Osceola County property record for 315 Alabama Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,140 sqft · built 1958 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | Company Name on Record |
| Last Sale | $200,000 (Mar 2025) |
| Tax Bill | $3,956 (2025) |
| Deeds & Mortgages | Aug 2020 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 0126300001039600I0 |
| Primary APN | 0126300001039600I0 |
|---|---|
| Alternative APN |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 1,140 sqft Heated Area |
| Gross Area | 1,400 sqft |
| 1st Floor Area | 980 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Year Built | Built 1958 |
|---|---|
| Effective Year Built | Effective 1978 |
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 8,712 sqft (0.2 acres) |
| Lot Dimensions | 138 ft deep x 62.5 ft wide |
| Porch | Enclosed Porch |
|---|---|
| Porch Area | 360 sqft |
| Fence | Fence |
| Shed | 1 Shed |
| Shed Area | 200 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 79889 |
|---|---|
| Street Address | 315 ALABAMA AVE |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-2642 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR2 |
| Legal Description | LAKESHORE PK UNIT 1 PB 1 PG 366 BLK 396 LOT I AKA N 1/2 LOT 8 & S 12.5 FT LOT 9 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD 2ND AND 3RD STREETS |
| Legal Tract | 1 |
| Legal Block | 396 |
| Legal Lot Number | 8I |
| Legal Unit | 1P |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 3 |
| Census Block | 3023 |
| Census Tract | 43400 |
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 | 3037 DAY AVE, MIAMI, FL 33133-5108 |
| Owner Type | Company |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 28, 2025 · Amount on Record |
| Deed Sale | Mar 28, 2025 · Amount on Record |
| Deed Document Number | 2025038761 |
| Deed Book / Page | 6761 / 792 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 315 ALABAMA AVE, SAINT CLOUD, FL 34769-2642 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0057662791 |
|---|---|
| Date | Aug 3, 2020 |
| Book Page | 5766/2791 |
| Instrument | 2020100857 |
| Name | CENTERSTATE BANK NA |
|---|---|
| Type | Bank |
| Address | SAINT CLOUD, FL 34769 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 119 Months |
| Due | Jul 16, 2030 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | $3,956.00 (+567.12%) | $220,800 (+193.94%) Land $54,000 Building $166,800 | $220,800 (+15.06%) Land $54,000 Building $166,800 |
| 2023 | $593.00 (+2.07%) Homeowner's exemption | $75,118 (+3%) | $191,900 (+14.77%) Land $49,500 Building $142,400 |
| 2022 | $581.00 Homeowner's exemption | $72,931 | $167,200 Land $45,000 Building $122,200 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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 |
|
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.
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.
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 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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