407 Delaware Ave, Saint Cloud, FL 34769 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,202 sqft · built 1984
Lot Size	0.26 acres (11,326 sqft)
Owner	Individual Name on File
Last Sale	$341,500 (Mar 2023)
Tax Bill	$4,181 (2025)
Deeds & Mortgages	Mar 2023 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`79458`

Property Details

APN / Parcel Number

Primary APN	`79458`
Alternative APN	`012630000103640190`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,202 sqft Heated Area
Gross Area	2,152 sqft
1st Floor Area	1,202 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1989
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	11,326 sqft (0.26 acres)
Lot Dimensions	150 ft deep x 75 ft wide
Garage Type	Finished
Garage Area	510 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	450 sqft
Porch	Porch
Porch Area	440 sqft
Deck Area	584 sqft
Patio Area	100 sqft
Fence	Fence
Shed	1 Shed
Shed Area	36 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	79458
Street Address	407 DELAWARE AVE
City	SAINT CLOUD
State	FL
Zip	34769-2979
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GALION GARDENS PB 1 PG 140 BLK 364 LOT 19 & N 25 FT OF LOT 18 1-26-30
Legal Range	30E
Legal Township	26S
Legal Section	01
Legal Subdivision	ST CLOUD
Legal Tract	1
Legal Block	364
Legal Lot Number	1,18-19
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	5
Census Block	5024
Census Tract	43500

Owner

Source: Osceola County records · APN 79458

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 Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	407 DELAWARE AVE, SAINT CLOUD, FL 34769-2979
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 01, 2023 · Amount on Record
Deed Sale	Mar 01, 2023 · Amount on Record
Prior Sale	May 27, 1998 · Amount on Record
Deed Document Number	2023024078
Deed Book / Page	6364 / 2202
Record Updated	Jun 08, 2026

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 01, 2023
Property Address	407 DELAWARE AVE, SAINT CLOUD, FL 34769-2979
Document Number	0063642202
Book / Page	6364 / 2202
Map Reference	MB 1 PG 140
Instrument Date	Feb 27, 2023
Instrument	2023024078
Transaction Type	Transfer
Record Updated	Mar 17, 2023
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,390.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	407 DELAWARE AVE, SAINT CLOUD, FL 34769-2979

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	407 DELAWARE AVE, SAINT CLOUD, FL 34769-2979

Mortgage

Document Number	0063642203
Date	Mar 01, 2023
Instrument	6364/2203

Lender

Name	EQUITY PRIME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 01, 2053

Tax Assessment & Valuation

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

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,181.00 (+271.98%) Homeowner's exemption	$276,500 (+164.45%) Land $55,000 Building $221,500	$276,500 (+11.99%) Land $55,000 Building $221,500
2023	$1,124.00 (+5.05%) Homeowner's exemption	$104,556 (+3%)	$246,900 (+14.78%) Land $50,000 Building $196,900
2022	$1,070.00 Homeowner's exemption	$101,511	$215,100 Land $45,000 Building $170,100

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 Zone	Zone X
Flood Hazard	Moderate
500-Year Floodplain	Yes
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Low above 34% of the US · above 8% of Florida
Wildfire Likelihood	About 1 in 3,333 per year
Exposure	Direct burnable vegetation at the parcel

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