Osceola County property record for 1409 Alabama Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,637 sqft · built 1966 |
| Lot Size | 0.258 acres (11,238 sqft) |
| Owner | Individual Name on File |
| Last Sale | $157,000 (Oct 2017) |
| Tax Bill | $4,074 (2025) |
| Deeds & Mortgages | Feb 2024 Mortgage Oct 2021 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-26-30-0001-0267-0200 |
| Primary APN | 01-26-30-0001-0267-0200 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,637 sqft Living Area |
| Gross Area | 1,667 sqft |
| 1st Floor Area | 1,312 sqft |
| Flooring | Terrazzo |
| Interior Walls | Plaster |
| Year Built | Built 1966 |
|---|---|
| Effective Year Built | Effective 1981 |
| Architectural Style | Conventional |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 11,238 sqft (0.258 acres) |
| Lot Dimensions | 150 ft deep x 75 ft wide |
| Porch | Florida Room |
|---|---|
| Porch Area | 355 sqft |
| Shed | 1 Shed |
| Shed Area | 120 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 1409 ALABAMA AVE |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-4152 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR2 |
| Legal Description | ST CLOUD PB B PG 34 BLK 267 LOTS 20 - 22 10/26/30 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD 2ND PLAT TOWN OF |
| Legal Tract | 1 |
| Legal Block | 267 |
| Legal Lot Number | 20 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 4 |
| Census Block | 4047 |
| Census Tract | 43400 |
Source: Osceola County records · APN 01-26-30-0001-0267-0200
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 | 1409 ALABAMA AVE, SAINT CLOUD, FL 34769-4152 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
| Date | Document |
|---|---|
| Feb 28, 2024 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Oct 28, 2021 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Apr 21, 2020 | Deed of Trust, Mortgage · Conventional Mortgage ROYAL UNITED MORTGAGE LLC |
| Sep 05, 2018 | Deed of Trust, Mortgage · Conventional Mortgage AMERIHOME MORTGAGE COMPANY LLC |
| Oct 24, 2017 | Warranty Deed, Transfer · FHA Mortgage HOMESIDE FINANCIAL LLC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Oct 24, 2017 · Amount on Record |
| Deed Sale | Oct 24, 2017 · Amount on Record |
| Prior Sale | Jan 12, 2012 · Amount on Record |
| Deed Document Number | 2017153029 |
| Deed Book / Page | 5229 / 1686 |
| Prior Transfer Date | Aug 10, 2015 |
| Prior Transfer Doc | 0048620711 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1409 ALABAMA AVE, SAINT CLOUD, FL 34769-4152 |
| Transaction Type | Mortgage |
| Record Updated | Mar 08, 2024 |
| Name | Verified Name |
|---|---|
| Address | 1409 ALABAMA AVE, SAINT CLOUD, FL 34769-4152 |
| Document Number | 0065560717 |
|---|---|
| Date | Feb 28, 2024 |
| Book Page | 6556/717 |
| Instrument | 2024025666 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1409 ALABAMA AVE, SAINT CLOUD, FL 34769-4152 |
| Transaction Type | Mortgage |
| Record Updated | Nov 17, 2021 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 0060742877 |
|---|---|
| Date | Oct 28, 2021 |
| Book Page | 6074/2877 |
| Instrument | 2021167893 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1409 ALABAMA AVE, SAINT CLOUD, FL 34769-4152 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0057102724 |
|---|---|
| Date | Apr 21, 2020 |
| Book Page | 5710/2724 |
| Instrument | 2020054268 |
| Name | ROYAL UNITED MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | INDIANAPOLIS, IN 46250 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1409 ALABAMA AVE, SAINT CLOUD, FL 34769-4152 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | UNISOURCE TITLE |
| Name | Verified Name |
|---|
| Document Number | 0053960183 |
|---|---|
| Date | Sep 05, 2018 |
| Book Page | 5396/0183 |
| Instrument | 2018133876 |
| Name | AMERIHOME MORTGAGE COMPANY LLC |
|---|---|
| Type | Mortgage Company |
| Address | WOODLAND HILLS, CA 91367 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 01, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Oct 24, 2017 |
| Property Address | 1409 ALABAMA AVE, SAINT CLOUD, FL 34769-4152 |
| Document Number | 0052291686 |
| Book / Page | 5229 / 1686 |
| Map Reference | MB B PG33&34 |
| Instrument Date | Sep 25, 2017 |
| Instrument | 2017153029 |
| Transaction Type | Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | PUBLIC TITLE SERVICES LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,099.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 9035 PEPPERIDGE LN SE, 9035, YELM, WA 98597-9725 |
| Name | Verified Name |
|---|---|
| Address | 1409 ALABAMA AVE, SAINT CLOUD, FL 34769-4152 |
| Document Number | 0052291688 |
|---|---|
| Date | Oct 24, 2017 |
| Instrument | 5229/1688 |
| Name | HOMESIDE FINANCIAL LLC |
|---|---|
| Type | Funding / Finance Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 01, 2047 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
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 | $4,074.00 (+120.45%) Homeowner's exemption Senior Citizen's exemption | $162,113 (+5.99%) | $290,700 (+13.38%) Land $55,000 Building $235,700 |
| 2024 | $1,848.00 (+3.41%) | ||
| 2023 | $1,787.00 (+4.63%) Homeowner's exemption Senior Citizen's exemption | $152,957 (+3%) | $256,400 (+16.86%) Land $50,000 Building $206,400 |
| 2022 | $1,708.00 Homeowner's exemption Senior Citizen's exemption | $148,502 | $219,400 Land $45,000 Building $174,400 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), as of September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970434004, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 4 in force |
| Nearby Flood Claims | 5 (2009–2022) |
| Claims Outside the SFHA | 5 of 5 |
| Most Recent Claim | Sep 2022 · Hurricane Ian |
| Wildfire Risk | Low lower than 94% of the US · lower than 94% of Florida |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Lumen Technologies Fiber | 8,000 / 8,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
Based on FCC filings for 400 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System, water system FL3491373, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | ST. CLOUD, CITY OF (3 WPS) serves 82,752 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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