407 Carolina Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 407 Carolina Ave, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,486 sqft · built 1963
Lot Size	0.248 acres (10,802 sqft)
Owner	2 Individual Names on File
Last Sale	$290,000 (Feb 2025)
Tax Bill	$694 (2025)
Deeds & Mortgages	Jun 2017 Transfer
Flood Zone	Zone X (moderate risk)
APN	`01-26-30-0001-0365-0180`

Property Details

APN / Parcel Number

Primary APN	`01-26-30-0001-0365-0180`
Alternative APNs	`263001000103650180` `79473`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,486 sqft Living Area
Gross Area	2,128 sqft
1st Floor Area	1,486 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1970
Architectural Style	L-Shape
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,802 sqft (0.248 acres)
Lot Dimensions	150 ft deep x 72 ft wide
Garage Type	Carport
Garage Area	252 sqft
Carport	Carport
Carport Area	252 sqft

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	282 sqft
Shed	1 Shed
Shed Area	84 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	407 CAROLINA AVE
City	SAINT CLOUD
State	FL
Zip	34769-2928
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR1A
Legal Description	GALION GARDENS PB 1 PG 140 BLK 365 N 42 FT LOT 18 & S 30 FT LOT 19 1-26-30
Legal Range	30E
Legal Township	26S
Legal Section	01
Legal Subdivision	ST CLOUD 2ND PLAT TOWN OF
Legal Tract	1
Legal Block	365
Legal Lot Number	18
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	5
Census Block	5023
Census Tract	43500

Owner

407 Carolina Ave is owned by two individuals who bought it in February 2025.

Source: Osceola County records, as of November 26, 2025

Owner of Record	2 Individual Names on File
Mailing Address	1750 CUNNINGHAM DR, SAINT CLOUD, FL 34771-9745
Owner Type	Individual
Vesting	Husband and Wife

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 4, 2025 · Amount on File
Deed Sale	Feb 4, 2025 · Amount on File
Prior Sale	Jun 1, 2017 · Amount on File
Deed Document Number	202514770
Deed Book / Page	6735 / 1412
Prior Transfer Date	Jun 7, 2017
Prior Transfer Doc	0051642723
Record Updated	Jun 8, 2026

June 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 16, 2017
Property Address	407 CAROLINA AVE, SAINT CLOUD, FL 34769-2928
Document Number	0051642723
Book / Page	005164 / 002723
Instrument Date	Jun 7, 2017
Instrument	87536
Transaction Type	Transfer
Record Updated	Jul 17, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	407 CAROLINA AVE ST CLOUD FL 347692928, ST CLOUD, FL 34769-2928

Tax Assessment & Valuation

The 2025 property tax bill for 407 Carolina Ave was $694, up 5% from the year before.

Source: Osceola County assessment roll, as of November 26, 2025

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$694.00 (+4.99%)	$81,652	$236,800 Land $55,000 Building $181,800
2024	$661.00 (+5.25%)
2023	$628.00 (+6.26%) Homeowner's exemption	$77,040 (+3%)	$209,300 (+12.83%) Land $50,000 Building $159,300
2022	$591.00 Homeowner's exemption	$74,797	$185,500 Land $45,000 Building $140,500

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 407 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

Wildfire risk around 407 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.

Drinking Water

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

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, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

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