1421 4th St, Saint Cloud, FL 34769 Property Records

Osceola County property record for 1421 4th St, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,382 sqft · built 1953
Lot Size	0.172 acres (7,492 sqft)
Owner	2 Individual Names on Record
Last Sale	$43,000 (Aug 2013)
Tax Bill	$693 (2025)
Deeds & Mortgages	Jan 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-26-30-0001-0376-0100`

Property Details

APN / Parcel Number

Primary APN	`01-26-30-0001-0376-0100`
Alternative APNs	`263001000103760100` `79630`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,382 sqft Living Area
Gross Area	1,694 sqft
1st Floor Area	1,262 sqft
Flooring	Tile
Interior Walls	Plaster

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1980
Architectural Style	Conventional
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,492 sqft (0.172 acres)
Lot Dimensions	75 ft deep x 1 ft wide
Garage Type	Detached
Garage Area	312 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Florida Room
Porch Area	120 sqft
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	1421 4TH ST
City	SAINT CLOUD
State	FL
Zip	34769-2834
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR1A
Legal Description	LAKE FRONT ADDN PB B PG 61/62 BLK 376 W 75 FT LOT 10 2/26/30
Legal Range	30E
Legal Township	26S
Legal Section	01
Legal Subdivision	ST CLOUD 2ND PLAT TOWN OF
Legal Tract	1
Legal Block	376
Legal Lot Number	10
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1015
Census Tract	43500

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 Record	2 Individual Names on Record
Mailing Address	1421 4TH ST, SAINT CLOUD, FL 34769-2834
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 29, 2013 · Amount on Record
Deed Sale	Aug 29, 2013 · Amount on Record
Prior Sale	Jan 9, 2003 · Amount on Record
Deed Document Number	2013136956
Deed Book / Page	4495 / 499
Prior Transfer Date	Aug 12, 2013
Prior Transfer Doc	0044950499
Record Updated	Jun 8, 2026

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1421 4TH ST, SAINT CLOUD, FL 34769-2834
Document Number	0050902259
Instrument Date	Jan 17, 2017
Transaction Type	Mortgage
Record Updated	Aug 16, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1421 4TH ST ST CLOUD FL 347692834, ST CLOUD, FL 34769-2834

Mortgage

Document Number	0050902259
Date	Jan 25, 2017
Book Page	005090/002259
Instrument	13220

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 24, 2032

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 2025

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$693.00 (+4.84%) Homeowner's exemption	$81,638 (+5.98%)	$207,300 (+12.79%) Land $46,800 Building $160,500
2024	$661.00 (+5.25%)
2023	$628.00 (+6.26%) Homeowner's exemption	$77,028 (+3%)	$183,800 (+14.8%) Land $42,500 Building $141,300
2022	$591.00 Homeowner's exemption	$74,785	$160,100 Land $35,100 Building $125,000

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

Flood

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 17 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	17 in force
Nearby Flood Claims	1 (1994)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Nov 1994 · rainfall accumulation

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 Risk	Low lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	None 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 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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 306 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