402 Pennsylvania Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 402 Pennsylvania Ave, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,377 sqft · built 1925
Lot Size	0.258 acres (11,238 sqft)
Owner	Individual Name on File
Last Sale	$151,000 (Sep 2024)
Tax Bill	$4,818 (2025)
Deeds & Mortgages	Oct 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-26-30-0001-0374-0010`

Property Details

APN / Parcel Number

Primary APN	`01-26-30-0001-0374-0010`
Alternative APNs	`263001000103740010` `79582`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,377 sqft Living Area
Gross Area	2,125 sqft
1st Floor Area	1,377 sqft
Flooring	Wood
Interior Walls	Plaster

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1980
Architectural Style	Conventional
Exterior Material	Combination
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	11,238 sqft (0.258 acres)
Lot Dimensions	150 ft deep x 75 ft wide
Garage Type	Carport
Garage Area	364 sqft
Carport	Carport
Carport Area	364 sqft
Porch	Finished Vinyl Porch
Porch Area	384 sqft
Utility Building	160 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	402 PENNSYLVANIA AVE
City	SAINT CLOUD
State	FL
Zip	34769-2883
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR1A
Legal Description	LAKE FRONT ADDN PB B PG 61/62 BLK 374 N 75 FT 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	374
Legal Lot Number	1
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1017
Census Tract	43500

Owner

402 Pennsylvania Ave is owned and occupied by an individual who acquired it in October 2024.

Source: Osceola County records, as of February 2, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	402 PENNSYLVANIA AVE, SAINT CLOUD, FL 34769-2883
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 16, 2024 · Amount on File
Deed Sale	Sep 16, 2024 · Amount on File
Prior Sale	Oct 2, 2018 · Amount on File
Deed Document Number	2024119021
Deed Book / Page	6665 / 1284
Last Transfer Date	Oct 2, 2024
Transfer Doc	0066802754
Record Updated	Sep 20, 2026

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 2, 2018
Property Address	402 PENNSYLVANIA AVE, SAINT CLOUD, FL 34769-2883
Document Number	0054102680
Book / Page	5410 / 2680
Map Reference	MB B PG61-64
Instrument Date	Oct 1, 2018
Instrument	2018147860
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	STEWART TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,260.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	227 PINE VALLEY RD, 227, SAINT CLOUD, FL 34769-1450

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	402 PENNSYLVANIA AVE, SAINT CLOUD, FL 34769-2883

Mortgage

Document Number	2018147863
Date	Oct 2, 2018
Instrument	2018147863

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 402 Pennsylvania Ave was $4,818, up 138% from the year before.

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	$4,818.00 (+138.04%)	$269,000 Land $55,000 Building $214,000	$269,000 Land $55,000 Building $214,000
2024	$2,024.00 (+3.11%)
2023	$1,963.00 (+4.14%) Homeowner's exemption	$151,166 (+3%)	$237,500 (+16.65%) Land $50,000 Building $187,500
2022	$1,885.00 Homeowner's exemption	$146,764	$203,600 Land $45,000 Building $158,600

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

Flood

FEMA maps place 402 Pennsylvania Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1994.

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 File median of 17 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	17 in force
Nearby Flood Claims	1 (1994)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Nov 1994 · rainfall accumulation

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

Wildfire risk around 402 Pennsylvania Ave is low, with a 0.03% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 93% 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.

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 330 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