304 Alabama Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 304 Alabama Ave, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,304 sqft · built 1972
Lot Size	0.258 acres (11,238 sqft)
Owner	2 Individual Names on Record
Last Sale	$179,500 (Mar 2019)
Tax Bill	$3,052 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Mar 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`01-26-30-0001-0395-0020`

Property Details

APN / Parcel Number

Primary APN	`01-26-30-0001-0395-0020`
Alternative APNs	`263001000103950020` `79865`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,304 sqft Living Area
Gross Area	1,826 sqft
1st Floor Area	1,124 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1982
Architectural Style	L-Shape
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	11,238 sqft (0.258 acres)
Lot Dimensions	150 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	220 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Screened/Unfinished Porch
Porch Area	394 sqft
Shed	1 Shed
Shed Area	260 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	304 ALABAMA AVE
City	SAINT CLOUD
State	FL
Zip	34769-2643
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR2
Legal Description	LAKE FRONT ADDN PB B PG 61 BLK 395 S 25 FT LOT 1 & N 50 FT LOT 2
Legal Range	30E
Legal Township	26S
Legal Section	01
Legal Subdivision	ST CLOUD 2ND PLAT TOWN OF
Legal Tract	1
Legal Block	395
Legal Lot Number	2
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3022
Census Tract	43400

Owner

Source: Osceola County records, as of November 26, 2025

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

Owner of Record	2 Individual Names on Record
Mailing Address	304 ALABAMA AVE, SAINT CLOUD, FL 34769-2643
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants in Common

Deeds, Mortgages & Sale History

Date	Document
Sep 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Mar 19, 2019	Warranty Deed, Transfer · Conventional Mortgage AMERICAN LIBERTY MORTGAGE INC
Jan 29, 2019	Warranty Deed, Transfer · Construction Mortgage NUVIEW TRUST CO (CT)

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 19, 2019 · Amount on Record
Deed Sale	Mar 19, 2019 · Amount on Record
Prior Sale	Jan 29, 2019 · Amount on Record
Deed Document Number	201934815
Deed Book / Page	5493 / 1938
Prior Transfer Date	Jul 25, 2016
Prior Transfer Doc	0050580451
Record Updated	Jun 8, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	304 ALABAMA AVE, SAINT CLOUD, FL 34769-2643
Transaction Type	Mortgage
Record Updated	Sep 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0060410410
Date	Sep 10, 2021
Book Page	6041/410
Instrument	2021140876

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Oct 1, 2041

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 19, 2019
Property Address	304 ALABAMA AVE, SAINT CLOUD, FL 34769-2643
Document Number	0054931938
Book / Page	5493 / 1938
Map Reference	MB B PG 61-64
Instrument Date	Mar 15, 2019
Instrument	2019034815
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	SOUTHERN TTL & ABSTRACT INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,256.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1945 W COUNTY ROAD 4191141, 1945, CHULUOTA, FL 32766

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	304 ALABAMA AVE, SAINT CLOUD, FL 34769-2643
Investor	Possibly a Property Investor

Mortgage

Document Number	2019034816
Date	Mar 19, 2019
Instrument	2019034816

Lender

Name	AMERICAN LIBERTY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2049

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 29, 2019
Property Address	304 ALABAMA AVE, SAINT CLOUD, FL 34769-2643
Document Number	0054690178
Book / Page	005469 / 000178
Instrument Date	Jan 25, 2019
Instrument	11446
Transaction Type	Transfer
Record Updated	Feb 12, 2019
Title Company	SOUTHERN TITLE, SOUTHERN TITLE & ABSTRACT INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$760.90
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1809 E BROADWAY ST #303 OVIEDO FL 327658597, 303, OVIEDO, FL 32765-8597

Mortgage

Document Number	54690180
Date	Jan 29, 2019
Book Page	005469/000180
Instrument	11447

Lender

Name	NUVIEW TRUST CO (CT)
Address	LONGWOOD, FL 32750

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Jan 28, 2020

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 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	$3,052.00 (+6.68%) Homeowner's exemption	$220,837 (+11.21%)	$264,500 (+15%) Land $60,000 Building $204,500
2024	$2,861.00 (+8.49%)
2023	$2,637.00 (+10.66%) Homeowner's exemption	$198,584 (+11.28%)	$230,000 (+18.19%) Land $55,000 Building $175,000
2022	$2,383.00 Homeowner's exemption	$178,450	$194,600 Land $50,000 Building $144,600

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

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 X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
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 98% of the US · lower than 97.6% of Florida
Wildfire Likelihood	0.02% 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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