308 Indiana Ave, Saint Cloud, FL 34769 Property Records

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

Property Summary

Property Type	Single Family Home
Details	1 ba · 830 sqft · built 1950
Lot Size	0.275 acres (11,979 sqft)
Owner	2 Individual Names on File
Tax Bill	$291 (2025)
Deeds & Mortgages	Sep 2026 Sale
Flood Zone	Zone X (moderate risk)
APN	`01-26-30-0001-0410-0015`

Property Details

APN / Parcel Number

Primary APN	`01-26-30-0001-0410-0015`
Alternative APNs	`263001000104100015` `80051`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	830 sqft Living Area
Gross Area	1,385 sqft
1st Floor Area	830 sqft
Flooring	Wood
Interior Walls	Plaster

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1970
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	11,979 sqft (0.275 acres)
Lot Dimensions	150 ft deep x 80 ft wide
Garage Type	Carport
Garage Area	240 sqft
Carport	Carport
Carport Area	240 sqft
Porch	Patio
Porch Area	315 sqft
Utility Building	140 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	308 INDIANA AVE
City	SAINT CLOUD
State	FL
Zip	34769-2357
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR1A
Legal Description	LAKE FRONT ADDN PB B PG 61-B & 62 BLK 410 S 20 FT LOT 1 & N 60 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	410
Legal Lot Number	15
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3016
Census Tract	43500

Owner

308 Indiana Ave is owned and occupied by two individuals who acquired it in July 1998.

Source: Osceola County records, as of September 11, 2026

Owner of Record	2 Individual Names on File
Mailing Address	308 INDIANA AVE, SAINT CLOUD, FL 34769-2357
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jul 28, 1998
Transfer Doc	1525002557
Record Updated	Oct 29, 2026

September 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 2, 2026
Property Address	308 INDIANA AVE, SAINT CLOUD, FL 34769-2357
Document Number	0000114663
Book / Page	7029 / 515
Instrument Date	Aug 13, 2026
Instrument	2026114663
Transaction Type	Transfer
Record Updated	Sep 11, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Tax	$70.70
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	308 INDIANA AVE, SAINT CLOUD, FL 34769-2357

Tax Assessment & Valuation

The 2025 property tax bill for 308 Indiana Ave was $291 with exemptions applied.

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	$291.00 Homeowner's exemption Senior Citizen's exemption	$59,062	$168,900 Land $60,000 Building $108,900
2023	$277.00 (+3.36%) Homeowner's exemption Senior Citizen's exemption	$55,727 (+3%)	$148,100 (+14.01%) Land $55,000 Building $93,100
2022	$268.00 Homeowner's exemption Senior Citizen's exemption	$54,104	$129,900 Land $50,000 Building $79,900

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

Flood

FEMA maps place 308 Indiana 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 40 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	40 in force
Nearby Flood Claims	3 (1995–2022)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Sep 2022 · Hurricane Ian

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

Wildfire risk around 308 Indiana Ave is low, with a 0.04% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 65% of the US · lower than 91% 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 330 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
Verizon Fixed Wireless	300 / 20