421 Clay Dr, Saint Cloud, FL 34769 Property Records

Osceola County property record for 421 Clay Dr, Saint Cloud, FL 34769 · Last verified December 2025

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	2 Baths
Year Built	Built 1989
Square Footage	1,420 sqft Heated Area
Lot Size	15,943 sqft (0.366 acres)
Occupancy	Owner Occupied
Last Sale	$98,900 (2001)
Tax Bill	$4.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`1326300660000100H0`
Alternative APN	`84683`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,420 sqft Heated Area
Gross Area	1,960 sqft Gross Area
1st Floor	1,220 sqft 1st Floor
Stories	1 Stories
Primary Flooring	Tile Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 1989
Exterior Material	Concrete Block Exterior
Foundation Type	Footing Foundation
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	15,943 sqft (0.366 acres)
Depth X Width	123 ft x 130 ft Depth x Width
Parking Spaces	2 Parking Spaces
Garage Type	Finished Garage
Garage Area	420 sqft Garage

Exterior Amenities

Fence	Fence
Shed	1 Shed
Shed Area	264 sqft Shed
Deck Area	176 sqft Deck
Patio Area	250 sqft Patio
Porch	Enclosed Porch
Porch Area	320 sqft Porch

Utilities and HVAC

Cooling System	A/C Package Cooling
Heating System	HVAC Heating

Location & Zoning

Account Number	84683
Street Address	421 CLAY DR
City	SAINT CLOUD
State	FL
Zip	34769-5701
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	SO MICH ACRES IN CITY REPLAT PB 2 PG 42 BLK 1 LOT H ORD 86-FF
Legal Range	30E
Legal Township	26S
Legal Section	13
Legal Subdivision	S MICH ACRES REPLAT
Legal Tract	660
Legal Block	1
Legal Lot Number	H
Jurisdiction	OSCEOLA FL
Minor Civil Division	ST. CLOUD
Census Blockgroup	2
Census Block	2049
Census Tract	43303

Owner

Source: Osceola County records · APN 1326300660000100H0

Assessment roll updated July 1, 2025 · Last verified December 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Owner Names on File
Mailing Address	421 CLAY DR, SAINT CLOUD, FL 34769-5701
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jan 31, 2001 · Amount on Record
Deed Sale	Jan 31, 2001 · Amount on Record
Prior Sale	Apr 23, 1999 · Amount on Record
Deed Doc Number	0183100771
Deed Book / Page	01831 / 00771
Record Refreshed	Jun 08, 2026

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	421 CLAY DR, SAINT CLOUD, FL 34769-5701
Document Number	0055992100
Instrument Date	Sep 26, 2019
Transaction Type	Mortgage
Record Updated	Oct 22, 2019
Title Company	MORTGAGE TITLE SERVICES INC, MORTGAGEE TITLE SVCS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband And Wife
Address	421 CLAY DR ST CLOUD FL 347695701, ST CLOUD, FL 34769-5701

Mortgage

Document Number	0055992100
Date	Oct 02, 2019
Book Page	005599/002100
Instrument	127618

Lender

Name	ADDITION FIN'L CU
Address	LAKE MARY, FL 32746

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Oct 01, 2029

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 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

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	$4.00 (-99.61%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$105,015 (+5.99%)	$266,100 (+3.62%) Land $60,000 Building $206,100
2023	$1,025.00 (+7.33%) Homeowner's exemption	$99,084 (+4.16%)	$256,800 (+24.36%) Land $55,000 Building $201,800
2022	$955.00 Homeowner's exemption	$95,131	$206,500 Land $50,000 Building $156,500

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 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
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Moderate above 61% of the US · above 35% of Florida
Wildfire Likelihood	About 1 in 391 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.