409 Minnesota Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 409 Minnesota Ave, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,240 sqft · built 1997
Lot Size	0.241 acres (10,497 sqft)
Owner	Company Name on File
Last Sale	$95,000 (Jan 1997)
Tax Bill	$5,094 (2025)
Deeds & Mortgages	Apr 2018 Transfer
Flood Zone	Zone X (minimal risk)
APN	`01-26-30-0001-0377-0090`

Property Details

APN / Parcel Number

Primary APN	`01-26-30-0001-0377-0090`
Alternative APNs	`263001000103770090` `79644`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,240 sqft Living Area
Gross Area	1,756 sqft
1st Floor Area	1,240 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	L-Shape
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,497 sqft (0.241 acres)
Lot Dimensions	150 ft deep x 70 ft wide
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Metal Porch
Porch Area	324 sqft
Shed	1 Shed
Shed Area	140 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	409 MINNESOTA AVE
City	SAINT CLOUD
State	FL
Zip	34769-2742
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR1A
Legal Description	LAKEFRONT ADDN PB B PG 61-62 BLK 377 N 45 FT LOT 9 & S 25 FT LOT 10 2/26/30
Legal Range	30E
Legal Township	26S
Legal Section	01
Legal Subdivision	ST CLOUD 2ND PLAT TOWN OF
Legal Tract	1
Legal Block	377
Legal Lot Number	9
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1013
Census Tract	43400

Owner

Source: Osceola County records · APN 01-26-30-0001-0377-0090

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	Company Name on File
Mailing Address	6N100 MARGIE LN, ST CHARLES, IL 60175-8347
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jan 06, 1997 · Amount on Record
Deed Sale	Jan 06, 1997 · Amount on Record
Prior Sale	Sep 19, 1996 · Amount on Record
Deed Book / Page	1371 / 2808
Last Transfer Date	Apr 02, 2018
Transfer Doc	0053091395
Record Updated	Jun 08, 2026

April 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 02, 2018
Property Address	409 MINNESOTA AVE, SAINT CLOUD, FL 34769-2742
Document Number	0053091395
Book / Page	005309 / 001395
Instrument Date	Apr 02, 2018
Instrument	50803
Transaction Type	Transfer
Record Updated	Apr 18, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	409 MINNESOTA AVE ST CLOUD FL 347692742, ST CLOUD, FL 34769-2742

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 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	$5,094.00 (+419.27%)	$284,400 (+186.32%) Land $55,000 Building $229,400	$284,400 (+11.7%) Land $55,000 Building $229,400
2024	$981.00 (+4.47%)
2023	$939.00 (-3.1%) Homeowner's exemption Widower's exemption	$99,331 (+3%)	$254,600 (+15.57%) Land $50,000 Building $204,600
2022	$969.00 Homeowner's exemption Widower's exemption	$96,438	$220,300 Land $45,000 Building $175,300

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 12 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	12 in force

Wildfire

Wildfire Risk	Low lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Lumen Technologies Fiber	8,000 / 8,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Based on FCC filings for 306 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	ST. CLOUD, CITY OF (3 WPS) serves 82,752 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.