Osceola County property record for 1108 Alabama Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,201 sqft · built 1922 |
| Lot Size | 0.169 acres (7,405 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $140,000 (Aug 2009) |
| Tax Bill | $670 (2025) |
| Deeds & Mortgages | Jun 2018 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | 78234 |
| Primary APN | 78234 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,201 sqft Heated Area |
| Gross Area | 1,441 sqft |
| 1st Floor Area | 1,201 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1922 |
|---|---|
| Effective Year Built | Effective 1980 |
| Exterior Material | Fiber Cement Siding |
| Construction Type | Frame |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 7,405 sqft (0.169 acres) |
| Lot Dimensions | 150 ft deep x 50 ft wide |
| Porch | Open Porch |
|---|---|
| Porch Area | 120 sqft |
| Patio Area | 190 sqft |
| Shed | 1 Shed |
| Shed Area | 196 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 78234 |
|---|---|
| Street Address | 1108 ALABAMA AVE |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-3512 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR2 |
| Legal Description | ST CLOUD PB B PG 34 BLK 199 LOTS 4 & 5 3/26/30 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD |
| Legal Tract | 1 |
| Legal Block | 199 |
| Legal Lot Number | 3-5 5 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 4 |
| Census Block | 4018 |
| Census Tract | 43400 |
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 Record | Individual Name on Record |
|---|---|
| Mailing Address | 1108 ALABAMA AVE, SAINT CLOUD, FL 34769-3512 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 18, 2009 · Amount on Record |
| Deed Sale | Aug 18, 2009 · Amount on Record |
| Prior Sale | Dec 8, 2008 · Amount on Record |
| Deed Document Number | 2009131807 |
| Deed Book / Page | 3877 / 1754 |
| Record Updated | Jun 8, 2026 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1108 ALABAMA AVE, SAINT CLOUD, FL 34769-3512 |
| Document Number | 0054080698 |
| Instrument Date | Jun 6, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Oct 22, 2018 |
| Name | Verified Name |
|---|---|
| Address | 108 ALABAMA AVE ST CLOUD FL 34769, ST CLOUD, FL 34769 |
| Document Number | 0054080698 |
|---|---|
| Date | Sep 27, 2018 |
| Book Page | 005408/000698 |
| Instrument | 145688 |
| Name | JP MORGAN CHASE BK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43219-6009 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Sep 26, 2043 |
Source: Osceola County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $670.00 (+10.74%) Homeowner's exemption | $80,313 (+5.99%) | $236,900 (+13.35%) Land $46,800 Building $190,100 |
| 2023 | $605.00 (+3.6%) Homeowner's exemption | $75,777 (+3%) | $209,000 (+18.82%) Land $42,500 Building $166,500 |
| 2022 | $584.00 Homeowner's exemption | $73,570 | $175,900 Land $35,100 Building $140,800 |
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 |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.8% of the US · lower than 99.7% of Florida |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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 400 locations within half a mile, as of December 31, 2025
| Provider | Max 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 |
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