324 James Pl, Saint Cloud, FL 34769 Property Records

Osceola County property record for 324 James Pl, Saint Cloud, FL 34769 · Last verified December 2025

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	2 Baths
Year Built	Built 1993
Square Footage	1,140 sqft Heated Area
Lot Size	7,405 sqft (0.169 acres)
Occupancy	Owner Occupied
Last Sale	$328,000 (2025)
Tax Bill	$710.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`84416`
Alternative APN	`122630002500010050`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,140 sqft Heated Area
Gross Area	1,590 sqft Gross Area
1st Floor	1,140 sqft 1st Floor
Stories	1 Stories
Primary Flooring	Carpet Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1993
Exterior Material	Concrete Block Exterior
Foundation Type	Footing Foundation
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	7,405 sqft (0.169 acres)
Depth X Width	135 ft x 55 ft Depth x Width
Parking Spaces	1 Parking Spaces
Garage Type	Finished Garage
Garage Area	264 sqft Garage

Exterior Amenities

Shed	1 Shed
Shed Area	49 sqft Shed
Porch	Open Porch
Porch Area	186 sqft Porch

Utilities and HVAC

Cooling System	A/C Package Cooling
Heating System	HVAC Heating

Location & Zoning

Account Number	84416
Street Address	324 JAMES PL
City	SAINT CLOUD
State	FL
Zip	34769-5339
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	DELAWARE GARDENS PB 5 PG 100 LOT 5
Legal Range	30E
Legal Township	26S
Legal Section	12
Legal Subdivision	BROOKHAVEN/DELAWARE GARDENS
Legal Tract	25
Legal Block	1
Legal Lot Number	5
Jurisdiction	OSCEOLA FL
Minor Civil Division	ST. CLOUD
Census Blockgroup	2
Census Block	2013
Census Tract	43303

Owner

Source: Osceola County records · APN 84416

Assessment roll updated July 1, 2025 · Last verified December 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	324 JAMES PL, SAINT CLOUD, FL 34769-5339
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	Oct 21, 2025 · Amount on Record
Deed Sale	Oct 21, 2025 · Amount on Record
Prior Sale	Apr 02, 2025 · Amount on Record
Deed Doc Number	2025130209
Deed Book / Page	6867 / 2829
Record Refreshed	Jun 08, 2026

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 21, 2025
Property Address	324 JAMES PL, SAINT CLOUD, FL 34769-5339
Document Number	0068672829
Book / Page	6867 / 2829
Map Reference	MB 5 PG 100
Instrument Date	Oct 17, 2025
Instrument	2025130209
Transaction Type	Transfer
Record Updated	Oct 31, 2025
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATL TTL OF FL INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,296.00
Amount Accuracy	Full Amount Stated
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	975 PANASOL PL, ORLANDO, FL 32828

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	324 JAMES PL, SAINT CLOUD, FL 34769-5339

Mortgage

Document Number	0068672831
Date	Oct 21, 2025
Instrument	6867/2831

Lender

Name	AMERICAN NEIGHBORHOOD MTG ACCEPTANC
Type	Mortgage Company

Agreement

Type	Federal Housing Administration (FHA) Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2055

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 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

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$710.00 (+4.87%) Homeowner's exemption	$82,558 (+2.9%)	$210,700 (-2.23%) Land $60,000 Building $150,700
2024	$677.00 (+5.29%) Homeowner's exemption	$80,232 (+3%)	$215,500 (+13.18%) Land $55,000 Building $160,500
2023	$643.00 (+6.63%) Homeowner's exemption	$77,896 (+3%)	$190,400 (+19.82%) Land $45,000 Building $145,400
2022	$603.00 Homeowner's exemption	$75,628	$158,900 Land $35,000 Building $123,900

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	Moderate above 64% of the US · above 40% of Florida
Wildfire Likelihood	About 1 in 467 per year
Exposure	Direct burnable vegetation at the parcel

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