24 Alabama Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 24 Alabama Ave, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,200 sqft · built 1982
Lot Size	0.169 acres (7,405 sqft)
Owner	Company Name on Record
Last Sale	$550,000 (Oct 2025)
Tax Bill	$1,773 (2025)
Deeds & Mortgages	Feb 2022 Mortgage Oct 2025 Sale + 1 more
Flood Zone	Zone AE (high risk)
APN	`80819`

Property Details

APN / Parcel Number

Primary APN	`80819`
Alternative APN	`012630065000010932`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,200 sqft Heated Area
Gross Area	1,636 sqft
1st Floor Area	1,200 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1992
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,405 sqft (0.169 acres)
Lot Dimensions	105 ft deep x 72 ft wide
Garage Type	Carport
Carport	Carport

Exterior Amenities

Pool Area	450 sqft
Porch	Open Porch
Porch Area	112 sqft
Deck Area	424 sqft
Fence	Fence
Shed	1 Shed
Shed Area	288 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	80819
Street Address	24 ALABAMA AVE
City	SAINT CLOUD
State	FL
Zip	34769-2127
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR2
Legal Description	ST CLOUD BLVD LOTS PB B PG 061 S 72.15 FT LOT 93
Legal Range	30E
Legal Township	26S
Legal Section	01
Legal Subdivision	ST CLOUD BLVD
Legal Tract	650
Legal Block	1
Legal Lot Number	93
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3010
Census Tract	43400

Owner

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

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

Owner of Record	Company Name on Record
Mailing Address	1110 PENNSYLVANIA AVE, SAINT CLOUD, FL 34769-3750
Occupancy	Owner Occupied
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Feb 8, 2022	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Oct 3, 2025	Warranty Deed, Transfer ORLANDO TITLE PROFESSIONALS LL, LAND TITLE PROFESSIONALS LLC
Mar 8, 2018	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 3, 2025 · Amount on Record
Deed Sale	Oct 3, 2025 · Amount on Record
Prior Sale	Apr 6, 2016 · Amount on Record
Deed Document Number	2025122021
Deed Book / Page	6858 / 64
Record Updated	Jun 8, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	24 ALABAMA AVE, SAINT CLOUD, FL 34769-2127
Transaction Type	Mortgage
Record Updated	Oct 23, 2025
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	24 ALABAMA AVE, SAINT CLOUD, FL 34769-2127

Mortgage

Document Number	0061452034
Date	Feb 8, 2022
Book Page	6145/2034
Instrument	2022020869

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 3, 2025
Property Address	24 ALABAMA AVE, SAINT CLOUD, FL 34769-2127
Document Number	0068580064
Book / Page	6858 / 64
Map Reference	MB B PG 61
Instrument Date	Oct 1, 2025
Instrument	2025122021
Transaction Type	Transfer
Record Updated	Oct 23, 2025
Title Company	ORLANDO TITLE PROFESSIONALS LL, LAND TITLE PROFESSIONALS LLC

Transaction

Amount	Amount Recorded
Tax	$3,850.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6074 DURBIN RD, SAINT CLOUD, FL 34771-8808

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1110 PENNSYLVANIA AVE, SAINT CLOUD, FL 34769-3750

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	24 ALABAMA AVE, SAINT CLOUD, FL 34769-2127
Document Number	0053012461
Instrument Date	Mar 8, 2018
Transaction Type	Mortgage
Record Updated	Apr 16, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	24 ALABAMA AVE ST CLOUD FL 347692127, ST CLOUD, FL 34769-2127

Mortgage

Document Number	0053012461
Date	Mar 15, 2018
Book Page	005301/002461
Instrument	42797

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 14, 2048

Tax Assessment & Valuation

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	$1,773.00 (+3.87%) Homeowner's exemption	$141,976 (+2.9%)	$271,700 (+7.73%) Land $75,000 Building $196,700
2024	$1,707.00 (+3.27%) Homeowner's exemption	$137,975 (+3%)	$252,200 (+14.27%) Land $70,000 Building $182,200
2023	$1,653.00 (+4.36%) Homeowner's exemption	$133,957 (+3%)	$220,700 (+18.66%) Land $65,000 Building $155,700
2022	$1,584.00 Homeowner's exemption	$130,056	$186,000 Land $55,000 Building $131,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	61.0 ft
Flood Insurance Requirement	Required federally backed loans
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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