Osceola County property record for 401 Carolina Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3 ba · 3,006 sqft · built 1960 |
| Lot Size | 0.239 acres (10,454 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $450,500 (Sep 2023) |
| Tax Bill | $6,984 (2025) |
| Deeds & Mortgages | Sep 2023 Sale Dec 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 79474 |
| Primary APN | 79474 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 3,006 sqft Heated Area |
| Gross Area | 3,031 sqft |
| 1st Floor Area | 3,006 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1998 |
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 10,454 sqft (0.239 acres) |
| Lot Dimensions | 150 ft deep x 70 ft wide |
| Porch | Open Porch |
|---|---|
| Porch Area | 313 sqft |
| Fence | Fence |
| Shed | 1 Shed |
| Shed Area | 100 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 79474 |
|---|---|
| Street Address | 401 CAROLINA AVE |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-2928 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR1A |
| Legal Description | GALION GARDENS PB 1 PG 140 BLK 365 N 20 FT OF LOT 19, ALL LOT 20 1-26-30 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD |
| Legal Tract | 1 |
| Legal Block | 365 |
| Legal Lot Number | 1,19-20 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 5 |
| Census Block | 5023 |
| Census Tract | 43500 |
Source: Osceola County records, as of December 11, 2025
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 401 CAROLINA AVE, SAINT CLOUD, FL 34769-2928 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 5, 2023 | Warranty Deed, Transfer RED DOOR TITLE |
| Dec 3, 2020 | Warranty Deed, Transfer · Conventional Mortgage BANK OF ENGLAND |
| Apr 26, 2019 | Deed of Trust, Mortgage · Line of Credit BRANCH BK&TR |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 5, 2023 · Amount on Record |
| Deed Sale | Sep 5, 2023 · Amount on Record |
| Prior Sale | Nov 20, 2014 · Amount on Record |
| Deed Document Number | 2023115955 |
| Deed Book / Page | 6468 / 980 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Sep 5, 2023 |
| Property Address | 401 CAROLINA AVE, SAINT CLOUD, FL 34769-2928 |
| Document Number | 0064680980 |
| Book / Page | 6468 / 980 |
| Map Reference | MB 1 PG 140 |
| Instrument Date | Sep 1, 2023 |
| Instrument | 2023115955 |
| Transaction Type | Transfer |
| Record Updated | Sep 18, 2023 |
| Title Company | RED DOOR TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $3,153.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 355 W ARCHER DR, PUEBLO WEST, CO 81007-2864 |
| Name | Verified Name |
|---|---|
| Address | 401 CAROLINA AVE, SAINT CLOUD, FL 34769-2928 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Dec 3, 2020 |
| Property Address | 401 CAROLINA AVE, SAINT CLOUD, FL 34769-2928 |
| Document Number | 0058432762 |
| Book / Page | 005843 / 002762 |
| Instrument Date | Dec 3, 2020 |
| Instrument | 164108 |
| Transaction Type | Transfer |
| Record Updated | Dec 15, 2020 |
| Title Company | STEWART TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,274.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 29 SEPULVEDA DR PUEBLO CO 810052923, PUEBLO, CO 81005-2923 |
| Document Number | 58432764 |
|---|---|
| Date | Dec 3, 2020 |
| Book Page | 005843/002764 |
| Instrument | 164109 |
| Name | BANK OF ENGLAND |
|---|---|
| Type | Bank |
| Address | LITTLE ROCK, AR 72201 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 2, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 401 CAROLINA AVE, SAINT CLOUD, FL 34769-2928 |
| Document Number | 0055362482 |
| Instrument Date | Apr 26, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jun 20, 2019 |
| Title Company | ACCURATE EQUITY GROUP, ACCURATE EQUITY GRP |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 401 CAROLINA AVE ST CLOUD FL 347692928, ST CLOUD, FL 34769-2928 |
| Document Number | 0055362482 |
|---|---|
| Date | Jun 6, 2019 |
| Book Page | 005536/002482 |
| Instrument | 73266 |
| Name | BRANCH BK&TR |
|---|---|
| Type | Bank |
| Address | WHITEVILLE, NC 28472 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Jun 5, 2044 |
| Rate Type | Adjustable Rate |
|---|
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 | $6,984.00 (+12.75%) Homeowner's exemption | $433,100 (+12.17%) Land $55,000 Building $378,100 | $433,100 (+12.17%) Land $55,000 Building $378,100 |
| 2023 | $6,194.00 (+12.84%) Homeowner's exemption | $386,100 (+16.44%) Land $50,000 Building $336,100 | $386,100 (+16.44%) Land $50,000 Building $336,100 |
| 2022 | $5,489.00 | $331,600 Land $45,000 Building $286,600 | $331,600 Land $45,000 Building $286,600 |
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 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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