Osceola County property record for 410 Florida Ave, Saint Cloud, FL 34769 · Last verified December 2025
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,153 sqft · built 1936 |
| Lot Size | 0.339 acres (14,810 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $236,500 (May 2018) |
| Tax Bill | $2,039 (2025) |
| Deeds & Mortgages | Aug 2020 Mortgage May 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 79570 |
| Primary APN | 79570 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,153 sqft Heated Area |
| Gross Area | 2,485 sqft |
| 1st Floor Area | 1,599 sqft |
| Upper Floors Area | 554 sqft |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1936 |
|---|---|
| Exterior Material | Aluminum Siding |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 14,810 sqft (0.339 acres) |
| Lot Dimensions | 150 ft deep x 100 ft wide |
| Garage Type | Mixed |
| Garage Area | 720 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
|---|---|
| Porch Area | 164 sqft |
| Deck Area | 348 sqft |
| Patio Area | 348 sqft |
| Fence | Fence |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 79570 |
|---|---|
| Street Address | 410 FLORIDA AVE |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-2857 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LAKE FRONT ADDN PB B PG 61/62 BLK 373 LOT 2 2/26/30 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD |
| Legal Tract | 1 |
| Legal Block | 373 |
| Legal Lot Number | 2 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1018 |
| Census Tract | 43500 |
Source: Osceola County records · APN 79570
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 Individual Names on File |
|---|---|
| Mailing Address | 410 FLORIDA AVE, SAINT CLOUD, FL 34769-2857 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 04, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FAIRWINDS CU |
| May 22, 2018 | Warranty Deed, Transfer · Conventional with PMI FAIRWINDS CU |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 22, 2018 · Amount on Record |
| Deed Sale | May 22, 2018 · Amount on Record |
| Prior Sale | May 07, 2004 · Amount on Record |
| Deed Document Number | 2018080407 |
| Deed Book / Page | 5337 / 2767 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 410 FLORIDA AVE, SAINT CLOUD, FL 34769-2857 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | APOLLO TITLE COMPANY |
| Name | Verified Name |
|---|
| Document Number | 0057671724 |
|---|---|
| Date | Aug 04, 2020 |
| Book Page | 5767/1724 |
| Instrument | 2020101399 |
| Name | FAIRWINDS CU |
|---|---|
| Type | Credit Union |
| Address | ORLANDO, FL 32826 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Sep 01, 2035 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | May 22, 2018 |
| Property Address | 410 FLORIDA AVE, SAINT CLOUD, FL 34769-2857 |
| Document Number | 0053372767 |
| Book / Page | 005337 / 002767 |
| Instrument Date | May 18, 2018 |
| Instrument | 80407 |
| Transaction Type | Transfer |
| Record Updated | Jun 08, 2018 |
| Title Company | STEWART TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,655.50 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 410 FLORIDA AVE ST CLOUD FL 347692857, ST CLOUD, FL 34769-2857 |
| Document Number | 53372768 |
|---|---|
| Date | May 22, 2018 |
| Book Page | 005337/002768 |
| Instrument | 80408 |
| Name | FAIRWINDS CU |
|---|---|
| Address | ORLANDO, FL 32826 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | May 21, 2038 |
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 | $2,039.00 (+10.57%) Homeowner's exemption | $156,799 (+8.45%) | $353,100 (+13.94%) Land $63,200 Building $289,900 |
| 2023 | $1,844.00 (+4.18%) Homeowner's exemption | $144,576 (+3%) | $309,900 (+16.07%) Land $57,500 Building $252,400 |
| 2022 | $1,770.00 Homeowner's exemption | $140,366 | $267,000 Land $51,800 Building $215,200 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970435001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Flood Insurance Cost | Premium on Record median of 17 individual NFIP policies nearby |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 17 in force |
| Nearby Flood Claims | 1 (1994) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Nov 1994, rainfall accumulation |
| 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; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 330 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Lumen Technologies | Fiber | 8,000 / 8,000 |
| Spectrum | Cable | 1,000 / 1,000 |
| Verizon | Fixed Wireless | 300 / 20 |
| Starlink | Satellite (low-earth orbit) | 280 / 30 |
Availability varies by address; speeds are provider-advertised maximums, not measured.
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