Osceola County property record for 1410 Minnesota Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,162 sqft · built 2005 |
| Lot Size | 0.241 acres (10,497 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $249,200 (Jul 2017) |
| Tax Bill | $3,941 (2025) |
| Deeds & Mortgages | Jan 2021 Mortgage Jul 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-26-30-0001-0274-0050 |
| Primary APN | 01-26-30-0001-0274-0050 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 1 Room |
| Stories | 1 Story |
| Building Area | 2,162 sqft Living Area |
| Gross Area | 2,878 sqft |
| 1st Floor Area | 2,162 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Architectural Style | Conventional |
| Exterior Material | Concrete Block |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 10,497 sqft (0.241 acres) |
| Lot Dimensions | 140 ft deep x 75 ft wide |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | In-Ground Pool |
|---|---|
| Pool Area | 350 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 296 sqft |
| Deck Area | 638 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Central |
| Street Address | 1410 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 5 THRU 7 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 | 5 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1045 |
| Census Tract | 43400 |
1410 Minnesota Ave is owned and occupied by two individuals who bought it in July 2017.
Source: Osceola County records, as of November 26, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1410 MINNESOTA AVE, SAINT CLOUD, FL 34769-4358 |
| 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.
| Date | Document |
|---|---|
| Jan 14, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FAIRWINDS CU |
| Jul 27, 2017 | Warranty Deed, Transfer · Conventional Mortgage HAMILTON GROUP FUNDING INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 27, 2017 · Amount on File |
| Deed Sale | Jul 27, 2017 · Amount on File |
| Prior Sale | Feb 20, 2009 · Amount on File |
| Deed Document Number | 2017108741 |
| Deed Book / Page | 5185 / 827 |
| Prior Transfer Date | Jan 26, 2009 |
| Prior Transfer Doc | 0038010942 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1410 MINNESOTA AVE, SAINT CLOUD, FL 34769-4358 |
| Transaction Type | Mortgage |
| Record Updated | Aug 1, 2022 |
| Title Company | MORTGAGE TITLE SERVICES INC, MORTGAGEE TITLE SERVICES INC |
| Name | Verified Name |
|---|---|
| Address | 1410 MINNESOTA AVE, SAINT CLOUD, FL 34769-4358 |
| Document Number | 0058702525 |
|---|---|
| Date | Jan 14, 2021 |
| Book Page | 5870/2525 |
| Instrument | 2021006393 |
| Name | FAIRWINDS CU |
|---|---|
| Type | Credit Union |
| Address | ORLANDO, FL 32826 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jul 27, 2017 |
| Property Address | 1410 MINNESOTA AVE, SAINT CLOUD, FL 34769-4358 |
| Document Number | 0051850827 |
| Book / Page | 5185 / 0827 |
| Map Reference | MB B PG33&34 |
| Instrument Date | Jul 17, 2017 |
| Instrument | 2017108741 |
| Transaction Type | Transfer |
| Record Updated | Aug 1, 2022 |
| Title Company | TITLECORP OF AMERICA LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,744.40 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1410 MINNESOTA AVE, 1410, SAINT CLOUD, FL 34769-4358 |
| Name | Verified Name |
|---|---|
| Address | 1745 CHRISTINA LEE LN, SAINT CLOUD, FL 34769-4911 |
| Document Number | 0051850828 |
|---|---|
| Date | Jul 27, 2017 |
| Instrument | 5185/0828 |
| Name | HAMILTON GROUP FUNDING INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2047 |
The 2025 property tax bill for 1410 Minnesota Ave was $3,941 with a homeowner's exemption, up 3.5% from the year before.
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 | $3,941.00 (+3.49%) Homeowner's exemption | $263,107 | $470,000 Land $55,000 Building $415,000 |
| 2024 | $3,808.00 (+4.41%) | ||
| 2023 | $3,647.00 (+3.55%) Homeowner's exemption | $244,687 (+3%) | $426,500 (+9.5%) Land $50,000 Building $376,500 |
| 2022 | $3,522.00 Homeowner's exemption | $237,561 | $389,500 Land $45,000 Building $344,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1410 Minnesota Ave in Zone X, an area of minimal flood risk.
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 File 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.
The area around 1410 Minnesota Ave has no burnable land within ember reach, so its wildfire risk is not rated.
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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