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416 Connecticut Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 416 Connecticut Ave, Saint Cloud, FL 34769

Property Summary

Property TypeSingle Family Home
Details3 bd · 1 ba · 1,178 sqft · built 1959
Lot Size0.172 acres (7,492 sqft)
OwnerIndividual Name on Record
Last Sale$185,000 (Oct 2018)
Tax Bill$2,247 (2025)
Deeds & MortgagesApr 2021 Sale
Jun 2020 Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN01-26-30-0001-0379-0020

Property Details

APN / Parcel Number

Primary APN01-26-30-0001-0379-0020
Alternative APNs
  • 263001000103790020
  • 79663

Interior

Bedrooms3 Beds
Full Baths1 Bath
Stories1 Story
Building Area1,178 sqft Living Area
Gross Area1,298 sqft
1st Floor Area907 sqft
FlooringTile
Interior WallsPlaster

Exterior

Year BuiltBuilt 1959
Effective Year BuiltEffective 2005
Architectural StyleConventional
Exterior MaterialConcrete Block
Construction TypeMasonry / Concrete Block
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area7,492 sqft (0.172 acres)
Lot Dimensions150 ft deep x 0.5 ft wide
Garage TypeCarport
Garage Area120 sqft
CarportCarport
Carport Area120 sqft
PorchFlorida Room
Porch Area271 sqft
Patio Area84 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address416 CONNECTICUT AVE
CitySAINT CLOUD
StateFL
Zip34769-2731
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeSR1A
Legal DescriptionLAKE FRONT ADDN PB B PG 61/62 BLK 379 S 50 FT LOT 2 2-26-30
Legal Range30E
Legal Township26S
Legal Section01
Legal SubdivisionST CLOUD 2ND PLAT TOWN OF
Legal Tract1
Legal Block379
Legal Lot Number2
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1011
Census Tract43400

Owner

Source: Osceola County records, as of November 26, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of RecordIndividual Name on Record
Mailing Address416 CONNECTICUT AVE, SAINT CLOUD, FL 34769-2731
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Apr 5, 2021Quit Claim Deed, Transfer
ATTORNEY ONLY, ATTORNEY
Jun 2, 2020Deed of Trust, Mortgage · Conventional with PMI
LONE MORTGAGAE INC LONE MORTGAGAE INC
Oct 16, 2018Warranty Deed, Transfer · FHA Mortgage
LONE MORTGAGE INC

Assessor's Deed Record

Deed NamesName on Deed
Last SaleOct 16, 2018 · Amount on Record
Deed SaleOct 16, 2018 · Amount on Record
Prior SaleAug 17, 2007 · Amount on Record
Deed Document Number2018154968
Deed Book / Page5418 / 810
Prior Transfer DateJul 2, 2001
Prior Transfer Doc0018980922
Record UpdatedJun 8, 2026

April 2021: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionOSCEOLA FL
Recording DateApr 5, 2021
Property Address416 CONNECTICUT AVE, SAINT CLOUD, FL 34769-2731
Document Number0059261963
Book / Page5926 / 1963
Map ReferenceMB B PG 61-64
Instrument DateMar 20, 2021
Instrument2021049521
Transaction TypeTransfer
Record UpdatedFeb 8, 2022
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount Recorded
Tax$21.00
Amount AccuracyFull Amount Stated
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address416 CONNECTICUT AVE, SAINT CLOUD, FL 34769-2731

June 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address416 CONNECTICUT AVE, SAINT CLOUD, FL 34769-2731
Document Number0057570420
Instrument DateJun 2, 2020
Transaction TypeMortgage
Record UpdatedAug 26, 2020
Title CompanyNATIONWIDE TITLE CLEARING INC

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address416 CONNECTICUT AVE ST CLOUD FL 347692731, ST CLOUD, FL 34769-2731

Mortgage

Document Number0057570420
DateJul 17, 2020
Book Page005757/000420
Instrument93832
Lender
NameLONE MORTGAGAE INC LONE MORTGAGAE INC
TypeBank
AddressLAS VEGAS, NV 89113
Agreement
TypeConventional with PMI
AmountAmount Recorded
Term360 Months
DueJul 16, 2050

October 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateOct 16, 2018
Property Address416 CONNECTICUT AVE, SAINT CLOUD, FL 34769-2731
Document Number0054180810
Book / Page5418 / 0810
Map ReferenceMB B PG61-64
Instrument DateOct 3, 2018
Instrument2018154968
Transaction TypeTransfer
Record UpdatedFeb 8, 2022
Title CompanyINFINITY TITLE GROUP

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,295.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address416 CONNECTICUT AVE, 416, SAINT CLOUD, FL 34769-2731

Transferred To (Grantee/Buyer)

NameVerified Name
Address416 CONNECTICUT AVE, SAINT CLOUD, FL 34769-2731

Mortgage

Document Number2018154969
DateOct 16, 2018
Instrument2018154969
Lender
NameLONE MORTGAGE INC
TypeNon-Lending Institution
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueNov 1, 2048

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$2,247.00 (+3.74%) Homeowner's exemption$168,423 (+5.99%)$262,000 (+9.67%) Land $46,800 Building $215,200
2024$2,166.00 (+3%)
2023$2,103.00 (+4.06%) Homeowner's exemption$158,910 (+3%)$238,900 (+12%) Land $42,500 Building $196,400
2022$2,021.00 Homeowner's exemption$154,282$213,300 Land $35,100 Building $178,200

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 12 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies12 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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 67% of the US · lower than 92% of Florida
Wildfire Likelihood0.03% annual chance
ExposureNone
beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemST. CLOUD, CITY OF (3 WPS)
serves 82,752 people · EPA ID FL3491373
Water SourceGroundwater
Last State InspectionJul 2025
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 306 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
CenturyLink
Fiber		8,000 / 8,000
Spectrum
Cable		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20

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