1401 Florida Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 1401 Florida Ave, Saint Cloud, FL 34769 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,481 sqft · built 1930
Lot Size	0.161 acres (7,013 sqft)
Owner	Individual Name on File
Last Sale	$192,900 (Mar 2020)
Tax Bill	$2,962 (2025)
Deeds & Mortgages	Mar 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-26-30-0001-0280-0230`

Property Details

APN / Parcel Number

Primary APN	`01-26-30-0001-0280-0230`
Alternative APNs	`263001000102800230` `78807`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,481 sqft Living Area
Gross Area	3,063 sqft
1st Floor Area	1,415 sqft
Upper Floors Area	240 sqft
Flooring	Wood
Interior Walls	Plaster

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1950
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	7,013 sqft (0.161 acres)
Lot Dimensions	140 ft deep x 0.5 ft wide
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Florida Room
Porch Area	832 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	1401 FLORIDA AVE
City	SAINT CLOUD
State	FL
Zip	34769-4423
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ST CLOUD PB B PG 34 BLK 280 LOTS 23 & 24 11/26/30
Legal Range	30E
Legal Township	26S
Legal Section	01
Legal Subdivision	ST CLOUD 2ND PLAT TOWN OF
Legal Tract	1
Legal Block	280
Legal Lot Number	23
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	4
Census Block	4082
Census Tract	43500

Owner

Source: Osceola County records · APN 01-26-30-0001-0280-0230

Assessment roll updated November 26, 2025 · Last verified April 2026

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

Owner of Record	Individual Name on File
Mailing Address	1401 FLORIDA AVE, SAINT CLOUD, FL 34769-4423
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Mar 16, 2020 · Amount on Record
Deed Sale	Mar 16, 2020 · Amount on Record
Prior Sale	Nov 02, 2015 · Amount on Record
Deed Document Number	202037852
Deed Book / Page	5693 / 628
Prior Transfer Date	Dec 31, 2004
Prior Transfer Doc	0026822879
Record Updated	Jun 08, 2026

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 16, 2020
Property Address	1401 FLORIDA AVE, SAINT CLOUD, FL 34769-4423
Document Number	0056930628
Book / Page	5693 / 628
Map Reference	MB B PG 33&34
Instrument Date	Mar 13, 2020
Instrument	2020037852
Transaction Type	Transfer
Record Updated	Feb 08, 2022
Title Company	STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,350.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	434 WINDOVER CT, 434, MELBOURNE, FL 32934-8029

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1401 FLORIDA AVE, SAINT CLOUD, FL 34769-4423

Mortgage

Document Number	0056930629
Date	Mar 16, 2020
Instrument	5693/0629

Lender

Name	BROKER SOLUTIONS INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 01, 2050

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 2026

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Municipality	St. Cloud City
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,962.00 (+3.6%) Homeowner's exemption	$208,398 (+5.99%)	$263,800 (+17.87%) Land $46,800 Building $217,000
2024	$2,859.00 (+2.77%)
2023	$2,782.00 (+3.77%) Homeowner's exemption	$196,627 (+3%)	$223,800 (+17.23%) Land $34,000 Building $189,800
2022	$2,681.00 Homeowner's exemption	$190,900 Land $30,600 Building $160,300	$190,900 Land $30,600 Building $160,300

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970435004, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 15 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	15 in force 11 of 15 on primary residences
Nearby Flood Claims	2 (1983–2003)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Aug 2003, tidal / storm surge

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.