409 Dakota Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 409 Dakota Ave, Saint Cloud, FL 34769 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,452 sqft · built 1972
Lot Size	0.237 acres (10,323 sqft)
Owner	2 Individual Names on File
Last Sale	$258,000 (May 2021)
Tax Bill	$4,478 (2025)
Deeds & Mortgages	May 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-26-30-0033-0001-0710`

Property Details

APN / Parcel Number

Primary APN	`03-26-30-0033-0001-0710`
Alternative APNs	`263003003300010710` `81593`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,452 sqft Living Area
Gross Area	1,752 sqft
1st Floor Area	1,116 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1972
Effective Year Built	Effective 2000
Architectural Style	L-Shape
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,323 sqft (0.237 acres)
Lot Dimensions	100 ft deep x 1 ft wide
Garage Type	Carport
Garage Area	170 sqft
Carport	Carport
Carport Area	170 sqft

Exterior Amenities

Porch	Florida Room
Porch Area	396 sqft
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	Central

Location & Zoning

Street Address	409 DAKOTA AVE
City	SAINT CLOUD
State	FL
Zip	34769-2770
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUNNY ACRES PB 2 PG 52 N 62.5 FT LOT 71 & S 37.5 FT LOT 70
Legal Range	30E
Legal Township	26S
Legal Section	03
Legal Subdivision	SUNNY ACRES CORRECTED PLAT OF
Legal Tract	33
Legal Block	710
Legal Lot Number	71
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3030
Census Tract	43400

Owner

Source: Osceola County records · APN 03-26-30-0033-0001-0710

Assessment roll updated November 26, 2025 · Last verified August 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	409 DAKOTA AVE, SAINT CLOUD, FL 34769-2770
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 04, 2021 · Amount on Record
Deed Sale	May 04, 2021 · Amount on Record
Prior Sale	Aug 19, 1998 · Amount on Record
Deed Document Number	202168326
Deed Book / Page	5950 / 2050
Record Updated	Sep 20, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	409 DAKOTA AVE, SAINT CLOUD, FL 34769-2770
Transaction Type	Mortgage
Record Updated	May 26, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4379 HICKORY TREE RD, SAINT CLOUD, FL 34772-8922

Mortgage

Document Number	0059502052
Date	May 04, 2021
Book Page	5950/2052
Instrument	2021068327

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 01, 2051

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified August 2026

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 and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,478.00 (+3.44%) Homeowner's exemption	$293,111 (+5.99%)	$325,200 (+9.72%) Land $55,000 Building $270,200
2024	$4,329.00 (+2.56%)
2023	$4,221.00 (+3.48%) Homeowner's exemption	$276,555 (+3%)	$296,400 (+10.39%) Land $50,000 Building $246,400
2022	$4,079.00 Homeowner's exemption	$268,500 Land $45,000 Building $223,500	$268,500 Land $45,000 Building $223,500

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970434003, refreshed September 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
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Cost	Premium on Record median of 98 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	110 units insured (12 under condo master policies) 75 of 98 individual policies on primary residences
Nearby Flood Claims	24 (1994–2022)
Claims Outside the SFHA	3 of 24
Most Recent Claim	Sep 2022, river or lake flooding, Hurricane Ian
Flood Events	Hurricane Ian (Sep 2022), 4 claims Hurricane Ian (Sep 2022), 2 claims Hurricane Frances (Sep 2004), 3 claims

Wildfire

Wildfire Risk	Low above 5% of the US · above 4% of Florida
Wildfire Likelihood	About 1 in 4,762 per year
Exposure	Direct burnable vegetation at the parcel

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.