220 Alabama Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 220 Alabama Ave, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,426 sqft · built 1973
Lot Size	0.219 acres (9,539 sqft)
Owner	Individual Name on Record
Last Sale	$235,000 (Dec 2019)
Tax Bill	$2,432 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Dec 2019 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`01-26-30-0001-0446-0040`

Property Details

APN / Parcel Number

Primary APN	`01-26-30-0001-0446-0040`
Alternative APNs	`263001000104460040` `80371`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,426 sqft Living Area
Gross Area	1,534 sqft
1st Floor Area	1,426 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Architectural Style	L-Shape
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
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

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	450 sqft
Porch	Finished/Open Porch
Porch Area	108 sqft
Deck Area	306 sqft
Shed	1 Shed
Shed Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	220 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 4 LESS N 12 1/2 FT AND LESS S 25 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	4
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 November 26, 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	220 ALABAMA AVE, SAINT CLOUD, FL 34769-2131
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage THE MORTGAGE FIRM INC
Dec 6, 2019	Warranty Deed, Transfer · Conventional with PMI MORTGAGE FIRM

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 6, 2019 · Amount on Record
Deed Sale	Dec 6, 2019 · Amount on Record
Prior Sale	Aug 12, 2009 · Amount on Record
Deed Document Number	2019158584
Deed Book / Page	5636 / 732
Prior Transfer Date	Dec 5, 2019
Prior Transfer Doc	0056360732
Record Updated	Jun 8, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	220 ALABAMA AVE, SAINT CLOUD, FL 34769-2131
Transaction Type	Mortgage
Record Updated	Aug 1, 2022
Title Company	HB TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	220 ALABAMA AVE, SAINT CLOUD, FL 34769-2131

Mortgage

Document Number	0060581147
Date	Oct 5, 2021
Book Page	6058/1147
Instrument	2021154212

Lender

Name	THE MORTGAGE FIRM INC
Type	Mortgage Company
Address	ALTAMONTE SPRINGS, FL 32714

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 6, 2019
Property Address	220 ALABAMA AVE, SAINT CLOUD, FL 34769-2131
Document Number	0056360732
Book / Page	005636 / 000732
Instrument Date	Dec 5, 2019
Instrument	158584
Transaction Type	Transfer
Record Updated	Dec 27, 2019
Title Company	LAND TITLE CORPORATION, LAND TITLE PROFESSIONALS INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,645.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	220 ALABAMA AVE ST CLOUD FL 347692131, ST CLOUD, FL 34769-2131

Mortgage

Document Number	56360734
Date	Dec 6, 2019
Book Page	005636/000734
Instrument	158585

Lender

Name	MORTGAGE FIRM
Type	Mortgage Company
Address	ALTAMONTE SPRINGS, FL 32714

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Dec 5, 2049

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	$2,432.00 (+3.67%) Homeowner's exemption	$178,774 (+5.99%)	$276,200 (+15.23%) Land $60,000 Building $216,200
2024	$2,346.00 (+2.99%)
2023	$2,278.00 (+3.92%) Homeowner's exemption	$168,676 (+3%)	$239,700 (+17.21%) Land $55,000 Building $184,700
2022	$2,192.00 Homeowner's exemption	$163,764	$204,500 Land $50,000 Building $154,500

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
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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