338 Carolina Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 338 Carolina Ave, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,371 sqft · built 1959
Lot Size	0.172 acres (7,492 sqft)
Owner	Individual Name on File
Last Sale	$190,000 (Jul 2019)
Tax Bill	$2,312 (2025)
Deeds & Mortgages	Jul 2019 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`01-26-30-0001-0415-0100`

Property Details

APN / Parcel Number

Primary APN	`01-26-30-0001-0415-0100`
Alternative APNs	`263001000104150100` `80124`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,371 sqft Living Area
Gross Area	2,269 sqft
1st Floor Area	1,371 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1970
Architectural Style	Conventional
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,492 sqft (0.172 acres)
Lot Dimensions	150 ft deep x 0.5 ft wide
Garage Type	Detached
Garage Area	280 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	234 sqft
Shed	1 Shed
Shed Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	338 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 10 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	10
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	5
Census Block	5021
Census Tract	43500

Owner

338 Carolina Ave is owned and occupied by an individual who bought it in July 2019.

Source: Osceola County records, as of November 26, 2025

Owner of Record	Individual Name on File
Mailing Address	338 CAROLINA AVE, SAINT CLOUD, FL 34769-2412
Occupancy	Owner Occupied
Owner Type	Individual

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	Name on Deed
Last Sale	Jul 11, 2019 · Amount on File
Deed Sale	Jul 11, 2019 · Amount on File
Prior Sale	Jul 12, 2016 · Amount on File
Deed Document Number	201989124
Deed Book / Page	5555 / 673
Prior Transfer Date	Sep 9, 1997
Prior Transfer Doc	1433000773
Record Updated	Oct 29, 2026

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 11, 2019
Property Address	338 CAROLINA AVE, SAINT CLOUD, FL 34769-2412
Document Number	0055550673
Book / Page	5555 / 0673
Map Reference	MB 1 PG 140
Instrument Date	Jul 9, 2019
Instrument	2019089124
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,330.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	737 WILD CYPRESS CIR, 737, PONTE VEDRA, FL 32081-5736

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	338 CAROLINA AVE, SAINT CLOUD, FL 34769-2412

Mortgage

Document Number	0005555675
Date	Jul 11, 2019
Instrument	5555/675

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 338 Carolina Ave was $2,312 with a homeowner's exemption, up 3.7% 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	$2,312.00 (+3.72%) Homeowner's exemption	$172,047	$272,000 Land $54,000 Building $218,000
2024	$2,229.00 (+3%)
2023	$2,164.00 (+3.99%) Homeowner's exemption	$162,330 (+3%)	$235,100 (+19.16%) Land $49,500 Building $185,600
2022	$2,081.00 Homeowner's exemption	$157,602	$197,300 Land $45,000 Building $152,300

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

Flood

FEMA maps place 338 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 338 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