Osceola County property record for 400 Connecticut Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,149 sqft · built 1964 |
| Lot Size | 0.3 acres (13,068 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $296,900 (Dec 2020) |
| Tax Bill | $3,757 (2025) |
| Deeds & Mortgages | Nov 2022 Transfer Dec 2020 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 79661 |
| Primary APN | 79661 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,149 sqft Heated Area |
| Gross Area | 2,845 sqft |
| 1st Floor Area | 2,149 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1964 |
|---|---|
| Effective Year Built | Effective 1989 |
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 13,068 sqft (0.3 acres) |
| Lot Dimensions | 150 ft deep x 88 ft wide |
| Garage Type | Finished |
| Garage Area | 506 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 100 sqft |
| Fence | Fence |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 79661 |
|---|---|
| Street Address | 400 CONNECTICUT AVE |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-2731 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR1A |
| Legal Description | LAKE FRONT ADDN PB B PG 61-62 BLK 379 N 88 FT LOT 1 2/26/30 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD |
| Legal Tract | 1 |
| Legal Block | 379 |
| Legal Lot Number | 1-2 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 43400 |
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 | 400 CONNECTICUT AVE, SAINT CLOUD, FL 34769-2731 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 22, 2022 | Quit Claim Deed, Transfer Quitclaim |
| Dec 29, 2020 | Warranty Deed, Transfer · FHA Mortgage AMERIFIRST FINANCIAL CORP |
| Jun 26, 2019 | Loan Modification, Mortgage · Conventional Mortgage ADVANTA IRA SERVICES LLC |
| Oct 26, 2018 | Deed of Trust, Mortgage · Conventional Mortgage 8006970 |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 29, 2020 · Amount on Record |
| Deed Sale | Dec 29, 2020 · Amount on Record |
| Prior Sale | Dec 29, 2020 · Amount on Record |
| Deed Document Number | 0058591571 |
| Deed Book / Page | 5859 / 1571 |
| Last Transfer Date | Nov 22, 2022 |
| Transfer Doc | 0063181747 |
| Record Updated | Jun 8, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Nov 22, 2022 |
| Property Address | 400 CONNECTICUT AVE, SAINT CLOUD, FL 34769-2731 |
| Document Number | 0063181747 |
| Book / Page | 6318 / 1747 |
| Map Reference | MB B PG 61-64 |
| Instrument Date | Nov 19, 2022 |
| Instrument | 2022169052 |
| Transaction Type | Transfer |
| Record Updated | Dec 7, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 400 CONNECTICUT AVE, 400, SAINT CLOUD, FL 34769-2731 |
| Name | Verified Name |
|---|---|
| Address | 400 CONNECTICUT AVE, SAINT CLOUD, FL 34769-2731 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Dec 29, 2020 |
| Property Address | 400 CONNECTICUT AVE, SAINT CLOUD, FL 34769-2731 |
| Document Number | 0058591571 |
| Book / Page | 5859 / 1571 |
| Map Reference | MB B PG 61-64 |
| Instrument Date | Dec 28, 2020 |
| Instrument | 2020175892 |
| Transaction Type | Transfer |
| Record Updated | Feb 8, 2022 |
| Title Company | A CLEAR CHOICE T&E OF OSCEOL |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,078.30 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 400 OHIO AVE, 400, SAINT CLOUD, FL 34769-2877 |
| Name | Verified Name |
|---|---|
| Address | 400 CONNECTICUT AVE, SAINT CLOUD, FL 34769-2731 |
| Document Number | 0058591572 |
|---|---|
| Date | Dec 29, 2020 |
| Instrument | 5859/1572 |
| Name | AMERIFIRST FINANCIAL CORP |
|---|---|
| Type | Funding / Finance Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2051 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 400 CONNECTICUT AVE, SAINT CLOUD, FL 34769-2731 |
| Document Number | 0055521937 |
| Instrument Date | Jun 26, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jul 29, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 400 CONNECTICUT AVE ST CLOUD FL 347692731, ST CLOUD, FL 34769-2731 |
| Document Number | 0055521937 |
|---|---|
| Date | Jul 5, 2019 |
| Book Page | 005552/001937 |
| Instrument | 86716 |
| Name | ADVANTA IRA SERVICES LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 4, 2049 |
| Rate | 12% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 400 CONNECTICUT AVE, SAINT CLOUD, FL 34769-2731 |
| Document Number | 0054281383 |
| Instrument Date | Oct 26, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Nov 20, 2018 |
| Name | Verified Name |
|---|---|
| Address | 400 CONNECTICUT AVE ST CLOUD FL 347692731, ST CLOUD, FL 34769-2731 |
| Document Number | 0054281383 |
|---|---|
| Date | Nov 2, 2018 |
| Book Page | 005428/001383 |
| Instrument | 163904 |
| Name | 8006970 |
|---|---|
| Address | 13191 STARKEY RD # 2, LARGO, FL 33773-1438 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate | 12% |
|---|
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 | $3,757.00 (+6.22%) Homeowner's exemption | $252,822 (+5.99%) | $358,100 (+11.94%) Land $63,200 Building $294,900 |
| 2023 | $3,537.00 (+4.09%) Homeowner's exemption | $238,541 (+3.39%) | $319,900 (+16.58%) Land $57,500 Building $262,400 |
| 2022 | $3,398.00 Homeowner's exemption | $230,720 | $274,400 Land $51,800 Building $222,600 |
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 minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 12 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 12 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 | None beyond ember reach |
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 306 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CenturyLink Fiber | 8,000 / 8,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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