITLE, FIRST INTERNATIONAL TTL INC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleDec 29, 2021 · Amount on Record
Deed SaleDec 29, 2021 · Amount on Record
Prior SaleAug 19, 2021 · Amount on Record
Deed Document Number2021201355
Deed Book / Page6118 / 2289
Record UpdatedJun 8, 2026

April 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address1107 CAROLINA AVE, SAINT CLOUD, FL 34769-3816
Transaction TypeMortgage
Record UpdatedMay 10, 2023

Transferred To (Grantee/Buyer)

NameVerified Name
Address1107 CAROLINA AVE, SAINT CLOUD, FL 34769-3816

Mortgage

Document Number0063941066
DateApr 25, 2023
Book Page6394/1066
Instrument2023049827
Lender
NamePLANET HOME LENDING LLC
TypeMortgage Company
AddressMERIDEN, CT 06450
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term345 Months
DueJan 1, 2052

December 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateDec 29, 2021
Property Address1107 CAROLINA AVE, SAINT CLOUD, FL 34769-3816
Document Number0061182289
Book / Page6118 / 2289
Map ReferenceMB B PG 33&34
Instrument DateDec 21, 2021
Instrument2021201355
Transaction TypeTransfer
Record UpdatedJan 14, 2022
Title CompanyA-Z TEAM TITLE LLC, A Z TEAM TITLE LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,750.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1114 E LAKE SHORE BLVD, 1114, KISSIMMEE, FL 34744-5415

Transferred To (Grantee/Buyer)

NameVerified Name
Address3567 GRANDE RESERVE WAY APT 208, 208, ORLANDO, FL 32837-4086

Mortgage

Document Number0061182291
DateDec 29, 2021
Instrument6118/2291
Lender
NameMY MORTGAGE INC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueJan 1, 2052

August 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateAug 19, 2021
Property Address1107 CAROLINA AVE, SAINT CLOUD, FL 34769-3816
Document Number0060261129
Book / Page6026 / 1129
Map ReferenceMB B PG 33&34
Instrument DateAug 2, 2021
Instrument2021129111
Transaction TypeTransfer
Record UpdatedSep 6, 2021
Title CompanyFIRST INTERNATIONAL TITLE, FIRST INTERNATIONAL TTL INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,206.80
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address11747 MALVERNS LOOP, 11747, ORLANDO, FL 32832-6028

Transferred To (Grantee/Buyer)

NameVerified Name
Address2806 PICKFAIR CT, KISSIMMEE, FL 34743-5651

Mortgage

Document Number60261131
DateAug 19, 2021
Instrument6026/1131
Lender
NameEVARISTO FLORES LLC
TypeNon-Lending Institution
Agreement
TypeStand-Alone First Mortgage
AmountAmount Recorded

August 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateAug 19, 2021
Property Address1107 CAROLINA AVE, SAINT CLOUD, FL 34769-3816
Document Number0060261127
Book / Page6026 / 1127
Map ReferenceMB B PG 33&34
Instrument DateJul 28, 2021
Instrument2021129110
Transaction TypeTransfer
Record UpdatedSep 6, 2021
Title CompanyFIRST INTERNATIONAL TITLE, FIRST INTERNATIONAL TTL INC

Transaction

AmountAmount Recorded
Tax$1,022.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address5058 EAGLE HARBOR RD, 5058, ALBION, NY 14411-9336

Transferred To (Grantee/Buyer)

NameVerified Name
Address11747 MALVERNS LOOP, ORLANDO, FL 32832-6028

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$3,630.00 (-9.79%) Homeowner's exemption$245,700 (+9.79%) Land $55,000 Building $190,700$245,700 (+9.79%) Land $55,000 Building $190,700
2023$4,024.00 (+10.07%)$223,800 (+10.41%) Land $50,000 Building $173,800$223,800 (+10.41%) Land $50,000 Building $173,800
2022$3,656.00$202,700 Land $45,000 Building $157,700$202,700 Land $45,000 Building $157,700

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 51 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies51 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

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

Wildfire RiskLow
lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood0.01% annual chance
ExposureNone
beyond ember reach

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

ProviderMax Down / Up (Mbps)
CenturyLink
Fiber		8,000 / 8,000
Spectrum
Cable · Fiber in parts of the area		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20
AT&T
Fixed Wireless		100 / 20

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