328 Carolina Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 328 Carolina Ave, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	1 ba · 910 sqft · built 1955
Lot Size	0.258 acres (11,238 sqft)
Owner	2 Trust Names on File
Last Sale	$37,500 (Jul 2003)
Tax Bill	$3,111 (2025)
Deeds & Mortgages	Oct 2022 Line of Credit
Flood Zone	Zone X (moderate risk)
APN	`01-26-30-0001-0415-0050`

Property Details

APN / Parcel Number

Primary APN	`01-26-30-0001-0415-0050`
Alternative APNs	`263001000104150050` `80119`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	910 sqft Living Area
Gross Area	1,170 sqft
1st Floor Area	910 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1975
Architectural Style	Custom Design
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	11,238 sqft (0.258 acres)
Lot Dimensions	150 ft deep x 75 ft wide
Garage Type	Carport
Garage Area	200 sqft
Carport	Carport
Carport Area	200 sqft

Exterior Amenities

Porch	Unfinished Porch
Porch Area	128 sqft
Shed	1 Shed
Shed Area	48 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	328 CAROLINA AVE
City	SAINT CLOUD
State	FL
Zip	34769-2412
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR1A
Legal Description	GALION GARDENS PB 1 PG 140 BLK 415 LOT 5 S 1/2 LOT 4 1/26/30
Legal Range	30E
Legal Township	26S
Legal Section	01
Legal Subdivision	ST CLOUD 2ND PLAT TOWN OF
Legal Tract	1
Legal Block	415
Legal Lot Number	5
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	5
Census Block	5021
Census Tract	43500

Owner

328 Carolina Ave is held in a trust since May 2005.

Source: Osceola County records, as of December 29, 2025

Owner of Record	2 Trust Names on File
Mailing Address	1321 ENSENADA DR, ORLANDO, FL 32825-8310
Owner Type	Company
Vesting	Trust

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 Sale	Jul 23, 2003 · Amount on File
Deed Sale	Jul 23, 2003 · Amount on File
Deed Book / Page	2298 / 1731
Last Transfer Date	May 24, 2005
Transfer Doc	0028582030
Record Updated	Jun 8, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	328 CAROLINA AVE, SAINT CLOUD, FL 34769-2412
Transaction Type	Mortgage
Record Updated	Oct 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	238 CAROLINA AVE, SAINT CLOUD, FL 34769-2410

Mortgage

Document Number	0062960335
Date	Oct 7, 2022
Book Page	6296/335
Instrument	2022149038

Lender

Name	COASTAL COMMUNITY BANK
Type	Bank
Address	BURLINGAME, CA 94010

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 328 Carolina Ave was $3,111, up 7.4% from the year before.

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	$3,111.00 (+7.42%)	$190,300 Land $60,000 Building $130,300	$190,300 Land $60,000 Building $130,300
2024	$2,896.00 (+9.7%)
2023	$2,640.00 (+11.35%)	$166,200 (+14.23%) Land $55,000 Building $111,200	$166,200 (+14.23%) Land $55,000 Building $111,200
2022	$2,371.00	$145,500 Land $50,000 Building $95,500	$145,500 Land $50,000 Building $95,500

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

Flood

FEMA maps place 328 Carolina Ave in Zone X, an area of moderate flood risk.

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 51 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	51 in force

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 328 Carolina Ave is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 67% of the US · lower than 92% of Florida
Wildfire Likelihood	0.03% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 384 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	2,000 / 1,000
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20