Osceola County property record for 324 Alabama Ave, Saint Cloud, FL 34769
| Property Type | Duplex |
|---|---|
| Details | 6 bd · 4 ba · 2,106 sqft · built 1983 |
| Lot Size | 0.344 acres (14,984 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $450,000 (Feb 2022) |
| Tax Bill | $7,602 (2025) |
| Deeds & Mortgages | Feb 2022 Sale & Mortgage Sep 2021 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-26-30-0001-0395-0040 |
| Primary APN | 01-26-30-0001-0395-0040 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 4 Baths |
| Units | 2 Units |
| Stories | 1 Story |
| Building Area | 2,106 sqft Living Area |
| Gross Area | 3,126 sqft |
| 1st Floor Area | 2,106 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1983 |
|---|---|
| Effective Year Built | Effective 1993 |
| Architectural Style | Conventional |
| Exterior Material | Combination |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 14,984 sqft (0.344 acres) |
| Lot Dimensions | 150 ft deep x 100 ft wide |
| Garage Type | Carport |
| Garage Area | 253 sqft |
| Carport | Carport |
| Carport Area | 253 sqft |
| Porch | Florida Room |
|---|---|
| Porch Area | 434 sqft |
| Shed | 1 Shed |
| Shed Area | 80 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Central |
| Street Address | 324 ALABAMA AVE |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-2643 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | SR2 |
| Legal Description | LAKE FRONT ADDN PB B PG 61 BLK 395 LOT 4 |
| 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 | 4 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 3 |
| Census Block | 3022 |
| Census Tract | 43400 |
Source: Osceola County records · APN 01-26-30-0001-0395-0040
Assessment roll updated November 26, 2025 · Last verified July 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 | 4725 RUMMELL RD, SAINT CLOUD, FL 34771-7207 |
| Owner Type | Individual |
| Vesting | Married Couple |
| Date | Document |
|---|---|
| Feb 02, 2022 | Warranty Deed, Transfer · Conventional Mortgage ANGEL OAK MORTGAGE SOLUTIONS LLC |
| Sep 27, 2021 | Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Feb 02, 2022 · Amount on Record |
| Deed Sale | Feb 02, 2022 · Amount on Record |
| Prior Sale | Nov 12, 2015 · Amount on Record |
| Deed Document Number | 202217407 |
| Deed Book / Page | 6141 / 1943 |
| Prior Transfer Date | Aug 31, 2021 |
| Prior Transfer Doc | 0060520808 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Feb 02, 2022 |
| Property Address | 324 ALABAMA AVE, SAINT CLOUD, FL 34769-2643 |
| Document Number | 0061411943 |
| Book / Page | 6141 / 1943 |
| Map Reference | MB B PG 61-64 |
| Instrument Date | Jan 31, 2022 |
| Instrument | 2022017407 |
| Transaction Type | Transfer |
| Record Updated | Jan 11, 2023 |
| Title Company | LAND TITLE CORPORATION, LAND TITLE PROFESSIONALS LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,150.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4700 RUMMELL RD, SAINT CLOUD, FL 34771-7206 |
| Name | Verified Name |
|---|---|
| Address | 809 E OAK ST STE 106, 106, KISSIMMEE, FL 34744-5834 |
| Document Number | 0061411945 |
|---|---|
| Date | Feb 02, 2022 |
| Instrument | 6141/1945 |
| Name | ANGEL OAK MORTGAGE SOLUTIONS LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 01, 2052 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Sep 27, 2021 |
| Property Address | 324 ALABAMA AVE, SAINT CLOUD, FL 34769-2643 |
| Document Number | 0060520808 |
| Book / Page | 6052 / 808 |
| Map Reference | MB B PG 61-64 |
| Instrument Date | Aug 31, 2021 |
| Instrument | 2021149611 |
| Transaction Type | Transfer |
| Record Updated | Jan 11, 2023 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6260 S BREEZE RD, SAINT CLOUD, FL 34771-9699 |
| Name | Verified Name |
|---|---|
| Address | 4700 RUMMELL RD, SAINT CLOUD, FL 34771-7206 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
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 | $7,602.00 (-0.45%) | $424,300 (+0.26%) Land $72,800 Building $351,500 | $424,300 (+0.26%) Land $72,800 Building $351,500 |
| 2024 | $7,636.00 (+0.09%) | ||
| 2023 | $7,629.00 (+37.31%) | $423,200 (+37.45%) Land $62,400 Building $360,800 | $423,200 (+37.45%) Land $62,400 Building $360,800 |
| 2022 | $5,556.00 | $307,900 Land $54,100 Building $253,800 | $307,900 Land $54,100 Building $253,800 |
Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| 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 |
|
| 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 at the parcel |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Lumen Technologies Fiber | 8,000 / 8,000 |
| Spectrum Cable | 1,000 / 1,000 |
May also be available: AT&T, Verizon.
Based on FCC filings for 368 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | ST. CLOUD, CITY OF (3 WPS) serves 82,752 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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