400 Indiana Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 400 Indiana Ave, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,435 sqft · built 1953
Lot Size	0.321 acres (13,982 sqft)
Owner	2 Individual Names on Record
Last Sale	$200,000 (Aug 2020)
Tax Bill	$2,716 (2025)
Deeds & Mortgages	Aug 2020 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`01-26-30-0001-0371-0010`

Property Details

APN / Parcel Number

Primary APN	`01-26-30-0001-0371-0010`
Alternative APNs	`263001000103710010` `79539`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,435 sqft Living Area
Gross Area	2,517 sqft
1st Floor Area	1,435 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1953
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	13,982 sqft (0.321 acres)
Lot Dimensions	144 ft deep x 100 ft wide
Garage Type	Detached
Garage Area	882 sqft
Parking Spaces	6 Parking Spaces
Porch	Finished Vinyl Porch
Porch Area	200 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	400 INDIANA AVE
City	SAINT CLOUD
State	FL
Zip	34769-2863
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR1A
Legal Description	LAKE FRONT ADDN PB B PG 61 BLK 371 LOT 1 LESS W 6 FT FOR ALLEY
Legal Range	30E
Legal Township	26S
Legal Section	01
Legal Subdivision	ST CLOUD 2ND PLAT TOWN OF
Legal Tract	1
Legal Block	371
Legal Lot Number	1
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3019
Census Tract	43500

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	400 INDIANA AVE, SAINT CLOUD, FL 34769-2863
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 17, 2020 · Amount on Record
Deed Sale	Aug 17, 2020 · Amount on Record
Deed Document Number	2020107940
Deed Book / Page	5775 / 1055
Prior Transfer Date	Aug 14, 2020
Prior Transfer Doc	0057751055
Record Updated	Jun 8, 2026

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 17, 2020
Property Address	400 INDIANA AVE, SAINT CLOUD, FL 34769-2863
Document Number	0057751055
Book / Page	5775 / 1055
Map Reference	MB B PG 61
Instrument Date	Aug 14, 2020
Instrument	2020107940
Transaction Type	Transfer
Record Updated	Aug 1, 2022
Title Company	STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,400.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	400 INDIANA AVE, 400, SAINT CLOUD, FL 34769-2863

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	400 INDIANA AVE, SAINT CLOUD, FL 34769-2863

Mortgage

Document Number	0057751056
Date	Aug 17, 2020
Instrument	5775/1056

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

Tax Assessment & Valuation

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	$2,716.00 (+3.62%) Homeowner's exemption	$194,635 (+5.99%)	$265,500 (+13.03%) Land $63,200 Building $202,300
2024	$2,621.00 (+2.86%)
2023	$2,548.00 (+3.87%) Homeowner's exemption	$183,641 (+3%)	$234,900 (+12.72%) Land $57,500 Building $177,400
2022	$2,453.00 Homeowner's exemption	$178,293	$208,400 Land $51,800 Building $156,600

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

Flood

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 40 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	40 in force
Nearby Flood Claims	3 (1995–2022)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Sep 2022 · Hurricane Ian

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

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	0.02% annual chance
Exposure	None beyond ember reach

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 330 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