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401 Chestnut St, Saint Cloud, FL 34769 Property Records

Osceola County property record for 401 Chestnut St, Saint Cloud, FL 34769 · Last verified June 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms4 Beds
Bathrooms3 Baths
Year BuiltBuilt 1973
Square Footage2,480 sqft Living Area
Lot Size13,285 sqft (0.305 acres)
OccupancyOwner Occupied
Last Sale$246,000 (2020)
Tax Bill$3,978.00 (2025)

Property Details

APN / Parcel Number

Primary APN04-26-30-0900-0001-0080
Alternative APNs
  • 263004090000010080
  • 82466

Interior

Bedrooms4 Beds
Full Baths3 Baths
Building Area2,480 sqft Living Area
Gross Area3,598 sqft Gross Area
1st Floor1,280 sqft 1st Floor
Upper Floors1,200 sqft Upper Floors
Stories2 Stories
Primary FlooringCarpet Flooring
Interior StructureWallboard/Drywall Interior Structure
FireplaceFireplace
Fireplaces1 Fireplaces

Exterior

Year BuiltBuilt 1973
Effective Year BuiltEffective 1973
Architectural StyleConventional Style
Exterior MaterialConcrete Block Exterior
Construction TypeMasonry/Concrete Masonry Units (CMUs) Construction
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area13,285 sqft (0.305 acres)
Depth X Width138 ft x 126 ft Depth x Width
Parking Spaces2 Parking Spaces
Garage TypeAttached Garage
Garage Area650 sqft Garage

Exterior Amenities

Pool TypeIn-Ground Pool Pool Type
Pool Area512 sqft Pool
Deck Area420 sqft Deck
Porch Area693 sqft Porch

Utilities and HVAC

Cooling SystemA/C Package Cooling
Heating SystemHVAC Heating

Location & Zoning

Street Address401 CHESTNUT ST
CitySAINT CLOUD
StateFL
Zip34769-1663
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionPINE LAKE ESTATES UNIT 1 LOT 8 PB 2 PG 58 09-26-30
Legal Range30E
Legal Township26S
Legal Section04
Legal SubdivisionPINE LAKE ESTATES UNIT 1
Legal Tract900
Legal Block1
Legal Lot Number8
Legal Unit1L
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup1
Census Block1000
Census Tract43208

Owner

Source: Osceola County records · APN 04-26-30-0900-0001-0080

Assessment roll updated November 26, 2025 · Last verified June 2026

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

Owner of RecordIndividual Name on File
Mailing Address401 CHESTNUT ST, SAINT CLOUD, FL 34769-1663
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
May 20, 2026Deed of Trust, Mortgage · Line of Credit
TRUSTCO BANK
Feb 03, 2020Warranty Deed, Transfer · Conventional Mortgage
HAMILTON GROUP FUNDING INC
Nov 01, 2019Quit Claim Deed, Transfer
NOT AVAILABLE

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleFeb 03, 2020 · Amount on Record
Deed SaleFeb 03, 2020 · Amount on Record
Prior SaleApr 01, 2015 · Amount on Record
Deed Doc Number202016399
Deed Book / Page5667 / 2944
Prior Transfer DateOct 31, 2019
Prior Transfer Doc0056162673
Record RefreshedSep 20, 2026

May 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Recording DateMay 20, 2026
Property Address401 CHESTNUT ST, SAINT CLOUD, FL 34769-1663
Document Number0000066776
Book / Page6974 / 2024
Instrument DateMay 02, 2026
Instrument202666776
Transaction TypeMortgage
Record UpdatedJul 12, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

NameVerified Name
Address401 CHESTNUT ST, SAINT CLOUD, FL 34769-1663
InvestorPossibly a Property Investor

Mortgage

Document Number0000066776,
DateMay 20, 2026
Book Page6974/2024
Instrument202666776
Lender
NameTRUSTCO BANK
Agreement
TypeLine of Credit
AmountAmount Recorded
Term360 Months
DueMay 02, 2056
Interest
Rate6.46%
Max Rate-1%

February 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateFeb 03, 2020
Property Address401 CHESTNUT ST, SAINT CLOUD, FL 34769-1663
Document Number0056672944
Book / Page5667 / 2944
Map ReferenceMB 2 PG 58
Instrument DateJan 31, 2020
Instrument2020016399
Transaction TypeTransfer
Record UpdatedFeb 08, 2022
Title CompanySTEWART TITLE COMPANY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,722.00
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address401 CHESTNUT ST, 401, SAINT CLOUD, FL 34769-1663

Transferred To (Grantee/Buyer)

NameVerified Name
Address401 CHESTNUT ST, SAINT CLOUD, FL 34769-1663

Mortgage

Document Number0056672945
DateFeb 03, 2020
Instrument5667/2945
Lender
NameHAMILTON GROUP FUNDING INC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueFeb 01, 2050

November 2019: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionOSCEOLA FL
Recording DateNov 01, 2019
Property Address401 CHESTNUT ST, SAINT CLOUD, FL 34769-1663
Document Number0056162673
Book / Page005616 / 002673
Instrument DateOct 31, 2019
Instrument142394
Transaction TypeTransfer
Record UpdatedNov 15, 2019
Title CompanyNOT AVAILABLE

Transaction

Tax$0.00
Additional
  • Quitclaim Document
  • Interfamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address401 CHESTNUT ST ST CLOUD FL 347691663, ST CLOUD, FL 34769-1663

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified June 2026

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$3,978.00 (+3.49%) Homeowner's exemption$265,136 (+5.99%)$375,800 (-1.98%) Land $65,000 Building $310,800
2024$3,844.00 (+2.62%)
2023$3,746.00 (+3.57%) Homeowner's exemption$250,160 (+3%)$383,400 (+16.11%) Land $60,000 Building $323,400
2022$3,617.00 Homeowner's exemption$242,874$330,200 Land $55,000 Building $275,200

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo
Nearest Special Flood Hazard AreaZone AE, within 500 ft

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

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