Osceola County property record for 402 Minnesota Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,487 sqft · built 1995 |
| Lot Size | 0.344 acres (14,984 sqft) |
| Owner | Individual Name on File |
| Last Sale | $230,000 (Jan 2020) |
| Tax Bill | $3,342 (2025) |
| Deeds & Mortgages | Oct 2023 Second Mortgage Jan 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-26-30-0001-0378-0010 |
| Primary APN | 01-26-30-0001-0378-0010 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,487 sqft Living Area |
| Gross Area | 2,283 sqft |
| 1st Floor Area | 1,487 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 2000 |
| Architectural Style | Conventional |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 14,984 sqft (0.344 acres) |
| Lot Dimensions | 150 ft deep x 100 ft wide |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Florida Room |
| Porch Area | 356 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 402 MINNESOTA AVE |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-2743 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR1A |
| Legal Description | LAKE FRONT ADDN PB B PG 61-62 BLK 378 LOT 1 2/26/30 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD 2ND PLAT TOWN OF |
| Legal Tract | 1 |
| Legal Block | 378 |
| Legal Lot Number | 1 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 43400 |
Source: Osceola County assessment roll, as of November 26, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 402 MINNESOTA AVE, SAINT CLOUD, FL 34769-2743 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 17, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage FAIRWINDS CU |
| Jan 2, 2020 | Warranty Deed, Transfer · FHA Mortgage AMERICAN NEIGHBORHOOD MTG ACCEPTANC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jan 2, 2020 · Amount on Record |
| Deed Sale | Jan 2, 2020 · Amount on Record |
| Deed Document Number | 202058 |
| Deed Book / Page | 5650 / 2042 |
| Prior Transfer Date | Sep 29, 2006 |
| Prior Transfer Doc | 0033190029 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 402 MINNESOTA AVE, SAINT CLOUD, FL 34769-2743 |
| Transaction Type | Mortgage |
| Record Updated | Oct 30, 2023 |
| Title Company | MORTGAGE TITLE SERVICES INC, MORTGAGEE TITLE SERVICES INC |
| Name | Verified Name |
|---|---|
| Address | 402 MINNESOTA AVE, SAINT CLOUD, FL 34769-2743 |
| Document Number | 0064902893 |
|---|---|
| Date | Oct 17, 2023 |
| Book Page | 6490/2893 |
| Instrument | 2023136612 |
| Name | FAIRWINDS CU |
|---|---|
| Type | Credit Union |
| Address | ORLANDO, FL 32826 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Oct 16, 2038 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jan 2, 2020 |
| Property Address | 402 MINNESOTA AVE, SAINT CLOUD, FL 34769-2743 |
| Document Number | 0056502042 |
| Book / Page | 5650 / 2042 |
| Map Reference | MB B PG 61-64 |
| Instrument Date | Dec 31, 2019 |
| Instrument | 2020000058 |
| Transaction Type | Transfer |
| Record Updated | Feb 8, 2022 |
| Title Company | FIRST AMERICAN TITLE INS CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,610.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 823, LOWMANSVILLE, KY 41232 |
| Name | Verified Name |
|---|---|
| Address | 402 MINNESOTA AVE, SAINT CLOUD, FL 34769-2743 |
| Document Number | 0056502044 |
|---|---|
| Date | Jan 2, 2020 |
| Instrument | 5650/2044 |
| Name | AMERICAN NEIGHBORHOOD MTG ACCEPTANC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 1, 2050 |
Source: Osceola County assessment roll, as of November 26, 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 | $3,342.00 (+3.56%) Homeowner's exemption | $229,604 (+5.99%) | $323,600 (+11.97%) Land $63,200 Building $260,400 |
| 2024 | $3,227.00 (+2.71%) | ||
| 2023 | $3,142.00 (+3.66%) Homeowner's exemption | $216,635 (+3%) | $289,000 (+16.06%) Land $57,500 Building $231,500 |
| 2022 | $3,031.00 Homeowner's exemption | $210,326 | $249,000 Land $51,800 Building $197,200 |
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 12 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 12 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 |
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) |
|---|---|
| Lumen Technologies Fiber | 8,000 / 8,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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