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225 Carolina Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 225 Carolina Ave, Saint Cloud, FL 34769 · Last verified December 2025

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms2 Beds
Bathrooms1 Baths
Year BuiltBuilt 1970
Square Footage1,326 sqft Heated Area
Lot Size11,326 sqft (0.26 acres)
OccupancyOwner Occupied
Last Sale$189,000 (2019)
Tax Bill$5,882.00 (2025)

Property Details

APN / Parcel Number

Primary APN80226
Alternative APN
  • 012630000104250140

Interior

Bedrooms2 Beds
Full Baths1 Baths
Building Area1,326 sqft Heated Area
Gross Area1,656 sqft Gross Area
1st Floor1,326 sqft 1st Floor
Stories1 Stories
Primary FlooringTile Flooring
Interior StructurePlaster Interior Structure

Exterior

Year BuiltBuilt 1970
Exterior MaterialConcrete Block Exterior
Foundation TypeFooting Foundation
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area11,326 sqft (0.26 acres)
Depth X Width150 ft x 75 ft Depth x Width
Garage TypeCarport Garage
CarportCarport
FenceFence
PorchOpen Porch
Porch Area42 sqft Porch

Utilities and HVAC

Cooling SystemA/C Package Cooling
Heating SystemHVAC Heating

Location & Zoning

Account Number80226
Street Address225 CAROLINA AVE
CitySAINT CLOUD
StateFL
Zip34769-2409
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionGALION GARDENS PB 1 PG 140 BLK 425 LOTS 14 & S 1/2 OF 15
Legal Range30E
Legal Township26S
Legal Section01
Legal SubdivisionST CLOUD 2ND AND 3RD STREETS
Legal Tract1
Legal Block425
Legal Lot Number14
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup5
Census Block5017
Census Tract43500

Owner

Source: Osceola County records · APN 80226

Assessment roll updated July 1, 2025 · Last verified December 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Mailing Address225 CAROLINA AVE, SAINT CLOUD, FL 34769-2409
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Dec 09, 2019Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage
AMERICAN FINANCING
Oct 02, 2017Deed of Trust, Mortgage · Conventional Mortgage
GUARANTEED RATE

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleDec 09, 2019 · Amount on Record
Deed SaleDec 09, 2019 · Amount on Record
Prior SaleMay 01, 2009 · Amount on Record
Deed Doc Number2019158746
Deed Book / Page5636 / 1374
Record RefreshedJun 08, 2026

December 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateDec 09, 2019
Property Address225 CAROLINA AVE, SAINT CLOUD, FL 34769-2409
Document Number0056361374
Book / Page005636 / 001374
Instrument DateDec 06, 2019
Instrument158746
Transaction TypeTransfer
Record UpdatedDec 30, 2019
Title CompanySTEWART TITLE

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$1,323.00
Amount AccuracyConfirmed
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address225 CAROLINA AVE ST CLOUD FL 347692409, ST CLOUD, FL 34769-2409

Mortgage

Document Number56361375
DateDec 09, 2019
Book Page005636/001375
Instrument158747
Lender
NameAMERICAN FINANCING
TypeFunding / Finance Company
AddressAURORA, CO 80014
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term360 Months
DueDec 08, 2049

Mortgage

Document Number56361387,
DateDec 09, 2019
Book Page005636/001387
Instrument158748
Lender
NameAMERICAN FINANCING
TypeFunding / Finance Company
AddressAURORA, CO 80014
Agreement
AmountAmount Recorded
Term360 Months
DueDec 08, 2049

October 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address225 CAROLINA AVE, SAINT CLOUD, FL 34769-2409
Document Number0052360710
Book / Page005236 / 000710
Instrument DateOct 02, 2017
Transaction TypeMortgage
Record UpdatedNov 28, 2017

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband And Wife
Address38R OCEAN AVE SALEM MA 019705406, SALEM, MA 01970-5406

Mortgage

Document Number0052360710
DateNov 08, 2017
Book Page005236/000710
Instrument159555
Lender
NameGUARANTEED RATE
AddressCHICAGO, IL 60613
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueNov 07, 2047

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$5,882.00 (+146.42%) Homeowner's exemption$185,190 (+5.99%)$266,100 (+15.44%) Land $60,000 Building $206,100
2023$2,387.00 (+3.87%) Homeowner's exemption$174,730 (+3%)$230,500 (+18.75%) Land $55,000 Building $175,500
2022$2,298.00 Homeowner's exemption$169,641$194,100 Land $50,000 Building $144,100

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Flood HazardModerate
500-Year FloodplainYes
Special Flood Hazard AreaNo
Nearest Special Flood Hazard AreaZone AE, within 100 ft

Wildfire

Wildfire RiskLow
above 37% of the US · above 11% of Florida
Wildfire LikelihoodAbout 1 in 1,852 per year
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

Values are read at the parcel center point; lenders make the official flood determination.

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