308 Alabama Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 308 Alabama Ave, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,413 sqft · built 1972
Lot Size	0.258 acres (11,238 sqft)
Owner	2 Individual Names on Record
Last Sale	$236,000 (May 2020)
Tax Bill	$4,534 (2025)
Deeds & Mortgages	Jun 2022 Mortgage May 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-26-30-0001-0395-0025`

Property Details

APN / Parcel Number

Primary APN	`01-26-30-0001-0395-0025`
Alternative APNs	`263001000103950025` `79866`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,413 sqft Living Area
1st Floor Area	1,182 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1980
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 Area	528 sqft

Exterior Amenities

Porch	Florida Room
Porch Area	231 sqft
Patio Area	200 sqft
Shed	1 Shed
Shed Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	308 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 50 FT LOT 2 & N 25 FT LOT 3
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	25
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	308 ALABAMA AVE, SAINT CLOUD, FL 34769-2643
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 9, 2022	Deed of Trust, Mortgage · Conventional Mortgage JFQ LENDING INC
May 18, 2020	Warranty Deed, Transfer · Conventional Mortgage MY MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 18, 2020 · Amount on Record
Deed Sale	May 18, 2020 · Amount on Record
Prior Sale	Jul 1, 2013 · Amount on Record
Deed Document Number	202065310
Deed Book / Page	5723 / 2668
Prior Transfer Date	Mar 12, 2007
Prior Transfer Doc	0034352406
Record Updated	Jun 8, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	308 ALABAMA AVE, SAINT CLOUD, FL 34769-2643
Transaction Type	Mortgage
Record Updated	Jun 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	308 ALABAMA AVE, SAINT CLOUD, FL 34769-2643

Mortgage

Document Number	0062292465
Date	Jun 9, 2022
Book Page	6229/2465
Instrument	2022090152

Lender

Name	JFQ LENDING INC
Type	Mortgage Company
Address	SCOTTSDALE, AZ 85256

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	May 1, 2052

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 18, 2020
Property Address	308 ALABAMA AVE, SAINT CLOUD, FL 34769-2643
Document Number	0057232668
Book / Page	5723 / 2668
Map Reference	MB B PG 61
Instrument Date	May 15, 2020
Instrument	2020065310
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,652.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3198 CHEROKEE RD, 3198, SAINT CLOUD, FL 34772-9101

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	308 ALABAMA AVE, SAINT CLOUD, FL 34769-2643

Mortgage

Document Number	0057232669
Date	May 18, 2020
Instrument	5723/2669

Lender

Name	MY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2050

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	$4,534.00 (-6.17%) Homeowner's exemption	$296,200 (+12.58%) Land $60,000 Building $236,200	$296,200 (+12.58%) Land $60,000 Building $236,200
2024	$4,832.00 (+9.27%)
2023	$4,422.00 (+10.77%)	$263,100 (+12.63%) Land $55,000 Building $208,100	$263,100 (+12.63%) Land $55,000 Building $208,100
2022	$3,992.00	$233,600 Land $50,000 Building $183,600	$233,600 Land $50,000 Building $183,600

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 95% of the US · lower than 95% 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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