Osceola County property record for 407 James Pl, Saint Cloud, FL 34769 · Last verified April 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 1991 |
| Square Footage | 1,310 sqft Living Area |
| Lot Size | 7,535 sqft (0.173 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $326,000 (2022) |
| Tax Bill | $3,428.00 (2024) |
| Primary APN | 12-26-30-0025-0001-0160 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,310 sqft Living Area |
| Gross Area | 1,872 sqft Gross Area |
| 1st Floor | 1,310 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Tile Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 1991 |
|---|---|
| Effective Year Built | Effective 1991 |
| Architectural Style | Conventional Style |
| Exterior Material | Concrete Block Exterior |
| Construction Type | Masonry/Concrete Masonry Units (CMUs) Construction |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 7,535 sqft (0.173 acres) |
| Depth X Width | 135 ft x 55.8 ft Depth x Width |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 400 sqft Garage |
| Shed | 1 Shed |
| Shed Area | 120 sqft Shed |
| Porch Area | 162 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 407 JAMES PL |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-5314 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | DELAWARE GARDENS PB 5 PG 100 LOT 16 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 12 |
| Legal Subdivision | DELAWARE GARDENS |
| Legal Tract | 25 |
| Legal Block | 160 |
| Legal Lot Number | 16 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 2 |
| Census Block | 2013 |
| Census Tract | 43303 |
Source: Osceola County records · APN 12-26-30-0025-0001-0160
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 407 JAMES PL, SAINT CLOUD, FL 34769-5314 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Vesting | Husband And Wife |
| Date | Document |
|---|---|
| Sep 02, 2022 | Warranty Deed, Transfer · Veterans Administration Mortgage MORTGAGE SOLUTIONS OF COLORADO LLC |
| Oct 08, 2020 | Warranty Deed, Transfer · Conventional Mortgage NAVY FCU |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 02, 2022 · Amount on Record |
| Deed Sale | Sep 02, 2022 · Amount on Record |
| Prior Sale | Oct 08, 2020 · Amount on Record |
| Deed Doc Number | 2022135072 |
| Deed Book / Page | 6280 / 1915 |
| Prior Transfer Date | Sep 28, 2020 |
| Prior Transfer Doc | 0058081697 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Sep 02, 2022 |
| Property Address | 407 JAMES PL, SAINT CLOUD, FL 34769-5314 |
| Document Number | 0062801915 |
| Book / Page | 6280 / 1915 |
| Map Reference | MB 6 PG 100 |
| Instrument Date | Aug 31, 2022 |
| Instrument | 2022135072 |
| Transaction Type | Transfer |
| Record Updated | Sep 23, 2022 |
| Title Company | UNIK TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,282.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3760 ARROYO CIR, 3760, SAINT CLOUD, FL 34772-8158 |
| Name | Verified Name |
|---|---|
| Address | 407 JAMES PL, SAINT CLOUD, FL 34769-5314 |
| Document Number | 0062801917 |
|---|---|
| Date | Sep 02, 2022 |
| Instrument | 6280/1917 |
| Name | MORTGAGE SOLUTIONS OF COLORADO LLC |
|---|---|
| Type | Mortgage Company |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 01, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Oct 08, 2020 |
| Property Address | 407 JAMES PL, SAINT CLOUD, FL 34769-5314 |
| Document Number | 0058081697 |
| Book / Page | 5808 / 1697 |
| Map Reference | MB 6 PG 100 |
| Instrument Date | Sep 28, 2020 |
| Instrument | 2020135022 |
| Transaction Type | Transfer |
| Record Updated | Aug 01, 2022 |
| Title Company | NAVY FEDERAL TITLE SVCS LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,302.00 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|---|
| Address | HC 1 BOX 6737, 6737, LAS PIEDAS XX 771 |
| Name | Verified Name |
|---|---|
| Address | 407 JAMES PL, SAINT CLOUD, FL 34769-5314 |
| Document Number | 0058081699 |
|---|---|
| Date | Oct 08, 2020 |
| Instrument | 5808/1699 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 01, 2050 |
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 | $3,320.00 (-3.15%) Homeowner's exemption Veteran's exemption | $233,400 (+9.94%) Land $60,000 Building $173,400 | $233,400 (+9.94%) Land $60,000 Building $173,400 |
| 2024 | $3,428.00 (-10.43%) | ||
| 2023 | $3,827.00 (+28.29%) | $212,300 (+21.94%) Land $45,000 Building $167,300 | $212,300 (+21.94%) Land $45,000 Building $167,300 |
| 2022 | $2,983.00 | $174,100 Land $35,000 Building $139,100 | $174,100 Land $35,000 Building $139,100 |
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
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Wildfire Risk | Moderate above 64% of the US · above 40% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 467 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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