200 Alabama Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 200 Alabama Ave, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 960 sqft · built 1980
Lot Size	0.219 acres (9,539 sqft)
Owner	2 Individual Names on Record
Last Sale	$315,000 (Jul 2022)
Tax Bill	$3,193 (2025)
Deeds & Mortgages	Nov 2023 Mortgage Jul 2022 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`01-26-30-0001-0446-0010`

Property Details

APN / Parcel Number

Primary APN	`01-26-30-0001-0446-0010`
Alternative APNs	`263001000104460010` `80366`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	960 sqft Living Area
Gross Area	1,708 sqft
1st Floor Area	960 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Architectural Style	Custom Design
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,539 sqft (0.219 acres)
Lot Dimensions	150 ft deep x 62.5 ft wide
Garage Type	Attached
Garage Area	300 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	424 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	200 ALABAMA AVE
City	SAINT CLOUD
State	FL
Zip	34769-2131
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR2
Legal Description	LAKE FRONT ADDN PB B PG 61-62 BLK 446 LOT 1 LESS S 37.5 FT
Legal Range	30E
Legal Township	26S
Legal Section	01
Legal Subdivision	ST CLOUD 2ND PLAT TOWN OF
Legal Tract	1
Legal Block	446
Legal Lot Number	1
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3015
Census Tract	43400

Owner

Source: Osceola County records, as of July 13, 2026

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	200 ALABAMA AVE, SAINT CLOUD, FL 34769-2131
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Nov 29, 2023	Deed of Trust, Mortgage · FHA Mortgage JACKSON FLAGSTAR CENTRE OFFICE
Jul 8, 2022	Deed of Trust, Mortgage · FHA Mortgage AMERICAN PACIFIC MORTGAGE CORP
Sep 27, 2021	Special Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 8, 2022 · Amount on Record
Deed Sale	Jul 8, 2022 · Amount on Record
Prior Sale	Aug 17, 2016 · Amount on Record
Deed Document Number	2022106230
Deed Book / Page	6248 / 878
Prior Transfer Date	Aug 31, 2021
Prior Transfer Doc	0060520804
Record Updated	Sep 20, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	200 ALABAMA AVE, SAINT CLOUD, FL 34769-2131
Transaction Type	Mortgage
Record Updated	Dec 20, 2023
Title Company	TIMIOS INC, TIMIOS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	200 ALABAMA AVE, SAINT CLOUD, FL 34769-2131

Mortgage

Document Number	0065111130
Date	Nov 29, 2023
Book Page	6511/1130
Instrument	2023155982

Lender

Name	JACKSON FLAGSTAR CENTRE OFFICE
Type	Bank
Address	JACKSONVILLE, FL 32256

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	480 Months
Due	Nov 1, 2063

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	200 ALABAMA AVE, SAINT CLOUD, FL 34769-2131
Transaction Type	Mortgage
Record Updated	Jul 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	318 E DAKIN AVE 3, 3, KISSIMMEE, FL 34741-5778

Mortgage

Document Number	0062480879
Date	Jul 8, 2022
Book Page	6248/879
Instrument	2022106231

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company
Address	ROSEVILLE, CA 95661

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

September 2021: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 27, 2021
Property Address	200 ALABAMA AVE, SAINT CLOUD, FL 34769-2131
Document Number	0060520804
Book / Page	6052 / 804
Map Reference	MB B PG 61-64
Instrument Date	Aug 31, 2021
Instrument	2021149609
Transaction Type	Transfer
Record Updated	Oct 13, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6260 S BREEZE RD, 6260, SAINT CLOUD, FL 34771-9699

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6260 S BREEZE RD, SAINT CLOUD, FL 34771-9699

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	$3,193.00 (+3.57%) Homeowner's exemption	$221,300 (+5.99%)	$240,300 (+15.09%) Land $60,000 Building $180,300
2024	$3,083.00 (+2.73%)
2023	$3,001.00 (-5.81%) Homeowner's exemption	$208,800 (+18.23%) Land $55,000 Building $153,800	$208,800 (+18.23%) Land $55,000 Building $153,800
2022	$3,186.00	$176,600 Land $50,000 Building $126,600	$176,600 Land $50,000 Building $126,600

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	61.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 98 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	110 units insured incl. 12 condo units
Nearby Flood Claims	24 (1994–2022)
Claims Outside the SFHA	3 of 24
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Ian, Sep 2022 · 4 claims Hurricane Ian, Sep 2022 · 2 claims Hurricane Frances, Sep 2004 · 3 claims

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	0.04% annual chance
Exposure	Direct burnable vegetation

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 368 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

May also be available: AT&T, Verizon.

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