Osceola County property record for 1425 Alabama Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,080 sqft · built 1974 |
| Lot Size | 0.219 acres (9,583 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $260,000 (Aug 2021) |
| Tax Bill | $3,787 (2025) |
| Deeds & Mortgages | Aug 2021 Sale & Mortgage Jan 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 78666 |
| Primary APN | 78666 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,080 sqft Heated Area |
| Gross Area | 2,520 sqft |
| 1st Floor Area | 1,080 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1974 |
|---|---|
| Effective Year Built | Effective 1984 |
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 9,583 sqft (0.219 acres) |
| Lot Dimensions | 150 ft deep x 62.5 ft wide |
| Garage Type | Mixed |
| Garage Area | 780 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 108 sqft |
| Fence | Fence |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 78666 |
|---|---|
| Street Address | 1425 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 13 & 14 & S 1/2 LOT 15 10/26/30 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD |
| Legal Tract | 1 |
| Legal Block | 267 |
| Legal Lot Number | 15 14 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 4 |
| Census Block | 4047 |
| Census Tract | 43400 |
Source: Osceola County records, as of December 11, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 1425 ALABAMA AVE, SAINT CLOUD, FL 34769-4152 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 25, 2021 | Warranty Deed, Transfer · Conventional Mortgage SI MORTGAGE COMPANY |
| Jan 31, 2017 | Warranty Deed, Transfer · Conventional Mortgage EMBRACE HM LOANS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 25, 2021 · Amount on Record |
| Deed Sale | Aug 25, 2021 · Amount on Record |
| Prior Sale | Jan 31, 2017 · Amount on Record |
| Deed Document Number | 2021131837 |
| Deed Book / Page | 6029 / 1712 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Aug 25, 2021 |
| Property Address | 1425 ALABAMA AVE, SAINT CLOUD, FL 34769-4152 |
| Document Number | 0060291712 |
| Book / Page | 6029 / 1712 |
| Map Reference | MB 8 PG 33&34 |
| Instrument Date | Aug 23, 2021 |
| Instrument | 2021131837 |
| Transaction Type | Transfer |
| Record Updated | Sep 7, 2021 |
| Title Company | LAND TITLE CORPORATION, LAND TITLE PROFESSIONALS LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,820.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1425 ALABAMA AVE, 1425, SAINT CLOUD, FL 34769-4152 |
| Name | Verified Name |
|---|---|
| Address | 1425 ALABAMA AVE, SAINT CLOUD, FL 34769-4152 |
| Document Number | 60291714 |
|---|---|
| Date | Aug 25, 2021 |
| Instrument | 6029/1714 |
| Name | SI MORTGAGE COMPANY |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jan 31, 2017 |
| Property Address | 1425 ALABAMA AVE, SAINT CLOUD, FL 34769-4152 |
| Document Number | 0050940713 |
| Book / Page | 005094 / 000713 |
| Instrument Date | Jan 27, 2017 |
| Instrument | 16691 |
| Transaction Type | Transfer |
| Record Updated | Feb 20, 2017 |
| Title Company | STEWART TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,050.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1425 ALABAMA AVE ST CLOUD FL 347694152, ST CLOUD, FL 34769-4152 |
| Document Number | 50940714 |
|---|---|
| Date | Jan 31, 2017 |
| Book Page | 005094/000714 |
| Instrument | 16692 |
| Name | EMBRACE HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | MIDDLETOWN, RI 02842 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 30, 2047 |
Source: Osceola County assessment roll, as of July 1, 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 | $3,787.00 (+6.23%) Homeowner's exemption | $254,466 (+5.99%) | $284,000 (+10.59%) Land $55,000 Building $229,000 |
| 2023 | $3,565.00 (+3.6%) Homeowner's exemption | $240,093 (+3%) | $256,800 (+10.17%) Land $50,000 Building $206,800 |
| 2022 | $3,441.00 Homeowner's exemption | $233,100 Land $45,000 Building $188,100 | $233,100 Land $45,000 Building $188,100 |
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 |
| 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 |
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 | Low lower than 94% of the US · lower than 94% of Florida |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | None beyond 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 400 locations within half a mile, as of December 31, 2025
| Provider | Max 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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