405 Chestnut St, Saint Cloud, FL 34769 Property Records

Osceola County property record for 405 Chestnut St, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,668 sqft · built 1972
Lot Size	0.416 acres (18,120 sqft)
Owner	2 Individual Names on File
Last Sale	$153,500 (Mar 2007)
Tax Bill	$6,233 (2025)
Deeds & Mortgages	Apr 2022 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`04-26-30-0900-0001-0100`

Property Details

APN / Parcel Number

Primary APN	`04-26-30-0900-0001-0100`
Alternative APNs	`263004090000010100` `82468`

Interior

Full Baths	3 Baths
Stories	2 Stories
Building Area	2,668 sqft Living Area
Gross Area	3,664 sqft
1st Floor Area	1,488 sqft
Upper Floors Area	1,180 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1975
Architectural Style	Conventional
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	18,120 sqft (0.416 acres)
Lot Dimensions	162 ft deep x 108 ft wide
Garage Type	Attached
Garage Area	572 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	480 sqft
Porch	Finished/Open Porch
Porch Area	424 sqft
Deck Area	900 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	405 CHESTNUT ST
City	SAINT CLOUD
State	FL
Zip	34769-1663
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR1
Legal Description	PINE LAKE ESTATES UNIT 1 PB 2 PG 58 LOT 10 09-26-30
Legal Range	30E
Legal Township	26S
Legal Section	04
Legal Subdivision	PINE LAKE ESTATES UNIT 1
Legal Tract	900
Legal Block	100
Legal Lot Number	10
Legal Unit	1P
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1000
Census Tract	43208

Owner

Source: Osceola County records · APN 04-26-30-0900-0001-0100

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	405 CHESTNUT ST, SAINT CLOUD, FL 34769-1663
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 23, 2007 · Amount on Record
Deed Sale	Mar 23, 2007 · Amount on Record
Prior Sale	Aug 15, 2000
Deed Document Number	200758842
Deed Book / Page	3440 / 441
Record Updated	Jun 08, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	405 CHESTNUT ST, SAINT CLOUD, FL 34769-1663
Transaction Type	Mortgage
Record Updated	Apr 19, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 CHESTNUT ST, SAINT CLOUD, FL 34769-1663

Mortgage

Document Number	0061872240
Date	Apr 05, 2022
Book Page	6187/2240
Instrument	2022054158

Lender

Name	NEIGHBORHOOD LOANS
Type	Mortgage Company
Address	DOWNERS GROVE, IL 60515

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 01, 2052

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	$6,233.00 (+3.38%) Homeowner's exemption	$391,143 (+5.99%)	$406,300 (-2.68%) Land $65,000 Building $341,300
2024	$6,029.00 (+2.41%)
2023	$5,887.00 (+3.34%) Homeowner's exemption	$369,049 (+3%)	$417,500 (+16.52%) Land $60,000 Building $357,500
2022	$5,697.00 Homeowner's exemption	$358,300 Land $55,000 Building $303,300	$358,300 Land $55,000 Building $303,300

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970432081, refreshed September 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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 29 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	35 units insured incl. 6 condo units

Wildfire

Wildfire Risk	Low lower than 65% of the US · lower than 91% of Florida
Wildfire Likelihood	0.03% annual chance
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 350 locations within half a mile · Last verified October 2026

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Starlink Satellite	280 / 30
Lumen Technologies DSL · Fiber in parts of the area	140 / 20

May also be available: Hotwire Communications, T-Mobile USA, Verizon.

Drinking Water

Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026

Water System	ST. CLOUD, CITY OF (3 WPS) serves 82,752 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.