Osceola County property record for 332 Carolina Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 892 sqft · built 1960 |
| Lot Size | 0.169 acres (7,405 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $255,000 (Sep 2025) |
| Tax Bill | $3,338 (2025) |
| Deeds & Mortgages | Sep 2025 Sale & Mortgage Mar 2017 Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | 80121 |
| Primary APN | 80121 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 892 sqft Heated Area |
| Gross Area | 1,396 sqft |
| 1st Floor Area | 892 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1980 |
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 7,405 sqft (0.169 acres) |
| Lot Dimensions | 150 ft deep x 50 ft wide |
| Garage Type | Carport |
| Garage Area | 280 sqft |
| Carport | Carport |
| Porch | Open Porch |
| Porch Area | 224 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 80121 |
|---|---|
| Street Address | 332 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 7 1/26/30 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD 2ND AND 3RD STREETS |
| Legal Tract | 1 |
| Legal Block | 415 |
| Legal Lot Number | 1,7 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 5 |
| Census Block | 5021 |
| Census Tract | 43500 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 2801 SAND CRANE LN, KISSIMMEE, FL 34744-3861 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 12, 2025 | Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Mar 23, 2017 | Deed of Trust, Mortgage · Conventional Mortgage FIDELITY FUNDING MORTGAGE CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 12, 2025 · Amount on Record |
| Deed Sale | Sep 12, 2025 · Amount on Record |
| Prior Sale | Feb 26, 2005 · Amount on Record |
| Deed Document Number | 2025113486 |
| Deed Book / Page | 6848 / 1276 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Sep 12, 2025 |
| Property Address | 332 CAROLINA AVE, SAINT CLOUD, FL 34769-2412 |
| Document Number | 0068481276 |
| Book / Page | 6848 / 1276 |
| Map Reference | MB 1 PG 140 |
| Instrument Date | Sep 9, 2025 |
| Instrument | 2025113486 |
| Transaction Type | Transfer |
| Record Updated | Apr 2, 2026 |
| Title Company | ORLANDO TITLE PROFESSIONALS LL, LAND TITLE PROFESSIONALS LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,785.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2125 PINE GROVE RD, SAINT CLOUD, FL 34771-8646 |
| Name | Verified Name |
|---|---|
| Address | 2801 SAND CRANE LN, KISSIMMEE, FL 34744-3861 |
| Document Number | 0068481278 |
|---|---|
| Date | Sep 12, 2025 |
| Instrument | 6848/1278 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 332 CAROLINA AVE, SAINT CLOUD, FL 34769-2412 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0051210906 |
|---|---|
| Date | Mar 23, 2017 |
| Book Page | 5121/0906 |
| Instrument | 2017045044 |
| Name | FIDELITY FUNDING MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MAITLAND, FL 32751 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2047 |
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 | $3,338.00 (+7.09%) | $220,400 (+1.61%) Land $54,000 Building $166,400 | $220,400 (+1.61%) Land $54,000 Building $166,400 |
| 2024 | $3,117.00 (+10.06%) | $216,900 (+13.5%) Land $52,200 Building $164,700 | $216,900 (+13.5%) Land $52,200 Building $164,700 |
| 2023 | $2,832.00 (+12.92%) | $191,100 (+18.47%) Land $49,500 Building $141,600 | $191,100 (+18.47%) Land $49,500 Building $141,600 |
| 2022 | $2,508.00 | $161,300 Land $45,000 Building $116,300 | $161,300 Land $45,000 Building $116,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Record 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.
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.
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 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 |
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