Osceola County property record for 1389 S Lake Ave, Saint Cloud, FL 34771
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,283 sqft · built 2000 |
| Lot Size | 0.689 acres (30,056 sqft) |
| Owner | Individual Name on File |
| Last Sale | $445,000 (Feb 2008) |
| Tax Bill | $4,074 (2025) |
| Deeds & Mortgages | Mar 2018 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 92772 |
| Primary APN | 92772 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,283 sqft Heated Area |
| Gross Area | 4,129 sqft |
| 1st Floor Area | 2,283 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2000 |
|---|---|
| Exterior Material | Aluminum Siding |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Rolled Roofing |
| Lot Area | 30,056 sqft (0.689 acres) |
| Lot Dimensions | 300 ft deep x 100 ft wide |
| Garage Type | Carport |
| Carport | Carport |
| Porch | Open Porch |
|---|---|
| Porch Area | 1,040 sqft |
| Fence | Fence |
| Shed | 1 Shed |
| Shed Area | 192 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 92772 |
|---|---|
| Street Address | 1389 S LAKE AVE |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-8288 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AC |
| Legal Description | RUNNYMEDE BLK 102 PB 1 PG 057 LOT 16 AND THAT PORTION OF VAC RUMMELL RD AND THAT PORTION OF VAC S LAKE AVE ABUTTING W SIDE |
| Legal Range | 31E |
| Legal Township | 25S |
| Legal Section | 29 |
| Legal Subdivision | OSCEOLA SHORES |
| Legal Tract | 4910 |
| Legal Block | 102 |
| Legal Lot Number | 16 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1052 |
| Census Tract | 43600 |
1389 S Lake Ave is owned and occupied by an individual who bought it in February 2008.
Source: Osceola County records, as of December 11, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1389 S LAKE AVE, SAINT CLOUD, FL 34771-8288 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 25, 2008 · Amount on File |
| Deed Sale | Feb 25, 2008 · Amount on File |
| Prior Sale | Feb 11, 2000 · Amount on File |
| Deed Document Number | 2008037154 |
| Deed Book / Page | 3647 / 0288 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1389 S LAKE AVE, SAINT CLOUD, FL 34771-8288 |
| Transaction Type | Mortgage |
| Record Updated | Feb 8, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0052992591 |
|---|---|
| Date | Mar 12, 2018 |
| Book Page | 5299/2591 |
| Instrument | 2018040726 |
| Name | CENTERSTATE BANK OF FLORIDA NA |
|---|---|
| Type | Bank |
| Address | SAINT CLOUD, FL 34771 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 119 Months |
| Due | Feb 22, 2028 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 1389 S Lake Ave was $4,074 with a homeowner's exemption.
Source: Osceola County assessment roll, as of July 1, 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 | $4,074.00 Homeowner's exemption | $283,520 | $430,800 Land $117,000 Building $313,800 |
| 2023 | $3,796.00 (+4.14%) Homeowner's exemption | $267,505 (+3%) | $425,100 (+12.22%) Land $117,000 Building $308,100 |
| 2022 | $3,645.00 Homeowner's exemption | $259,714 | $378,800 Land $117,000 Building $261,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1389 S Lake Ave in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 61.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File 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.
Wildfire risk around 1389 S Lake Ave is moderate, ranking above 69% of the US, with a 0.2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 69% of the US · above 50% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% 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 | LAKE RUNNYMEADE MOBILE HOME PARK private · serves 222 people · EPA ID FL3490770 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Dec 2024 |
| Also Mapped Here | ST. CLOUD, CITY OF (3 WPS) |
| Lead | 1 ppb (2024) action level 15 ppb |
Listed by EPA as a serious violator for missed monitoring and reporting.
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 8 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 6 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
May also be available: Xfinity.
5G (outdoors only) and 4G LTE
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