Osceola County property record for 413 Carolina Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,083 sqft · built 1960 |
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $195,000 (Jul 2019) |
| Tax Bill | $2,634 (2025) |
| Deeds & Mortgages | Jun 2022 Mortgage Jul 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 79472 |
| Primary APN | 79472 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,083 sqft Heated Area |
| Gross Area | 1,721 sqft |
| 1st Floor Area | 1,083 sqft |
| Interior Walls | Plaster |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1990 |
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Built-Up Asphalt |
| Lot Area | 10,890 sqft (0.25 acres) |
| Lot Dimensions | 150 ft deep x 72 ft wide |
| Garage Type | Carport |
| Carport | Carport |
| Porch | Open Porch |
| Porch Area | 322 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 79472 |
|---|---|
| Street Address | 413 CAROLINA AVE |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-2928 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR1A |
| Legal Description | GALION GARDENS PB 1 PG 140 BLK 365 S 8 FT OF 18, ALL 17, & N 14 FT LOT 16 1-26-30 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD |
| Legal Tract | 1 |
| Legal Block | 365 |
| Legal Lot Number | 1,16 1 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 5 |
| Census Block | 5023 |
| Census Tract | 43500 |
Source: Osceola County records, as of December 11, 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 Record |
|---|---|
| Mailing Address | 413 CAROLINA AVE, SAINT CLOUD, FL 34769-2928 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 13, 2022 | Deed of Trust, Mortgage · FHA Mortgage PLANET HOME LENDING LLC |
| Jul 31, 2019 | Warranty Deed, Transfer · FHA Mortgage THELENDER |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 31, 2019 · Amount on Record |
| Deed Sale | Jul 31, 2019 · Amount on Record |
| Prior Sale | Feb 4, 2015 · Amount on Record |
| Deed Document Number | 2019098474 |
| Deed Book / Page | 5565 / 1428 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 413 CAROLINA AVE, SAINT CLOUD, FL 34769-2928 |
| Transaction Type | Mortgage |
| Record Updated | Aug 1, 2022 |
| Name | Verified Name |
|---|---|
| Address | 413 CAROLINA AVE, SAINT CLOUD, FL 34769-2928 |
| Document Number | 0062311590 |
|---|---|
| Date | Jun 13, 2022 |
| Book Page | 6231/1590 |
| Instrument | 2022091948 |
| Name | PLANET HOME LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | MERIDEN, CT 06450 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 326 Months |
| Due | Aug 1, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jul 31, 2019 |
| Property Address | 413 CAROLINA AVE, SAINT CLOUD, FL 34769-2928 |
| Document Number | 0055651428 |
| Book / Page | 005565 / 001428 |
| Instrument Date | Jul 30, 2019 |
| Instrument | 98474 |
| Transaction Type | Transfer |
| Record Updated | Aug 16, 2019 |
| Title Company | STEWART TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,365.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 413 CAROLINA AVE ST CLOUD FL 347692928, ST CLOUD, FL 34769-2928 |
| Document Number | 55651429 |
|---|---|
| Date | Jul 31, 2019 |
| Book Page | 005565/001429 |
| Instrument | 98475 |
| Name | THELENDER |
|---|---|
| Address | 1 MID RIVERS MALL DR # 130, ST PETERS, MO 63376-4321 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 30, 2049 |
Source: Osceola County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,634.00 (+6.64%) Homeowner's exemption | $190,061 (+5.99%) | $270,400 (+9.78%) Land $55,000 Building $215,400 |
| 2023 | $2,470.00 (+3.87%) Homeowner's exemption | $179,326 (+3%) | $246,300 (+10.45%) Land $50,000 Building $196,300 |
| 2022 | $2,378.00 Homeowner's exemption | $174,103 | $223,000 Land $45,000 Building $178,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 51 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 51 in force |
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: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 67% of the US · lower than 92% of Florida |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | ST. CLOUD, CITY OF (3 WPS) serves 82,752 people · EPA ID FL3491373 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jul 2025 |
| Lead | 2 ppb (2023) action level 15 ppb |
| 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, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 384 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CenturyLink Fiber | 2,000 / 1,000 |
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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