412 James Pl, Saint Cloud, FL 34769 Property Records

Osceola County property record for 412 James Pl, Saint Cloud, FL 34769 · Last verified December 2025

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	2 Baths
Year Built	Built 1991
Square Footage	1,053 sqft Heated Area
Lot Size	7,405 sqft (0.169 acres)
Garage	Finished, 325 sqft
Occupancy	Owner Occupied
Tax Bill	$3,725.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`84419`
Alternative APN	`122630002500010080`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,053 sqft Heated Area
Gross Area	1,378 sqft Gross Area
1st Floor	1,053 sqft 1st Floor
Stories	1 Stories
Primary Flooring	Carpet Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 1991
Exterior Material	Concrete Block Exterior
Foundation Type	Footing Foundation
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	7,405 sqft (0.169 acres)
Depth X Width	135 ft x 55 ft Depth x Width
Parking Spaces	1 Parking Spaces
Garage Type	Finished Garage
Garage Area	325 sqft Garage
Fence	Fence
Shed	1 Shed
Shed Area	48 sqft Shed

Utilities and HVAC

Cooling System	A/C Package Cooling
Heating System	HVAC Heating

Location & Zoning

Account Number	84419
Street Address	412 JAMES PL
City	SAINT CLOUD
State	FL
Zip	34769-5311
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	DELAWARE GARDENS PB 5 PG 100 LOT 8
Legal Range	30E
Legal Township	26S
Legal Section	12
Legal Subdivision	BROOKHAVEN/DELAWARE GARDENS
Legal Tract	25
Legal Block	1
Legal Lot Number	8
Jurisdiction	OSCEOLA FL
Minor Civil Division	ST. CLOUD
Census Blockgroup	2
Census Block	2013
Census Tract	43303

Owner

Source: Osceola County records · APN 84419

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	Individual Name on File
Mailing Address	412 JAMES PL, SAINT CLOUD, FL 34769-5311
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Transfer Date	Jul 22, 2025
Transfer Doc	0068231013
Record Refreshed	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Recording Date	Apr 27, 2026
Property Address	412 JAMES PL, SAINT CLOUD, FL 34769-5311
Document Number	0000054992
Book / Page	6961 / 933
Instrument Date	Apr 20, 2026
Instrument	202654992
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	AMERISAVE MORTGAGE CORPORATI

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	412 JAMES PL, SAINT CLOUD, FL 34769-5311

Mortgage

Document Number	0000054992,
Date	Apr 27, 2026
Book Page	6961/933
Instrument	202654992

Lender

Name	AMERISAVE MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 01, 2056

Interest

Rate Type	Fixed Rate
Rate	6.22%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

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	$3,725.00 (+940.5%)	$207,900 (+167.31%) Land $60,000 Building $147,900	$207,900 (+10.82%) Land $60,000 Building $147,900
2023	$358.00 (-6.77%) Homeowner's exemption Senior Citizen's exemption Widower's exemption	$77,774 (+3%)	$187,600 (+19.72%) Land $45,000 Building $142,600
2022	$384.00 Homeowner's exemption Senior Citizen's exemption Widower's exemption	$75,509	$156,700 Land $35,000 Building $121,700

Flood & Wildfire

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

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

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.