401 James Pl, Saint Cloud, FL 34769 Property Records

Osceola County property record for 401 James Pl, Saint Cloud, FL 34769 · Last verified April 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	2 Baths
Year Built	Built 1992
Square Footage	1,284 sqft Living Area
Lot Size	7,535 sqft (0.173 acres)
Occupancy	Owner Occupied
Last Sale	$150,000 (2005)
Tax Bill	$1,562.00 (2024)

Property Details

APN / Parcel Number

Primary APN	`12-26-30-0025-0001-0170`
Alternative APNs	`263012002500010170` `84428`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,284 sqft Living Area
Gross Area	1,915 sqft Gross Area
1st Floor	1,284 sqft 1st Floor
Stories	1 Stories
Primary Flooring	Carpet Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Architectural Style	Conventional Style
Exterior Material	Concrete Block Exterior
Construction Type	Masonry/Concrete Masonry Units (CMUs) Construction
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	7,535 sqft (0.173 acres)
Depth X Width	135 ft x 55.8 ft Depth x Width
Parking Spaces	2 Parking Spaces
Garage Type	Attached Garage
Garage Area	420 sqft Garage
Porch Area	267 sqft Porch

Utilities and HVAC

Cooling System	A/C Package Cooling
Heating System	HVAC Heating

Location & Zoning

Street Address	401 JAMES PL
City	SAINT CLOUD
State	FL
Zip	34769-5314
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	DELAWARE GARDENS PB 5 PG 100 LOT 17
Legal Range	30E
Legal Township	26S
Legal Section	12
Legal Subdivision	DELAWARE GARDENS
Legal Tract	25
Legal Block	170
Legal Lot Number	17
Jurisdiction	OSCEOLA FL
Minor Civil Division	ST. CLOUD
Census Blockgroup	2
Census Block	2013
Census Tract	43303

Owner

Source: Osceola County records · APN 12-26-30-0025-0001-0170

Assessment roll updated November 26, 2025 · Last verified April 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 File
Mailing Address	401 JAMES PL, SAINT CLOUD, FL 34769-5314
Occupancy	Owner Occupied
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	Apr 11, 2005 · Amount on Record
Deed Sale	Apr 11, 2005 · Amount on Record
Prior Sale	Oct 21, 2002 · Amount on Record
Deed Doc Number	200587404
Deed Book / Page	2752 / 2995
Last Transfer Date	Aug 18, 2005
Transfer Doc	0028732149
Record Refreshed	Jun 08, 2026

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	401 JAMES PL, SAINT CLOUD, FL 34769-5314
Transaction Type	Mortgage
Record Updated	Aug 01, 2022
Title Company	MORTGAGEE TITLE SERVICES INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0051091083
Date	Mar 01, 2017
Book Page	5109/1083
Instrument	2017032381

Lender

Name	CENTRAL FLORIDA EDUCATORS FCU
Type	Credit Union
Address	LAKE MARY, FL 32746

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Feb 28, 2027

Tax Assessment & Valuation

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

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	$1,623.00 (+3.91%) Homeowner's exemption	$133,602 (+5.99%)	$232,800 (+9.97%) Land $60,000 Building $172,800
2024	$1,562.00 (+3.38%)
2023	$1,511.00 (+4.5%) Homeowner's exemption	$126,056 (+3%)	$211,700 (+19.54%) Land $45,000 Building $166,700
2022	$1,446.00 Homeowner's exemption	$122,385	$177,100 Land $35,000 Building $142,100

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft

Wildfire

Wildfire Risk	Moderate above 64% of the US · above 40% of Florida
Wildfire Likelihood	About 1 in 467 per year
Exposure	Direct burnable vegetation at the parcel

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