Osceola County property record for 406 Chestnut St, Saint Cloud, FL 34769 · Last verified April 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,872 sqft · built 1971 |
| Lot Size | 0.286 acres (12,458 sqft) |
| Owner | Individual Name on File |
| Last Sale | $195,000 (Sep 2016) |
| Tax Bill | $2,525 (2025) |
| Flood Zone | Zone X (moderate risk) |
| APN | 04-26-30-0900-0001-0520 |
| Primary APN | 04-26-30-0900-0001-0520 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,872 sqft Living Area |
| Gross Area | 2,480 sqft |
| 1st Floor Area | 1,872 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1971 |
|---|---|
| Effective Year Built | Effective 1991 |
| Architectural Style | Conventional |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 12,458 sqft (0.286 acres) |
| Lot Dimensions | 125 ft deep x 105 ft wide |
| Garage Type | Attached |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
|---|---|
| Porch Area | 80 sqft |
| Patio Area | 448 sqft |
| Shed | 1 Shed |
| Shed Area | 160 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 406 CHESTNUT ST |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-1662 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PINE LAKE ESTATES UNIT 1 PB 2 PG 58 LOT 52 09-26-30 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 04 |
| Legal Subdivision | PINE LAKE ESTATES UNIT 1 |
| Legal Tract | 900 |
| Legal Block | 520 |
| Legal Lot Number | 52 |
| Legal Unit | 1P |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 43208 |
Source: Osceola County records · APN 04-26-30-0900-0001-0520
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 | Individual Name on File |
|---|---|
| Mailing Address | 406 CHESTNUT ST, SAINT CLOUD, FL 34769-1662 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Sep 14, 2016 · Amount on Record |
| Deed Sale | Sep 14, 2016 · Amount on Record |
| Prior Sale | Jun 01, 2016 · Amount on Record |
| Deed Document Number | 2016140587 |
| Deed Book / Page | 5024 / 2637 |
| Prior Transfer Date | Jul 20, 2006 |
| Prior Transfer Doc | 0032261831 |
| Record Updated | Jun 08, 2026 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
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 | $2,525.00 (+3.65%) Homeowner's exemption | $183,962 (+5.99%) | $325,100 (-4.16%) Land $65,000 Building $260,100 |
| 2024 | $2,436.00 (+2.92%) | ||
| 2023 | $2,367.00 (+3.95%) Homeowner's exemption | $173,571 (+3%) | $339,200 (+15.97%) Land $60,000 Building $279,200 |
| 2022 | $2,277.00 Homeowner's exemption | $168,516 | $292,500 Land $55,000 Building $237,500 |
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
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Moderate |
| 500-Year Floodplain | Yes |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Cost | Premium on Record median of 29 individual NFIP policies nearby |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 35 units insured (6 under condo master policies) 24 of 29 individual policies on primary residences |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| 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.
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