Osceola County property record for 1406 Minnesota Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,212 sqft · built 1920 |
| Lot Size | 0.161 acres (7,013 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $255,000 (Nov 2021) |
| Tax Bill | $3,091 (2025) |
| Deeds & Mortgages | Nov 2021 Sale & Mortgage Dec 2019 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-26-30-0001-0274-0030 |
| Primary APN | 01-26-30-0001-0274-0030 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,212 sqft Living Area |
| Gross Area | 1,352 sqft |
| 1st Floor Area | 1,072 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1999 |
| Architectural Style | L-Shape |
| Exterior Material | Aluminum Siding |
| 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 |
| Porch | Florida Room |
|---|---|
| Porch Area | 140 sqft |
| Deck Area | 120 sqft |
| Utility Building | 325 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 1406 MINNESOTA AVE |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-4358 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR3 |
| Legal Description | ST CLOUD PB B PG 34 BLK 274 LOTS 3 & 4 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 | 274 |
| Legal Lot Number | 3 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1045 |
| Census Tract | 43400 |
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 Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 1406 MINNESOTA AVE, SAINT CLOUD, FL 34769-4358 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Nov 15, 2021 | Warranty Deed, Transfer · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC |
| Dec 31, 2019 | Warranty Deed, Transfer STEWART TITLE |
| Apr 9, 2019 | Warranty Deed, Transfer NOT AVAILABLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 15, 2021 · Amount on Record |
| Deed Sale | Nov 15, 2021 · Amount on Record |
| Prior Sale | Dec 31, 2019 · Amount on Record |
| Deed Document Number | 2021177457 |
| Deed Book / Page | 6087 / 242 |
| Prior Transfer Date | Apr 5, 2019 |
| Prior Transfer Doc | 0055042710 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Nov 15, 2021 |
| Property Address | 1406 MINNESOTA AVE, SAINT CLOUD, FL 34769-4358 |
| Document Number | 0060870242 |
| Book / Page | 6087 / 242 |
| Map Reference | MB B PG 33 |
| Instrument Date | Nov 12, 2021 |
| Instrument | 2021177457 |
| Transaction Type | Transfer |
| Record Updated | Nov 26, 2021 |
| Title Company | STEWART TITLE COMPANY-F, STEWART TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,785.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 324 LOUISIANA AVE, 324, SAINT CLOUD, FL 34769-2660 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1406 MINNESOTA AVE, SAINT CLOUD, FL 34769-4358 |
| Document Number | 6087243 |
|---|---|
| Date | Nov 15, 2021 |
| Instrument | 6087/243 |
| Name | ATLANTIC BAY MORTGAGE GROUP LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Dec 31, 2019 |
| Property Address | 1406 MINNESOTA AVE, SAINT CLOUD, FL 34769-4358 |
| Document Number | 0056501517 |
| Book / Page | 005650 / 001517 |
| Instrument Date | Dec 16, 2019 |
| Instrument | 169702 |
| Transaction Type | Transfer |
| Record Updated | Jan 20, 2020 |
| Title Company | STEWART TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,050.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1406 MINNESOTA AVE ST CLOUD FL 347694358, ST CLOUD, FL 34769-4358 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Apr 9, 2019 |
| Property Address | 1406 MINNESOTA AVE, SAINT CLOUD, FL 34769-4358 |
| Document Number | 0055042710 |
| Book / Page | 005504 / 002710 |
| Instrument Date | Apr 5, 2019 |
| Instrument | 44591 |
| Transaction Type | Transfer |
| Record Updated | Apr 24, 2019 |
| Title Company | NOT AVAILABLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.70 |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Life Estate |
| Address | 1406 MINNESOTA AVE ST CLOUD FL 347694358, ST CLOUD, FL 34769-4358 |
Source: Osceola County assessment roll, as of November 26, 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 | $3,091.00 (+3.59%) Homeowner's exemption | $215,603 (+5.99%) | $248,000 (+13.92%) Land $46,800 Building $201,200 |
| 2024 | $2,984.00 (+2.75%) | ||
| 2023 | $2,904.00 (+3.71%) Homeowner's exemption | $203,425 (+3%) | $217,700 (+10.23%) Land $34,000 Building $183,700 |
| 2022 | $2,800.00 Homeowner's exemption | $197,500 Land $30,600 Building $166,900 | $197,500 Land $30,600 Building $166,900 |
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 |
| Flood Insurance Cost | Premium on Record median of 12 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 12 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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 470 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CenturyLink Fiber | 8,000 / 8,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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