Osceola County property record for 401 Wisconsin Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,300 sqft · built 1981 |
| Lot Size | 0.169 acres (7,405 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $3,345 (2025) |
| Deeds & Mortgages | Jul 2026 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 79685 |
| Primary APN | 79685 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,300 sqft Heated Area |
| Gross Area | 1,444 sqft |
| 1st Floor Area | 988 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1981 |
|---|---|
| Effective Year Built | Effective 1986 |
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 7,405 sqft (0.169 acres) |
| Lot Dimensions | 150 ft deep x 50 ft wide |
| Garage Type | Finished |
| Garage Area | 312 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
|---|---|
| Porch Area | 144 sqft |
| Shed | 1 Shed |
| Shed Area | 120 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 79685 |
|---|---|
| Street Address | 401 WISCONSIN AVE |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-2760 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR1A |
| Legal Description | LAKE FRONT ADDN PB B PG 61-62 BLK 380 N 50 FT LOT 10 2/26/30 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD |
| Legal Tract | 1 |
| Legal Block | 380 |
| Legal Lot Number | 2,10 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2014 |
| Census Tract | 43400 |
Source: Osceola County records, as of December 11, 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 Record |
|---|---|
| Mailing Address | PO BOX 453343, KISSIMMEE, FL 34745-3343 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 2, 2025 |
| Deed Sale | Apr 2, 2025 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jul 23, 2026 |
| Property Address | 401 WISCONSIN AVE, SAINT CLOUD, FL 34769-2760 |
| Document Number | 0000096115 |
| Book / Page | 7008 / 525 |
| Instrument Date | Jun 26, 2026 |
| Instrument | 202696115 |
| Transaction Type | Mortgage |
| Record Updated | Aug 4, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 401 WISCONSIN AVE, SAINT CLOUD, FL 34769-2760 |
| Document Number | 0000096115, |
|---|---|
| Date | Jul 23, 2026 |
| Book Page | 7008/525 |
| Instrument | 202696115 |
| Name | FIFTH THIRD BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 25, 2056 |
| Rate | 6.53% |
|---|---|
| Max Rate | -1% |
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 | $3,345.00 (+16.11%) Homeowner's exemption | $229,800 (+22.3%) Land $46,800 Building $183,000 | $229,800 (+22.3%) Land $46,800 Building $183,000 |
| 2023 | $2,881.00 (+12.76%) | $187,900 (+18.32%) Land $42,500 Building $145,400 | $187,900 (+18.32%) Land $42,500 Building $145,400 |
| 2022 | $2,555.00 | $158,800 Land $35,100 Building $123,700 | $158,800 Land $35,100 Building $123,700 |
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 minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 18 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 18 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 | None beyond ember reach |
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 306 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CenturyLink Fiber | 8,000 / 8,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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