318 Alabama Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 318 Alabama Ave, Saint Cloud, FL 34769 · Last verified April 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bathrooms	2 Baths
Year Built	Built 1982
Square Footage	1,104 sqft Living Area
Lot Size	11,238 sqft (0.258 acres)
Garage	Attached, 322 sqft
Occupancy	Owner Occupied
Last Sale	$80,000 (2012)
Tax Bill	$1,024.00 (2024)

Property Details

APN / Parcel Number

Primary APN	`01-26-30-0001-0395-0030`
Alternative APNs	`263001000103950030` `79867`

Interior

Full Baths	2 Baths
Building Area	1,104 sqft Living Area
Gross Area	1,703 sqft Gross Area
1st Floor	1,104 sqft 1st Floor
Stories	1 Stories
Primary Flooring	Carpet Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1982
Exterior Material	Concrete Block Exterior
Construction Type	Masonry/Concrete Masonry Units (CMUs) Construction
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	11,238 sqft (0.258 acres)
Depth X Width	150 ft x 75 ft Depth x Width
Parking Spaces	1 Parking Spaces
Garage Type	Attached Garage
Garage Area	322 sqft Garage
Shed	1 Shed
Shed Area	80 sqft Shed
Porch Area	497 sqft Porch

Utilities and HVAC

Cooling System	A/C Package Cooling
Heating System	HVAC Heating

Location & Zoning

Street Address	318 ALABAMA AVE
City	SAINT CLOUD
State	FL
Zip	34769-2643
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	LAKE FRONT ADDN PB B PG 61-62 BLK 395 S 75 FT OF 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	3
Jurisdiction	OSCEOLA FL
Minor Civil Division	ST. CLOUD
Census Blockgroup	3
Census Block	3022
Census Tract	43400

Owner

Source: Osceola County records · APN 01-26-30-0001-0395-0030

Assessment roll updated November 26, 2025 · Last verified April 2026

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 File
Mailing Address	318 ALABAMA AVE, SAINT CLOUD, FL 34769-2643
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 23, 2012 · Amount on Record
Deed Sale	Apr 23, 2012 · Amount on Record
Prior Sale	Feb 02, 1996 · Amount on Record
Deed Doc Number	201259343
Deed Book / Page	4260 / 326
Prior Transfer Date	Sep 13, 2007
Prior Transfer Doc	0035610729
Record Refreshed	Jun 08, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	318 ALABAMA AVE, SAINT CLOUD, FL 34769-2643
Document Number	0057661777
Instrument Date	Jul 27, 2020
Transaction Type	Mortgage
Record Updated	Sep 04, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband And Wife
Address	318 ALABAMA AVE ST CLOUD FL 347692643, ST CLOUD, FL 34769-2643

Mortgage

Document Number	0057661777
Date	Aug 03, 2020
Book Page	005766/001777
Instrument	100680

Lender

Name	INSIGHT CU
Address	LEESBURG, FL 34748

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 02, 2050

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 2026

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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,068.00 (+4.3%) Homeowner's exemption	$102,558 (+5.99%)	$257,300 (+15.07%) Land $60,000 Building $197,300
2024	$1,024.00 (+4.17%)
2023	$983.00 (+5.36%) Homeowner's exemption	$96,766 (+3%)	$223,600 (+18.18%) Land $55,000 Building $168,600
2022	$933.00 Homeowner's exemption	$93,948	$189,200 Land $50,000 Building $139,200

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Low above 2% of the US · above 2% of Florida
Wildfire Likelihood	About 1 in 5,556 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.