Osceola County property record for 409 Florida Ave, Saint Cloud, FL 34769 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bathrooms | 1 Baths |
| Year Built | Built 1972 |
| Square Footage | 1,398 sqft Heated Area |
| Lot Size | 7,405 sqft (0.169 acres) |
| Garage | 308 sqft |
| Occupancy | Owner Occupied |
| Last Sale | $87,500 (2000) |
| Tax Bill | $640.00 (2025) |
| Primary APN | 79566 |
|---|---|
| Alternative APN |
|
| Full Baths | 1 Baths |
|---|---|
| Building Area | 1,398 sqft Heated Area |
| Gross Area | 1,711 sqft Gross Area |
| 1st Floor | 1,270 sqft 1st Floor |
| Stories | 1 Stories |
| Interior Structure | Plaster Interior Structure |
| Year Built | Built 1925 |
|---|---|
| Effective Year Built | Effective 1972 |
| Exterior Material | Vinyl Exterior |
| Foundation Type | Footing Foundation |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Metal Roof |
| Lot Area | 7,405 sqft (0.169 acres) |
| Depth X Width | 150 ft x 50 ft Depth x Width |
| Parking Spaces | 1 Parking Spaces |
| Garage Area | 308 sqft Garage |
| Porch | Enclosed Porch |
| Porch Area | 441 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Account Number | 79566 |
|---|---|
| Street Address | 409 FLORIDA AVE |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-2856 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LAKE FRONT ADDN PB B PG 61/62 BLK 372 N 50 FT LOT 9 2/26/30 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD |
| Legal Tract | 1 |
| Legal Block | 372 |
| Legal Lot Number | 2,9 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 3 |
| Census Block | 3018 |
| Census Tract | 43500 |
Source: Osceola County records · APN 79566
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 | 2 Owner Names on File |
|---|---|
| Mailing Address | 409 FLORIDA AVE, SAINT CLOUD, FL 34769-2856 |
| Occupancy | Owner Occupied |
| Date | Document |
|---|---|
| Aug 09, 2021 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage MIDLAND MORTGAGE |
| Feb 08, 2017 | Loan Modification, Mortgage · Conventional Mortgage MIDFIRST BK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 06, 2000 · Amount on Record |
| Deed Sale | Jun 06, 2000 · Amount on Record |
| Deed Doc Number | 0174301108 |
| Deed Book / Page | 01743 / 01108 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 409 FLORIDA AVE, SAINT CLOUD, FL 34769-2856 |
| Transaction Type | Mortgage |
| Record Updated | Aug 20, 2021 |
| Title Company | FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO |
| Name | Verified Name |
|---|---|
| Address | 409 FLORIDA AVE, SAINT CLOUD, FL 34769-2856 |
| Document Number | 0060182613 |
|---|---|
| Date | Aug 09, 2021 |
| Book Page | 6018/2613 |
| Instrument | 2021122791 |
| Name | MIDLAND MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | OKLAHOMA CITY, OK 73118 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 306 Months |
| Due | Feb 01, 2047 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 409 FLORIDA AVE, SAINT CLOUD, FL 34769-2856 |
| Document Number | 0051252456 |
| Instrument Date | Feb 08, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 20, 2018 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 409 FLORIDA AVE ST CLOUD FL 347692856, ST CLOUD, FL 34769-2856 |
| Document Number | 0051252456 |
|---|---|
| Date | Apr 03, 2017 |
| Book Page | 005125/002456 |
| Instrument | 49975 |
| Name | MIDFIRST BK |
|---|---|
| Type | Federal Savings Bank (FSB) |
| Address | OKLAHOMA CITY, OK 73118 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 02, 2047 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.62% |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| 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 | $640.00 (+9.03%) Homeowner's exemption | $78,663 (+5.98%) | $238,000 (+13.28%) Land $46,800 Building $191,200 |
| 2023 | $587.00 (+1.91%) Homeowner's exemption | $74,221 (+3%) | $210,100 (+14.87%) Land $42,500 Building $167,600 |
| 2022 | $576.00 Homeowner's exemption | $72,060 | $182,900 Land $35,100 Building $147,800 |
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 |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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