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1406 Alabama Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 1406 Alabama Ave, Saint Cloud, FL 34769

Property Summary

Property TypeSingle Family Home
Details3 bd · 1 ba · 780 sqft · built 1920
Lot Size0.172 acres (7,492 sqft)
OwnerIndividual Name on Record
Last Sale$245,000 (Aug 2022)
Tax Bill$2,404 (2025)
Deeds & MortgagesAug 2022 Sale & Mortgage
Aug 2022 Transfer
+ 2 more
Flood ZoneZone X (minimal risk)
APN01-26-30-0001-0266-0030

Property Details

APN / Parcel Number

Primary APN01-26-30-0001-0266-0030
Alternative APNs
  • 263001000102660030
  • 78653

Interior

Bedrooms3 Beds
Full Baths1 Bath
Stories1 Story
Building Area780 sqft Living Area
Gross Area974 sqft
1st Floor Area780 sqft
FlooringWood
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1920
Effective Year BuiltEffective 2005
Architectural StyleL-Shape
Exterior MaterialAluminum Siding
Construction TypeFrame
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area7,492 sqft (0.172 acres)
Lot Dimensions150 ft deep x 0.5 ft wide
PorchFlorida Room
Porch Area194 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address1406 ALABAMA AVE
CitySAINT CLOUD
StateFL
Zip34769-4153
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeSR2
Legal DescriptionST CLOUD PB B PG 34 BLK 266 LOTS 3 & 4 10/26/30
Legal Range30E
Legal Township26S
Legal Section01
Legal SubdivisionST CLOUD 2ND PLAT TOWN OF
Legal Tract1
Legal Block266
Legal Lot Number3
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group4
Census Block4048
Census Tract43400

Owner

Source: Osceola County records, as of November 26, 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
Mailing Address1406 ALABAMA AVE, SAINT CLOUD, FL 34769-4153
OccupancyOwner Occupied
Owner TypeIndividual
VestingSingle Woman

Deeds, Mortgages & Sale History

DateDocument
Aug 15, 2022Warranty Deed, Transfer · FHA Mortgage
CALIBER HOME LOANS INC
Aug 12, 2022Correction Deed
SUNSHINE STATE TITLE, SUNSHINE STATE T&E
Oct 15, 2021Warranty Deed, Construction Loan · Construction Mortgage
HOMETOWN EQUITY MORTGAGE
Apr 12, 2021Warranty Deed, Transfer
LAND TITLE CORPORATION, LAND TITLE PROFESSIONALS LLC

Assessor's Deed Record

Deed NamesName on Deed
Last SaleAug 15, 2022 · Amount on Record
Deed SaleAug 15, 2022 · Amount on Record
Prior SaleApr 12, 2021 · Amount on Record
Deed Document Number2022124431
Deed Book / Page6268 / 2044
Prior Transfer DateMar 25, 2009
Prior Transfer Doc0000057291
Record UpdatedOct 29, 2026

August 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateAug 15, 2022
Property Address1406 ALABAMA AVE, SAINT CLOUD, FL 34769-4153
Document Number0062682044
Book / Page6268 / 2044
Map ReferenceMB B PG 33&34
Instrument DateAug 12, 2022
Instrument2022124431
Transaction TypeTransfer
Record UpdatedFeb 10, 2023
Title CompanySUNSHINE STATE T&E LLC

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$1,715.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address6835 NARCOOSSEE RD STE 13, 13, ORLANDO, FL 32822-5579

Transferred To (Grantee/Buyer)

NameVerified Name
Address1406 ALABAMA AVE, SAINT CLOUD, FL 34769-4153

Mortgage

Document Number0062682048
DateAug 15, 2022
Instrument6268/2048
Lender
NameCALIBER HOME LOANS INC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueSep 1, 2052

Mortgage

Document Number0062682023
DateAug 15, 2022
Book Page6268/2023
Instrument2022124427
Lender
NameCALIBER HOME LOANS INC
TypeMortgage Company
AddressCOPPELL, TX 75019
Agreement
TypeStand-Alone Second Mortgage
AmountAmount Recorded

August 2022: Correction Deed

Document TypeCorrection Deed
JurisdictionOSCEOLA FL
Recording DateAug 12, 2022
Property Address1406 ALABAMA AVE, SAINT CLOUD, FL 34769-4153
Document Number0062681444
Book / Page6268 / 1444
Map ReferenceMB B PG 33&34
Instrument DateAug 12, 2022
Instrument2022124234
Record UpdatedFeb 10, 2023
Title CompanySUNSHINE STATE TITLE, SUNSHINE STATE T&E

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated

Transferred From (Grantor/Seller)

NameVerified Name
Address6835 NARCOOSSEE RD STE 13, 13, ORLANDO, FL 32822-5579

Transferred To (Grantee/Buyer)

NameVerified Name
Address1309 COFFEEN AVE # 1200, 1200, SHERIDAN, WY 82801-5777

October 2021: Warranty Deed, Construction Loan

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateOct 15, 2021
Property Address1406 ALABAMA AVE, SAINT CLOUD, FL 34769-4153
Document Number0060660873
Book / Page6066 / 873
Map ReferenceMB B PG 33
Instrument DateOct 8, 2021
Instrument2021161085
Transaction TypeConstruction Loan
Record UpdatedFeb 10, 2023
Title CompanyINDEPENDENCE TITLE LC, INDEPENDENCE TITLE INC

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address5057 COVEVIEW DR # 13, 13, SAINT CLOUD, FL 34771-7966

Transferred To (Grantee/Buyer)

NameVerified Name
Address5057 COVEVIEW DR # 13, 13, SAINT CLOUD, FL 34771-7966

Mortgage

Document Number0006066875
DateOct 15, 2021
Instrument6066/875
Lender
NameHOMETOWN EQUITY MORTGAGE
TypeMortgage Company
Agreement
TypeConstruction Mortgage
AmountAmount Recorded
Term361 Months
DueNov 1, 2051

April 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateApr 12, 2021
Property Address1406 ALABAMA AVE, SAINT CLOUD, FL 34769-4153
Document Number0059321618
Book / Page5932 / 1618
Map ReferenceMB B PG 33
Instrument DateApr 7, 2021
Instrument2021054149
Transaction TypeTransfer
Record UpdatedFeb 10, 2023
Title CompanyLAND TITLE CORPORATION, LAND TITLE PROFESSIONALS LLC

Transaction

AmountAmount Recorded
Tax$735.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1400 VILLAGE SQUARE BLVD STE 3, 3, TALLAHASSEE, FL 32312-1231

Transferred To (Grantee/Buyer)

NameVerified Name
Address5057 COVEVIEW DR, SAINT CLOUD, FL 34771-7966

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 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$2,404.00 (+3.71%) Homeowner's exemption$177,210 (+5.99%)$183,600 (+9.81%) Land $46,800 Building $136,800
2024$2,318.00 (+2.93%)
2023$2,252.00 (+22.99%) Homeowner's exemption$167,200 (+64.89%) Land $42,500 Building $124,700$167,200 (+64.89%) Land $42,500 Building $124,700
2022$1,831.00$101,400 Land $35,100 Building $66,300$101,400 Land $35,100 Building $66,300

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies4 in force
Nearby Flood Claims5 (2009–2022)
Claims Outside the SFHA5 of 5
Most Recent ClaimSep 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.

Wildfire

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

Wildfire RiskLow
lower than 94% of the US · lower than 94% of Florida
Wildfire Likelihood0.03% 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 400 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

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