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407 Alabama Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 407 Alabama Ave, Saint Cloud, FL 34769 · Last verified December 2025

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms4 Beds
Bathrooms2 Baths
Year BuiltBuilt 1980
Square Footage1,248 sqft Heated Area
Lot Size8,712 sqft (0.2 acres)
OccupancyOwner Occupied
Last Sale$215,000 (2020)
Tax Bill$2,879.00 (2025)

Property Details

APN / Parcel Number

Primary APN0126300001038500K0
Alternative APN
  • 79739

Interior

Bedrooms4 Beds
Full Baths2 Baths
Building Area1,248 sqft Heated Area
Gross Area1,808 sqft Gross Area
1st Floor1,248 sqft 1st Floor
Stories1 Stories
Interior StructurePlaster Interior Structure

Exterior

Year BuiltBuilt 1960
Effective Year BuiltEffective 1980
Exterior MaterialConcrete Block Exterior
Foundation TypeFooting Foundation
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area8,712 sqft (0.2 acres)
Depth X Width138 ft x 62.5 ft Depth x Width
Garage TypeCarport Garage
CarportCarport

Exterior Amenities

FenceFence
Shed1 Shed
Shed Area80 sqft Shed
PorchOpen Porch
Porch Area320 sqft Porch

Utilities and HVAC

Cooling SystemA/C Package Cooling
Heating SystemHVAC Heating

Location & Zoning

Account Number79739
Street Address407 ALABAMA AVE
CitySAINT CLOUD
StateFL
Zip34769-2644
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionLAKE SHORE PARK UNIT 1 PB 1 PG 414 BLK 385 LOT K
Legal Range30E
Legal Township26S
Legal Section01
Legal SubdivisionST CLOUD
Legal Tract1
Legal Block385
Legal Lot NumberK
Legal Unit1P
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup3
Census Block3035
Census Tract43400

Owner

Source: Osceola County records · APN 0126300001038500K0

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 Record2 Individual Names on File
Mailing Address407 ALABAMA AVE, SAINT CLOUD, FL 34769-2644
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Jul 01, 2022Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage
IMC MORTGAGE CORP
Apr 01, 2020Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage
CALIBER HM LOANS

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleApr 01, 2020 · Amount on Record
Deed SaleApr 01, 2020 · Amount on Record
Prior SaleNov 22, 2004 · Amount on Record
Deed Doc Number2020045558
Deed Book / Page5701 / 2674
Record RefreshedJun 08, 2026

July 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address407 ALABAMA AVE, SAINT CLOUD, FL 34769-2644
Transaction TypeMortgage
Record UpdatedJul 14, 2022
Title CompanyWFG LENDER SERVICES

Transferred To (Grantee/Buyer)

NameVerified Name
Address407 ALABAMA AVE, SAINT CLOUD, FL 34769-2644

Mortgage

Document Number0062432919
DateJul 01, 2022
Book Page6243/2919
Instrument2022102607
Lender
NameIMC MORTGAGE CORP
TypeMortgage Company
AddressIRVINE, CA 92612
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term360 Months
DueJul 01, 2052

April 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateApr 01, 2020
Property Address407 ALABAMA AVE, SAINT CLOUD, FL 34769-2644
Document Number0057012674
Book / Page005701 / 002674
Instrument DateMar 31, 2020
Instrument45558
Transaction TypeTransfer
Record UpdatedJun 08, 2020
Title CompanyFIRST AMERICAN TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,505.00
Amount AccuracyConfirmed
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband And Wife
Address407 ALABAMA AVE ST CLOUD FL 347692644, ST CLOUD, FL 34769-2644

Mortgage

Document Number57012675
DateApr 01, 2020
Book Page005701/002675
Instrument45559
Lender
NameCALIBER HM LOANS
TypeFunding / Finance Company
AddressCOPPELL, TX 75019
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term360 Months
DueMar 31, 2050

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$2,879.00 (+6.51%) Homeowner's exemption$203,744 (+5.99%)$284,500 (+11.09%) Land $46,800 Building $237,700
2023$2,703.00 (+3.8%) Homeowner's exemption$192,235 (+3%)$256,100 (+11.01%) Land $42,500 Building $213,600
2022$2,604.00 Homeowner's exemption$186,636$230,700 Land $38,200 Building $192,500

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 RiskLow
above 5% of the US · above 4% of Florida
Wildfire LikelihoodAbout 1 in 4,762 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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