420 Alabama Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 420 Alabama Ave, Saint Cloud, FL 34769

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 1,788 sqft · built 1972
Lot Size	0.344 acres (14,984 sqft)
Owner	Company Name on File
Last Sale	$318,000 (Sep 2021)
Tax Bill	$6,002 (2025)
Deeds & Mortgages	Jul 2023 Mortgage May 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`01-26-30-0001-0386-0040`

Property Details

APN / Parcel Number

Primary APN	`01-26-30-0001-0386-0040`
Alternative APNs	`263001000103860040` `79745`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Units	2 Units
Stories	1 Story
Building Area	1,788 sqft Living Area
Gross Area	1,980 sqft
1st Floor Area	1,788 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1989
Architectural Style	Conventional
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	14,984 sqft (0.344 acres)
Lot Dimensions	150 ft deep x 100 ft wide

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	128 sqft
Patio Area	240 sqft
Shed	1 Shed
Shed Area	48 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	420 ALABAMA AVE
City	SAINT CLOUD
State	FL
Zip	34769-2645
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	SR2
Legal Description	LAKE FRONT ADDN PB B PGS 61-62 BLK 386 LOT 4
Legal Range	30E
Legal Township	26S
Legal Section	01
Legal Subdivision	ST CLOUD 2ND PLAT TOWN OF
Legal Tract	1
Legal Block	386
Legal Lot Number	4
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3036
Census Tract	43400

Owner

420 Alabama Ave, a duplex, is owned by a company that acquired it in April 2022.

Source: Osceola County records, as of May 13, 2026

Owner of Record	Company Name on File
Mailing Address	6641 BROGLIE ST, ORLANDO, FL 32827-7960
Owner Type	Company
Vesting	Limited Liability Company

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

Deeds, Mortgages & Sale History

Date	Document
Jul 3, 2023	Deed of Trust, Mortgage · SBA Mortgage VAST BANK NA
May 5, 2022	Deed of Trust, Mortgage · Commercial Mortgage FAIRWINDS CU
Apr 13, 2022	Quit Claim Deed, Transfer Quitclaim
Sep 23, 2021	Warranty Deed, Transfer STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 23, 2021 · Amount on File
Deed Sale	Sep 23, 2021 · Amount on File
Prior Sale	Jul 24, 2007 · Amount on File
Deed Document Number	2021147904
Deed Book / Page	6050 / 611
Last Transfer Date	Apr 12, 2022
Transfer Doc	0061931944
Record Updated	Oct 29, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	420 ALABAMA AVE, SAINT CLOUD, FL 34769-2645
Transaction Type	Mortgage
Record Updated	Jul 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4929 SW 74TH CT, MIAMI, FL 33155-4412

Mortgage

Document Number	0064342077
Date	Jul 3, 2023
Book Page	6434/2077
Instrument	2023085716

Lender

Name	VAST BANK NA
Type	Bank
Address	CLEARWATER, FL 33762

Agreement

Type	SBA Mortgage
Amount	Amount on Record

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	420 ALABAMA AVE, SAINT CLOUD, FL 34769-2645
Transaction Type	Mortgage
Record Updated	May 19, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4929 SW 74TH CT 1ST, 1, MIAMI, FL 33155-4412

Mortgage

Document Number	0062082449
Date	May 5, 2022
Book Page	6208/2449
Instrument	2022072115

Lender

Name	FAIRWINDS CU
Type	Credit Union
Address	ORLANDO, FL 32801

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

April 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 13, 2022
Property Address	420 ALABAMA AVE, SAINT CLOUD, FL 34769-2645
Document Number	0061931944
Book / Page	6193 / 1944
Map Reference	MB B PG 61
Instrument Date	Apr 12, 2022
Instrument	2022059031
Transaction Type	Transfer
Record Updated	Apr 27, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6641 BROGUE STREET, 6641, ORLANDO, FL 32827

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6641 BROGHE STREET, ORLANDO, FL 32827

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 23, 2021
Property Address	420 ALABAMA AVE, SAINT CLOUD, FL 34769-2645
Document Number	0060500611
Book / Page	6050 / 611
Map Reference	MB B PG 61
Instrument Date	Sep 20, 2021
Instrument	2021147904
Transaction Type	Transfer
Record Updated	Oct 7, 2021
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

Amount	Amount on Record
Tax	$2,226.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5153 BERNADETTE DR, 5153, ZEPHYRHILLS, FL 33541-1998

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8315 NEMOURS PKWY, ORLANDO, FL 32827-7710

Tax Assessment & Valuation

The 2025 property tax bill for 420 Alabama Ave was $6,002, down 0.4% from the year before.

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,002.00 (-0.43%)	$334,900 Land $72,800 Building $262,100	$334,900 Land $72,800 Building $262,100
2024	$6,028.00 (+0.84%)
2023	$5,978.00 (+36.45%)	$331,500 (+36.59%) Land $62,400 Building $269,100	$331,500 (+36.59%) Land $62,400 Building $269,100
2022	$4,381.00	$242,700 Land $54,100 Building $188,600	$242,700 Land $54,100 Building $188,600

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

Flood

FEMA maps place 420 Alabama Ave in Zone X, an area of minimal flood risk, though there have been 24 flood claims nearby since 1994.

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 File median of 98 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	110 units insured incl. 12 condo units
Nearby Flood Claims	24 (1994–2022)
Claims Outside the SFHA	3 of 24
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Ian, Sep 2022 · 4 claims Hurricane Ian, Sep 2022 · 2 claims Hurricane Frances, Sep 2004 · 3 claims

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

Wildfire risk around 420 Alabama Ave is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 97% of the US · lower than 96% of Florida
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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 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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 439 locations within half a mile, as of December 31, 2025

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

May also be available: Hotwire Communications.

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