Osceola County property record for 406 Carolina Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 981 sqft · built 1960 |
| Lot Size | 0.169 acres (7,405 sqft) |
| Owner | Owner Name on File |
| Last Sale | $46,000 (Jun 2009) |
| Tax Bill | $3,486 (2025) |
| Deeds & Mortgages | Mar 2022 Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | 79476 |
| Primary APN | 79476 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 981 sqft Heated Area |
| Gross Area | 1,647 sqft |
| 1st Floor Area | 981 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1978 |
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Built-Up Asphalt |
| Lot Area | 7,405 sqft (0.169 acres) |
| Lot Dimensions | 150 ft deep x 50 ft wide |
| Porch | Open Porch |
| Porch Area | 594 sqft |
| Fence | Fence |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 79476 |
|---|---|
| Street Address | 406 CAROLINA AVE |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-2978 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR1A |
| Legal Description | GALION GARDENS PB 1 PG 140 BLK 366 LOT 3 1-26-30 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD |
| Legal Tract | 1 |
| Legal Block | 366 |
| Legal Lot Number | 1,3 1 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 5 |
| Census Block | 5022 |
| Census Tract | 43500 |
The current owner of 406 Carolina Ave acquired it in October 2009.
Source: Osceola County records, as of December 11, 2025
| Owner of Record | Owner Name on File |
|---|---|
| Mailing Address | 2425 TOUCAN CT, SAINT CLOUD, FL 34771-9511 |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 24, 2009 · Amount on File |
| Deed Sale | Jun 24, 2009 · Amount on File |
| Prior Sale | Jun 24, 2009 · Amount on File |
| Deed Document Number | 0038522666 |
| Last Transfer Date | Oct 6, 2009 |
| Transfer Doc | 0038972832 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 406 CAROLINA AVE, SAINT CLOUD, FL 34769-2978 |
| Transaction Type | Mortgage |
| Record Updated | Jun 8, 2026 |
| Name | Verified Name |
|---|---|
| Address | 2425 TOUCAN CT, SAINT CLOUD, FL 34771-9511 |
| Document Number | 0061822053 |
|---|---|
| Date | Mar 30, 2022 |
| Book Page | 6182/2053 |
| Instrument | 2022050348 |
| Name | SOUTH STATE BANK NA |
|---|---|
| Type | Bank |
| Address | WINTER HAVEN, FL 33881 |
| Type | SBA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Feb 28, 2047 |
The 2025 property tax bill for 406 Carolina Ave was $3,486.
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 | $3,486.00 | $216,200 Land $46,800 Building $169,400 | $216,200 Land $46,800 Building $169,400 |
| 2023 | $2,970.00 (+12.88%) | $190,700 (+18.89%) Land $42,500 Building $148,200 | $190,700 (+18.89%) Land $42,500 Building $148,200 |
| 2022 | $2,631.00 | $160,400 Land $35,100 Building $125,300 | $160,400 Land $35,100 Building $125,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 406 Carolina Ave in Zone X, an area of moderate flood risk.
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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 51 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 51 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.
Wildfire risk around 406 Carolina 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 67% of the US · lower than 92% of Florida |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 384 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CenturyLink Fiber | 2,000 / 1,000 |
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures