401 Clay Dr, Saint Cloud, FL 34769 Property Records

Osceola County property record for 401 Clay Dr, Saint Cloud, FL 34769 · Last verified December 2025

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	2 Baths
Year Built	Built 1989
Square Footage	1,712 sqft Heated Area
Lot Size	20,081 sqft (0.46 acres)
Garage	Finished, 520 sqft
Last Sale	$85,200 (1989)
Tax Bill	$5,910.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`1326300660000100I0`
Alternative APN	`84684`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,712 sqft Heated Area
Gross Area	3,136 sqft Gross Area
1st Floor	1,712 sqft 1st Floor
Stories	1 Stories
Primary Flooring	Carpet Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 1989
Exterior Material	Concrete Block Exterior
Foundation Type	Footing Foundation
Roof Construction	Gable/Hip Roof Construction
Roof Material	Metal Roof
Lot Area	20,081 sqft (0.46 acres)
Depth X Width	123 ft x 164 ft Depth x Width
Parking Spaces	2 Parking Spaces
Garage Type	Finished Garage
Garage Area	520 sqft Garage

Exterior Amenities

Pool Area	450 sqft Pool
Deck Area	360 sqft Deck
Porch	Open Porch
Porch Area	904 sqft Porch

Utilities and HVAC

Cooling System	A/C Package Cooling
Heating System	HVAC Heating

Location & Zoning

Account Number	84684
Street Address	401 CLAY DR
City	SAINT CLOUD
State	FL
Zip	34769-5701
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	SO MICH ACRES IN CITY REPLAT PB 2 PG 42 BLK 1 LOT I ORD 86-FF
Legal Range	30E
Legal Township	26S
Legal Section	13
Legal Subdivision	S MICH ACRES REPLAT
Legal Tract	660
Legal Block	1
Legal Lot Number	I
Jurisdiction	OSCEOLA FL
Minor Civil Division	ST. CLOUD
Census Blockgroup	2
Census Block	2049
Census Tract	43303

Owner

Source: Osceola County records · APN 1326300660000100I0

Assessment roll updated July 1, 2025 · Last verified December 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 File
Co-owner	Verified Secondary Owner
Mailing Address	PO BOX 700715, SAINT CLOUD, FL 34770-0715
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 01, 1989 · Amount on Record
Deed Sale	Dec 01, 1989 · Amount on Record
Deed Doc Number	0000949457
Record Refreshed	Jun 08, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	401 CLAY DR, SAINT CLOUD, FL 34769-5701
Transaction Type	Mortgage
Record Updated	Apr 26, 2021
Title Company	SOUTHERN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 CLAY DR, SAINT CLOUD, FL 34769-5701

Mortgage

Document Number	0059201511
Date	Mar 25, 2021
Book Page	5920/1511
Instrument	2021044836

Lender

Name	PARTNERS FCU
Type	Credit Union
Address	ORLANDO, FL 32821

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 01, 2051

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,910.00 (+14.42%)	$335,300 (+4.03%) Land $60,000 Building $275,300	$335,300 (+4.03%) Land $60,000 Building $275,300
2023	$5,165.00 (+14.24%)	$322,300 (+23.58%) Land $55,000 Building $267,300	$322,300 (+23.58%) Land $55,000 Building $267,300
2022	$4,521.00	$260,800 Land $50,000 Building $210,800	$260,800 Land $50,000 Building $210,800

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 Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Moderate above 61% of the US · above 35% of Florida
Wildfire Likelihood	About 1 in 391 per year
Exposure	Direct burnable vegetation at the parcel

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