227 Alabama Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 227 Alabama Ave, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,000 sqft · built 1971
Lot Size	0.219 acres (9,583 sqft)
Owner	Individual Name on File
Last Sale	$167,400 (Jul 2018)
Tax Bill	$1,203 (2025)
Deeds & Mortgages	Jan 2026 Mortgage Aug 2021 Mortgage + 3 more
Flood Zone	Zone X (moderate risk)
APN	`81550`

Property Details

APN / Parcel Number

Primary APN	`81550`
Alternative APN	`032630003300010220`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,000 sqft Heated Area
Gross Area	1,594 sqft
1st Floor Area	1,000 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1981
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	Carport
Garage Area	170 sqft
Carport	Carport
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	514 sqft
Patio Area	400 sqft
Fence	Fence
Shed	1 Shed
Shed Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	81550
Street Address	227 ALABAMA AVE
City	SAINT CLOUD
State	FL
Zip	34769-2130
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR2
Legal Description	SUNNY ACRES PB 2 PG 52 LOT 22
Legal Range	30E
Legal Township	26S
Legal Section	03
Legal Subdivision	ST CLOUD 2ND AND 3RD STREETS
Legal Tract	33
Legal Block	1
Legal Lot Number	22
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3013
Census Tract	43400

Owner

227 Alabama Ave is owned and occupied by an individual who bought it in July 2018.

Source: Osceola County records, as of December 11, 2025

Owner of Record	Individual Name on File
Mailing Address	227 ALABAMA AVE, SAINT CLOUD, FL 34769-2130
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

Date	Document
Jan 7, 2026	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Aug 25, 2021	Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC
Oct 5, 2020	Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC
May 25, 2019	Deed of Trust, Mortgage · FHA Mortgage MR COOPER
Jul 9, 2018	Warranty Deed, Transfer · FHA Mortgage MORTGAGE FIRM

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 9, 2018 · Amount on File
Deed Sale	Jul 9, 2018 · Amount on File
Prior Sale	Jun 24, 2013 · Amount on File
Deed Document Number	0053632468
Deed Book / Page	5363 / 2468
Record Updated	Jun 8, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	227 ALABAMA AVE, SAINT CLOUD, FL 34769-2130
Transaction Type	Mortgage
Record Updated	Jan 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	227 ALABAMA AVE, SAINT CLOUD, FL 34769-2130

Mortgage

Document Number	0069042487
Date	Jan 7, 2026
Book Page	6904/2487
Instrument	2026002579

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	FLINT, MI 48501

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	301 Months
Due	Feb 1, 2051

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	227 ALABAMA AVE, SAINT CLOUD, FL 34769-2130
Transaction Type	Mortgage
Record Updated	Sep 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	227 ALABAMA AVE, SAINT CLOUD, FL 34769-2130

Mortgage

Document Number	0060300668
Date	Aug 25, 2021
Book Page	6030/668
Instrument	2021132469

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	227 ALABAMA AVE, SAINT CLOUD, FL 34769-2130
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	227 ALABAMA AVE, SAINT CLOUD, FL 34769-2130

Mortgage

Document Number	0058060419
Date	Oct 5, 2020
Book Page	5806/419
Instrument	2020133096

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	344 Months
Due	Jun 1, 2049

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	227 ALABAMA AVE, SAINT CLOUD, FL 34769-2130
Document Number	0055341927
Instrument Date	May 25, 2019
Transaction Type	Mortgage
Record Updated	Jun 20, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	227 ALABAMA AVE ST CLOUD FL 347692130, ST CLOUD, FL 34769-2130

Mortgage

Document Number	0055341927
Date	Jun 4, 2019
Book Page	005534/001927
Instrument	71316

Lender

Name	MR COOPER
Address	DALLAS, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 3, 2049

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 9, 2018
Property Address	227 ALABAMA AVE, SAINT CLOUD, FL 34769-2130
Document Number	0053632468
Book / Page	005363 / 002468
Instrument Date	Jul 9, 2018
Instrument	104588
Transaction Type	Transfer
Record Updated	Jul 25, 2018
Title Company	STEWART TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,171.80
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	227 ALABAMA AVE ST CLOUD FL 347692130, ST CLOUD, FL 34769-2130

Mortgage

Document Number	53632469
Date	Jul 9, 2018
Book Page	005363/002469
Instrument	104589

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 8, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 227 Alabama Ave was $1,203 with a homeowner's exemption.

Source: Osceola County assessment roll, as of July 1, 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	$1,203.00 Homeowner's exemption	$110,113	$230,100 Land $60,000 Building $170,100
2023	$1,112.00 (+5.1%) Homeowner's exemption	$103,894 (+3%)	$200,500 (+17.87%) Land $55,000 Building $145,500
2022	$1,058.00 Homeowner's exemption	$100,868	$170,100 Land $50,000 Building $120,100

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

Flood

FEMA maps place 227 Alabama Ave in Zone X, an area of moderate flood risk, within 500 ft of a high-risk flood zone.

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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

Wildfire risk around 227 Alabama Ave is low, with a 0.04% annual chance of 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.

Nearby Properties on Alabama Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures