201 Carolina Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 201 Carolina Ave, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 992 sqft · built 1952
Lot Size	0.341 acres (14,853 sqft)
Owner	2 Individual Names on File
Last Sale	$200,000 (Feb 2007)
Tax Bill	$594 (2025)
Deeds & Mortgages	Oct 2025 Line of Credit
Flood Zone	Zone AE (high risk)
APN	`01-26-30-0001-0425-0190`

Property Details

APN / Parcel Number

Primary APN	`01-26-30-0001-0425-0190`
Alternative APNs	`263001000104250190` `80229`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	992 sqft Living Area
Gross Area	1,208 sqft
1st Floor Area	992 sqft
Flooring	Wood
Interior Walls	Plaster

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1957
Architectural Style	Conventional
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Foundation Type	Pier/Post & Beam
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	14,853 sqft (0.341 acres)
Lot Dimensions	150 ft deep x 100 ft wide
Garage Area	350 sqft
Parking Spaces	1 Parking Space
Porch	Enclosed/Finished Porch
Porch Area	296 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	201 CAROLINA AVE
City	SAINT CLOUD
State	FL
Zip	34769-2409
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR1A
Legal Description	GALION GARDENS PB 1 PG 140 BLK 425 LOTS 19 & 20
Legal Range	30E
Legal Township	26S
Legal Section	01
Legal Subdivision	ST CLOUD 2ND PLAT TOWN OF
Legal Tract	1
Legal Block	425
Legal Lot Number	19
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	5
Census Block	5017
Census Tract	43500

Owner

201 Carolina Ave is owned and occupied by two individuals who bought it in February 2007.

Source: Osceola County records, as of May 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	201 CAROLINA AVE, SAINT CLOUD, FL 34769-2409
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 16, 2007 · Amount on File
Deed Sale	Feb 16, 2007 · Amount on File
Prior Sale	Jan 2, 1996 · Amount on File
Deed Document Number	200731673
Deed Book / Page	3410 / 2156
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	201 CAROLINA AVE, SAINT CLOUD, FL 34769-2409
Transaction Type	Mortgage
Record Updated	Jun 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	201 CAROLINA AVE, SAINT CLOUD, FL 34769-2409

Mortgage

Document Number	0068641998
Date	Oct 15, 2025
Book Page	6864/1998
Instrument	2025127496

Lender

Name	GOODLEAP LC
Type	Mortgage Company
Address	CHARLOTTE, NC 28232

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	241 Months
Due	Nov 4, 2045

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 201 Carolina Ave was $594 with a homeowner's exemption, up 2.8% from the year before.

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	$594.00 (+2.77%) Homeowner's exemption	$76,068	$214,100 Land $66,000 Building $148,100
2024	$578.00 (+0.7%)
2023	$574.00 (+1.95%) Homeowner's exemption	$71,772 (+3%)	$187,100 (+17.38%) Land $60,500 Building $126,600
2022	$563.00 Homeowner's exemption	$69,682	$159,400 Land $55,000 Building $104,400

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 201 Carolina Ave in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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 File median of 51 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	51 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.

Wildfire

Wildfire risk around 201 Carolina Ave is low, with a 0.05% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 63% of the US · lower than 89% of Florida
Wildfire Likelihood	0.05% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 384 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	2,000 / 1,000
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20