Osceola County property record for 230 Carolina Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,874 sqft · built 1925 |
| Lot Size | 0.43 acres (18,730 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $67,800 (Sep 2015) |
| Tax Bill | $3,590 (2025) |
| Deeds & Mortgages | Aug 2017 Line of Credit |
| Flood Zone | Zone X (moderate risk) |
| APN | 01-26-30-0001-0426-0070 |
| Primary APN | 01-26-30-0001-0426-0070 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,874 sqft Living Area |
| Gross Area | 2,410 sqft |
| 1st Floor Area | 1,874 sqft |
| Flooring | Wood |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1925 |
|---|---|
| Effective Year Built | Effective 1965 |
| Architectural Style | Conventional |
| Exterior Material | Combination |
| Construction Type | Frame |
| Foundation Type | Footing |
| Roof Type | Flat |
| Roof Material | Built-Up Asphalt |
| Lot Area | 18,730 sqft (0.43 acres) |
| Lot Dimensions | 150 ft deep x 125 ft wide |
| Garage Type | Detached |
| Garage Area | 360 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open/Unfinished Porch |
| Porch Area | 176 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 230 CAROLINA AVE |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-2410 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR1A |
| Legal Description | GALION GARDENS PB 1 PG 140 BLK 426 LOTS 7,8 & N1/2 LOT 9 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD 2ND PLAT TOWN OF |
| Legal Tract | 1 |
| Legal Block | 426 |
| Legal Lot Number | 7 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 5 |
| Census Block | 5016 |
| Census Tract | 43500 |
230 Carolina Ave is owned and occupied by two individuals who bought it in September 2015.
Source: Osceola County records, as of May 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 230 CAROLINA AVE, SAINT CLOUD, FL 34769-2410 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 1, 2015 · Amount on File |
| Deed Sale | Sep 1, 2015 · Amount on File |
| Prior Sale | Jun 19, 2015 · Amount on File |
| Deed Document Number | 2015130457 |
| Deed Book / Page | 4835 / 248 |
| Prior Transfer Date | Jun 10, 2015 |
| Prior Transfer Doc | 0048350248 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 230 CAROLINA AVE, SAINT CLOUD, FL 34769-2410 |
| Transaction Type | Mortgage |
| Record Updated | Aug 1, 2022 |
| Title Company | AMERICAN TITLE INC |
| Name | Verified Name |
|---|
| Document Number | 0052012983 |
|---|---|
| Date | Aug 29, 2017 |
| Book Page | 5201/2983 |
| Instrument | 2017124946 |
| Name | SUNTRUST BANK |
|---|---|
| Type | Bank |
| Address | ORLANDO, FL 32809 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 28, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 230 Carolina Ave was $3,590 with exemptions applied, up 3.7% from the year before.
Source: Osceola County assessment roll, as of November 26, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,590.00 (+3.73%) Homeowner's exemption Senior Citizen's exemption | $255,110 | $276,900 Land $66,000 Building $210,900 |
| 2024 | $3,461.00 (-3.22%) | ||
| 2023 | $3,576.00 (-1.57%) Homeowner's exemption | $240,700 (+14.73%) Land $60,500 Building $180,200 | $240,700 (+14.73%) Land $60,500 Building $180,200 |
| 2022 | $3,633.00 | $209,800 Land $55,000 Building $154,800 | $209,800 Land $55,000 Building $154,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 230 Carolina Ave in Zone X, an area of moderate flood risk, within 100 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 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| 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 risk around 230 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.
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 |
| 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.
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 |
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