416 Minnesota Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 416 Minnesota Ave, Saint Cloud, FL 34769 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 960 sqft · built 1954
Lot Size	0.258 acres (11,238 sqft)
Owner	2 Individual Names on File
Last Sale	$289,000 (Mar 2023)
Tax Bill	$3,587 (2025)
Deeds & Mortgages	Mar 2023 Sale & Mortgage Dec 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`01-26-30-0001-0378-0030`

Property Details

APN / Parcel Number

Primary APN	`01-26-30-0001-0378-0030`
Alternative APNs	`263001000103780030` `79648`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	960 sqft Living Area
Gross Area	1,294 sqft
1st Floor Area	960 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1983
Architectural Style	Custom Design
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	11,238 sqft (0.258 acres)
Lot Dimensions	150 ft deep x 75 ft wide
Porch	Finished/Open Porch
Porch Area	286 sqft

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	HVAC

Location & Zoning

Street Address	416 MINNESOTA AVE
City	SAINT CLOUD
State	FL
Zip	34769-2743
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LAKE FRONT ADDN PB B PG 61-62 BLK 378 N 75 FT LOT 3 2/26/30
Legal Range	30E
Legal Township	26S
Legal Section	01
Legal Subdivision	ST CLOUD 2ND PLAT TOWN OF
Legal Tract	1
Legal Block	378
Legal Lot Number	3
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1012
Census Tract	43400

Owner

Source: Osceola County records · APN 01-26-30-0001-0378-0030

Assessment roll updated November 26, 2025 · Last verified August 2026

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	416 MINNESOTA AVE, SAINT CLOUD, FL 34769-2743
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Mar 24, 2023	Warranty Deed, Transfer · VA Mortgage MORIA DEVELOPMENT INC
Dec 16, 2019	Warranty Deed, Transfer · FHA Mortgage HOMEBRIDGE FINANCIAL SERVICES INC
Dec 16, 2019	Affidavit of Death, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 24, 2023 · Amount on Record
Deed Sale	Mar 24, 2023 · Amount on Record
Prior Sale	Dec 16, 2019 · Amount on Record
Deed Document Number	202333496
Deed Book / Page	6375 / 1799
Prior Transfer Date	Apr 04, 2013
Prior Transfer Doc	0044341890
Record Updated	Sep 20, 2026

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 24, 2023
Property Address	416 MINNESOTA AVE, SAINT CLOUD, FL 34769-2743
Document Number	0063751799
Book / Page	6375 / 1799
Map Reference	MB B PG 61
Instrument Date	Mar 22, 2023
Instrument	2023033496
Transaction Type	Transfer
Record Updated	Apr 12, 2023
Title Company	LAND TITLE CORPORATION, LAND TITLE PROFESSIONALS LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,023.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	416 MINNESOTA AVE, SAINT CLOUD, FL 34769-2743

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	416 MINNESOTA AVE, SAINT CLOUD, FL 34769-2743

Mortgage

Document Number	0063751801
Date	Mar 24, 2023
Instrument	6375/1801

Lender

Name	MORIA DEVELOPMENT INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 01, 2053

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 16, 2019
Property Address	416 MINNESOTA AVE, SAINT CLOUD, FL 34769-2743
Document Number	0056402404
Book / Page	5640 / 2404
Map Reference	MB B PG 61
Instrument Date	Dec 13, 2019
Instrument	2019162350
Transaction Type	Transfer
Record Updated	Feb 08, 2022
Title Company	OLIVER TITLE LAW

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,260.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1397 SIMMONS RD, 1397, KISSIMMEE, FL 34744-5629

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	416 MINNESOTA AVE, SAINT CLOUD, FL 34769-2743

Mortgage

Document Number	0056402406
Date	Dec 16, 2019
Instrument	5640/2406

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 01, 2050

December 2019: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	OSCEOLA FL
Recording Date	Dec 16, 2019
Property Address	416 MINNESOTA AVE, SAINT CLOUD, FL 34769-2743
Document Number	0056402401
Book / Page	005640 / 002401
Instrument Date	Dec 13, 2019
Instrument	162348
Transaction Type	Transfer
Record Updated	Jan 13, 2020
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	416 MINNESOTA AVE ST CLOUD FL 347692743, ST CLOUD, FL 34769-2743

Tax Assessment & Valuation

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

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	$3,587.00 (+2.6%) Homeowner's exemption	$243,300 (+50.98%) Land $55,000 Building $188,300	$243,300 (+11.1%) Land $55,000 Building $188,300
2024	$3,496.00 (+63.14%)
2023	$2,143.00 (+4.03%) Homeowner's exemption	$161,143 (+3%)	$219,000 (+10.61%) Land $50,000 Building $169,000
2022	$2,060.00 Homeowner's exemption	$156,450	$198,000 Land $45,000 Building $153,000

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 Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 12 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	12 in force

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; 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

Provider	Technology	Download / Upload (Mbps)
Lumen Technologies	Fiber	8,000 / 8,000
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20

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

Mobile Coverage

5G and 4G LTE

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