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415 Minnesota Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 415 Minnesota Ave, Saint Cloud, FL 34769 · Last verified April 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,240 sqft · built 1997
Lot Size0.25 acres (10,890 sqft)
OwnerIndividual Name on File
Last Sale$225,000 (Mar 2006)
Tax Bill$721 (2025)
Deeds & MortgagesJul 2020 Mortgage
Apr 2018 Transfer
Flood ZoneZone X (minimal risk)
APN01-26-30-0001-0377-0085

Property Details

APN / Parcel Number

Primary APN01-26-30-0001-0377-0085
Alternative APNs
  • 263001000103770085
  • 79643

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,240 sqft Living Area
Gross Area1,756 sqft
1st Floor Area1,240 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1997
Effective Year BuiltEffective 1997
Architectural StyleL-Shape
Exterior MaterialConcrete Block
Construction TypeMasonry / Concrete Block
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area10,890 sqft (0.25 acres)
Lot Dimensions150 ft deep x 72.5 ft wide
Garage TypeAttached
Garage Area480 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

PorchFinished/Open Porch
Porch Area36 sqft
Patio Area196 sqft
Shed1 Shed
Shed Area192 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address415 MINNESOTA AVE
CitySAINT CLOUD
StateFL
Zip34769-2742
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLAKEFRONT ADDN PB B PG 61-62 BLK 377 N 17.5 FT OF LOT 8, S 55 FT OF LOT 9 2/26/30
Legal Range30E
Legal Township26S
Legal Section01
Legal SubdivisionST CLOUD 2ND PLAT TOWN OF
Legal Tract1
Legal Block377
Legal Lot Number85
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1013
Census Tract43400

Owner

Source: Osceola County records · APN 01-26-30-0001-0377-0085

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 RecordIndividual Name on File
Mailing Address21 WOODHILL PL, AIKEN, SC 29803-5965
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jul 28, 2020Deed of Trust, Mortgage · Conventional Mortgage
CENTENNIAL BANK
Apr 12, 2018Quit Claim Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleMar 23, 2006 · Amount on Record
Deed SaleMar 23, 2006 · Amount on Record
Prior SaleSep 19, 1996 · Amount on Record
Deed Document Number200680151
Deed Book / Page3105 / 522
Last Transfer DateApr 10, 2018
Transfer Doc0053160876
Record UpdatedJun 08, 2026

July 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address415 MINNESOTA AVE, SAINT CLOUD, FL 34769-2742
Transaction TypeMortgage
Record UpdatedFeb 05, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0057631356
DateJul 28, 2020
Book Page5763/1356
Instrument2020098498
Lender
NameCENTENNIAL BANK
TypeBank
AddressCONWAY, AR 72033
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueAug 01, 2050

April 2018: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionOSCEOLA FL
Recording DateApr 12, 2018
Property Address415 MINNESOTA AVE, SAINT CLOUD, FL 34769-2742
Document Number0053160876
Book / Page005316 / 000876
Instrument DateApr 10, 2018
Instrument58184
Transaction TypeTransfer
Record UpdatedMay 24, 2018
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipLife Estate
Address21 WOODHILL PL AIKEN SC 298035965, AIKEN, SC 29803-5965

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 2026

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

YearTax BillAssessed ValueAssessed Market Value
2025$721.00 (+5.87%) Homeowner's exemption Senior Citizen's exemption$94,830 (+5.99%)$269,900 (+12.04%) Land $55,000 Building $214,900
2024$681.00 (+5.75%)
2023$644.00 (+7.87%) Homeowner's exemption Senior Citizen's exemption$89,474 (+3%)$240,900 (+15.98%) Land $50,000 Building $190,900
2022$597.00 Homeowner's exemption Senior Citizen's exemption$86,868$207,700 Land $45,000 Building $162,700

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970434001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 12 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies12 in force

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
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, availability as of December 31, 2025 · Published October 2026 · based on 306 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
Lumen TechnologiesFiber8,000 / 8,000
SpectrumCable1,000 / 1,000
VerizonFixed Wireless300 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

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