Osceola County property record for 1116 Carolina Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,630 sqft · built 2005 |
| Lot Size | 0.169 acres (7,405 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $217,500 (Jun 2017) |
| Tax Bill | $3,170 (2025) |
| Deeds & Mortgages | Oct 2020 Mortgage Jun 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 78051 |
| Primary APN | 78051 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,630 sqft Heated Area |
| Gross Area | 2,164 sqft |
| 1st Floor Area | 1,630 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2005 |
|---|---|
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 7,405 sqft (0.169 acres) |
| Lot Dimensions | 150 ft deep x 50 ft wide |
| Garage Type | Finished |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 500 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 134 sqft |
| Deck Area | 700 sqft |
| Fence | Fence |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 78051 |
|---|---|
| Street Address | 1116 CAROLINA AVE |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-3817 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR2 |
| Legal Description | ST CLOUD PB B PG 34 BLK 179 LOTS 8 & 9 1/26/30 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD |
| Legal Tract | 1 |
| Legal Block | 179 |
| Legal Lot Number | 1,8-9 9 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 5 |
| Census Block | 5071 |
| Census Tract | 43500 |
1116 Carolina Ave is owned and occupied by two individuals who bought it in June 2017.
Source: Osceola County records, as of December 11, 2025
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1116 CAROLINA AVE, SAINT CLOUD, FL 34769-3817 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 5, 2020 | Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE AFFINITY LLC |
| Jun 22, 2017 | Warranty Deed, Transfer · FHA Mortgage STEARNS LNDG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 22, 2017 · Amount on File |
| Deed Sale | Jun 22, 2017 · Amount on File |
| Prior Sale | Aug 11, 2008 · Amount on File |
| Deed Document Number | 2017091175 |
| Deed Book / Page | 5168 / 0253 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1116 CAROLINA AVE, SAINT CLOUD, FL 34769-3817 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 1116 CAROLINA AVE, SAINT CLOUD, FL 34769-3817 |
| Document Number | 0058052294 |
|---|---|
| Date | Oct 5, 2020 |
| Book Page | 5805/2294 |
| Instrument | 2020132875 |
| Name | GUARANTEED RATE AFFINITY LLC |
|---|---|
| Type | Mortgage Company |
| Address | BUCYRUS, KS 66013 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jun 22, 2017 |
| Property Address | 1116 CAROLINA AVE, SAINT CLOUD, FL 34769-3817 |
| Document Number | 0051680253 |
| Book / Page | 005168 / 000253 |
| Instrument Date | Jun 19, 2017 |
| Instrument | 91175 |
| Transaction Type | Transfer |
| Record Updated | Jul 21, 2017 |
| Title Company | STEWART TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,522.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1116 CAROLINA AVE ST CLOUD FL 347693817, ST CLOUD, FL 34769-3817 |
| Document Number | 51680254 |
|---|---|
| Date | Jun 22, 2017 |
| Book Page | 005168/000254 |
| Instrument | 91176 |
| Name | STEARNS LNDG |
|---|---|
| Address | SANTA ANA, CA 92707-8788 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 21, 2047 |
The 2025 property tax bill for 1116 Carolina Ave was $3,170 with a homeowner's exemption.
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 | $3,170.00 Homeowner's exemption | $219,996 | $400,700 Land $46,800 Building $353,900 |
| 2023 | $2,979.00 (+3.73%) Homeowner's exemption | $207,569 (+3%) | $366,400 (+10.03%) Land $42,500 Building $323,900 |
| 2022 | $2,872.00 Homeowner's exemption | $201,524 | $333,000 Land $35,100 Building $297,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1116 Carolina Ave in Zone X, an area of minimal flood risk.
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 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 risk around 1116 Carolina Ave is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 93% of Florida |
|---|---|
| Wildfire Likelihood | 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 458 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 |
| AT&T Fixed Wireless | 100 / 20 |
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