Osceola County property record for 238 Carolina Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,320 sqft · built 1925 |
| Lot Size | 0.26 acres (11,326 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $167,000 (Jan 2018) |
| Tax Bill | $3,684 (2025) |
| Deeds & Mortgages | Apr 2022 Mortgage Jan 2018 Sale & Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | 80234 |
| Primary APN | 80234 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,320 sqft Heated Area |
| Gross Area | 1,760 sqft |
| 1st Floor Area | 528 sqft |
| Upper Floors Area | 792 sqft |
| Interior Walls | Plaster |
| Year Built | Built 1925 |
|---|---|
| Effective Year Built | Effective 1985 |
| Exterior Material | Stucco |
| Construction Type | Frame |
| Foundation Type | Footing |
| Roof Type | Flat |
| Roof Material | Built-Up Asphalt |
| Lot Area | 11,326 sqft (0.26 acres) |
| Lot Dimensions | 150 ft deep x 75 ft wide |
| Garage Type | Finished |
| Garage Area | 264 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
|---|---|
| Porch Area | 176 sqft |
| Shed | 1 Shed |
| Shed Area | 90 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 80234 |
|---|---|
| Street Address | 238 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 LOT 10 & S 1/2 LOT 9 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD 2ND AND 3RD STREETS |
| Legal Tract | 1 |
| Legal Block | 426 |
| Legal Lot Number | 9-10 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 5 |
| Census Block | 5016 |
| Census Tract | 43500 |
238 Carolina Ave is owned and occupied by two individuals who bought it in January 2018.
Source: Osceola County records, as of December 11, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 238 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.
| Date | Document |
|---|---|
| Apr 12, 2022 | Deed of Trust, Mortgage · Conventional Mortgage POINT MORTGAGE CORP |
| Jan 5, 2018 | Warranty Deed, Transfer EMMA N HEINS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 5, 2018 · Amount on File |
| Deed Sale | Jan 5, 2018 · Amount on File |
| Prior Sale | Nov 12, 2003 · Amount on File |
| Deed Document Number | 2018003504 |
| Deed Book / Page | 5265 / 1447 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 238 CAROLINA AVE, SAINT CLOUD, FL 34769-2410 |
| Transaction Type | Mortgage |
| Record Updated | Apr 26, 2022 |
| Name | Verified Name |
|---|---|
| Address | 238 CAROLINA AVE, SAINT CLOUD, FL 34769-2410 |
| Document Number | 0061912792 |
|---|---|
| Date | Apr 12, 2022 |
| Book Page | 6191/2792 |
| Instrument | 2022057702 |
| Name | POINT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | CHULA VISTA, CA 91914 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Mar 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jan 5, 2018 |
| Property Address | 238 CAROLINA AVE, SAINT CLOUD, FL 34769-2410 |
| Document Number | 0052651447 |
| Book / Page | 005265 / 001447 |
| Instrument Date | Dec 29, 2016 |
| Instrument | 3504 |
| Transaction Type | Transfer |
| Record Updated | Feb 9, 2018 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,169.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 238 CAROLINA AVE ST CLOUD FL 347692410, ST CLOUD, FL 34769-2410 |
| Document Number | 52651450 |
|---|---|
| Date | Jan 5, 2018 |
| Book Page | 005265/001450 |
| Instrument | 3505 |
| Name | EMMA N HEINS |
|---|---|
| Address | PO BOX 536014, ORLANDO, FL 32853-6014 |
| Special Notes | Seller Financed |
| Amount | Amount on Record |
|---|
| Rate | 6% |
|---|
The 2025 property tax bill for 238 Carolina Ave was $3,684.
Source: Osceola County assessment roll, as of July 1, 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 | $3,684.00 | $248,700 Land $60,000 Building $188,700 | $248,700 Land $60,000 Building $188,700 |
| 2023 | $3,142.00 (+12.74%) | $218,300 (+17.75%) Land $55,000 Building $163,300 | $218,300 (+17.75%) Land $55,000 Building $163,300 |
| 2022 | $2,787.00 | $185,400 Land $50,000 Building $135,400 | $185,400 Land $50,000 Building $135,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 238 Carolina 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 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 238 Carolina Ave is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 67% of the US · lower than 92% of Florida |
|---|---|
| Wildfire Likelihood | 0.03% 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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