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406 James Pl, Saint Cloud, FL 34769 Property Records

Osceola County property record for 406 James Pl, Saint Cloud, FL 34769 · Last verified December 2025

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms2 Baths
Year BuiltBuilt 1998
Square Footage1,400 sqft Heated Area
Lot Size7,405 sqft (0.169 acres)
OccupancyOwner Occupied
Last Sale$208,000 (2017)
Tax Bill$2,377.00 (2025)

Property Details

APN / Parcel Number

Primary APN84418
Alternative APN
  • 122630002500010070

Interior

Bedrooms3 Beds
Full Baths2 Baths
Building Area1,400 sqft Heated Area
Gross Area2,256 sqft Gross Area
1st Floor1,400 sqft 1st Floor
Stories1 Stories
Primary FlooringTile Flooring
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 1998
Exterior MaterialConcrete Block Exterior
Foundation TypeFooting Foundation
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area7,405 sqft (0.169 acres)
Depth X Width135 ft x 55 ft Depth x Width
Parking Spaces2 Parking Spaces
Garage TypeFinished Garage
Garage Area408 sqft Garage

Exterior Amenities

Pool Area450 sqft Pool
FenceFence
Shed1 Shed
Shed Area80 sqft Shed
Deck Area470 sqft Deck
PorchOpen Porch
Porch Area448 sqft Porch

Utilities and HVAC

Cooling SystemA/C Package Cooling
Heating SystemHVAC Heating

Location & Zoning

Account Number84418
Street Address406 JAMES PL
CitySAINT CLOUD
StateFL
Zip34769-5311
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionDELAWARE GARDENS PB 5 PG 100 LOT 7
Legal Range30E
Legal Township26S
Legal Section12
Legal SubdivisionBROOKHAVEN/DELAWARE GARDENS
Legal Tract25
Legal Block1
Legal Lot Number7
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup2
Census Block2013
Census Tract43303

Owner

Source: Osceola County records · APN 84418

Assessment roll updated July 1, 2025 · Last verified December 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Co-ownerVerified Secondary Owner
Mailing Address406 JAMES PL, SAINT CLOUD, FL 34769-5311
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Feb 02, 2021Deed of Trust, Mortgage · Conventional Mortgage
MY MORTGAGE INC
Aug 07, 2017Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage
UNIVERSAL MORTGAGE & FINANCE INC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleAug 07, 2017 · Amount on Record
Deed SaleAug 07, 2017 · Amount on Record
Prior SaleApr 11, 2001 · Amount on Record
Deed Doc Number2017113255
Deed Book / Page5190 / 0556
Record RefreshedJun 08, 2026

February 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address406 JAMES PL, SAINT CLOUD, FL 34769-5311
Transaction TypeMortgage
Record UpdatedFeb 15, 2021

Transferred To (Grantee/Buyer)

NameVerified Name
Address406 JAMES PL, SAINT CLOUD, FL 34769-5311

Mortgage

Document Number0058822685
DateFeb 02, 2021
Book Page5882/2685
Instrument2021015100
Lender
NameMY MORTGAGE INC
TypeMortgage Company
AddressCROFTON, MD 21114
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueMar 01, 2051

August 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateAug 07, 2017
Property Address406 JAMES PL, SAINT CLOUD, FL 34769-5311
Document Number0051900556
Book / Page5190 / 0556
Map ReferenceMB5 PG100
Instrument DateJul 31, 2017
Instrument2017113255
Transaction TypeTransfer
Record UpdatedFeb 08, 2022
Title CompanyEQUITABLE TITLE MID FL LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,456.00
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address5035 MAGNOLIA RIDGE RD, 5035, FRUITLAND PARK, FL 34731-5907

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenant/Joint Tenant w/ Right Of Survivorship
Address406 JAMES PL, SAINT CLOUD, FL 34769-5311

Mortgage

Document Number0051900558
DateAug 07, 2017
Book Page5190/0558
Instrument2017113256
Lender
NameUNIVERSAL MORTGAGE & FINANCE INC
TypeMortgage Company
AddressEDGEWATER, MD 21037
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term360 Months
DueAug 01, 2047

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola 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.

YearTax BillAssessed ValueAssessed Market Value
2025$2,377.00 (+6.78%) Homeowner's exemption$175,708 (+5.99%)$269,900 (+9.32%) Land $60,000 Building $209,900
2023$2,226.00 (+3.97%) Homeowner's exemption$165,784 (+3%)$246,900 (+17.18%) Land $45,000 Building $201,900
2022$2,141.00 Homeowner's exemption$160,956$210,700 Land $35,000 Building $175,700

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo

Wildfire

Wildfire RiskModerate
above 64% of the US · above 40% of Florida
Wildfire LikelihoodAbout 1 in 467 per year
ExposureDirect
burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

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