401 Columbia Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 401 Columbia Ave, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,677 sqft · built 1993
Lot Size	0.28 acres (12,196 sqft)
Owner	2 Individual Names on Record
Last Sale	$235,000 (Oct 2005)
Tax Bill	$1,197 (2025)
Deeds & Mortgages	May 2026 Mortgage Mar 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-26-30-0001-0390-0100`

Property Details

APN / Parcel Number

Primary APN	`01-26-30-0001-0390-0100`
Alternative APNs	`263001000103900100` `79815`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,677 sqft Living Area
Gross Area	2,079 sqft
1st Floor Area	1,107 sqft
Upper Floors Area	570 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1998
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	12,196 sqft (0.28 acres)
Lot Dimensions	138 ft deep x 90 ft wide

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	402 sqft
Shed	1 Shed
Shed Area	192 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	401 COLUMBIA AVE
City	SAINT CLOUD
State	FL
Zip	34769-2650
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR2
Legal Description	LAKEFRONT ADDN PB B PG 61-64 BLLK 390 N 66.66 FT OF BLLK 390 LESS E 138.4 FT AND S 1/2 OF VAC 4TH ST ABUTTING N SIDE OF SAID LEGAL 3/26/30
Legal Range	30E
Legal Township	26S
Legal Section	01
Legal Subdivision	ST CLOUD 2ND PLAT TOWN OF
Legal Tract	1
Legal Block	390
Legal Lot Number	10
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3006
Census Tract	43400

Owner

Source: Osceola County records, as of May 12, 2026

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	401 COLUMBIA AVE, SAINT CLOUD, FL 34769-2650
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 4, 2026	Deed of Trust, Mortgage · Conventional Mortgage NONE LISTED ON DOCUMENT
Mar 8, 2023	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 31, 2005 · Amount on Record
Deed Sale	Oct 31, 2005 · Amount on Record
Deed Document Number	2005238019
Deed Book / Page	2947 / 1634
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Recording Date	May 4, 2026
Property Address	401 COLUMBIA AVE, SAINT CLOUD, FL 34769-2650
Document Number	0000058708
Book / Page	6965 / 2960
Instrument Date	Apr 28, 2026
Instrument	202658708
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 COLUMBIA AVE, SAINT CLOUD, FL 34769-2650

Mortgage

Document Number	0000058708,
Date	May 4, 2026
Book Page	6965/2960
Instrument	202658708

Lender

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.46%
Initial Type	Fixed Rate
Max Rate	-1%

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	401 COLUMBIA AVE, SAINT CLOUD, FL 34769-2650
Transaction Type	Mortgage
Record Updated	Mar 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 COLUMBIA AVE, SAINT CLOUD, FL 34769-2650

Mortgage

Document Number	0063682009
Date	Mar 8, 2023
Book Page	6368/2009
Instrument	2023027481

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2053

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	$1,197.00 (+4.27%) Homeowner's exemption	$109,751 (+5.99%)	$304,800 (+12.1%) Land $55,000 Building $249,800
2024	$1,148.00 (+3.8%)
2023	$1,106.00 (+5.13%) Homeowner's exemption	$103,552 (+3%)	$271,900 (+16.15%) Land $50,000 Building $221,900
2022	$1,052.00 Homeowner's exemption	$100,536	$234,100 Land $45,000 Building $189,100

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 98 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	110 units insured incl. 12 condo units
Nearby Flood Claims	24 (1994–2022)
Claims Outside the SFHA	3 of 24
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Ian, Sep 2022 · 4 claims Hurricane Ian, Sep 2022 · 2 claims Hurricane Frances, Sep 2004 · 3 claims

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 95% of the US · lower than 95% 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 539 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	8,000 / 8,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

May also be available: AT&T, Verizon.

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