422 Dakota Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 422 Dakota Ave, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,473 sqft · built 1969
Lot Size	0.411 acres (17,903 sqft)
Owner	2 Individual Names on Record
Last Sale	$275,000 (May 2020)
Tax Bill	$5,094 (2025)
Deeds & Mortgages	Dec 2021 Transfer May 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`01-26-30-0001-0384-00E0`

Property Details

APN / Parcel Number

Primary APN	`01-26-30-0001-0384-00E0`
Alternative APNs	`2630010001038400E0` `79716`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,473 sqft Living Area
Gross Area	2,777 sqft
1st Floor Area	1,473 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1985
Architectural Style	L-Shape
Exterior Material	Brick
Construction Type	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	17,903 sqft (0.411 acres)
Lot Dimensions	80 ft deep x 150 ft wide
Garage Type	Detached
Garage Area	912 sqft
Parking Spaces	5 Parking Spaces

Exterior Amenities

Porch	Metal Porch
Porch Area	382 sqft
Shed	1 Shed
Shed Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	422 DAKOTA AVE
City	SAINT CLOUD
State	FL
Zip	34769-2776
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR2
Legal Description	LAKE SHORE PARK UNIT 1 REP PB 1 PG 414 BLK 384, LOT D LESS: N 13.7 FT & RD R/W, ALL LOTS E & F & N 50 FT LOT G LESS: E 45 FT FOR RD R/W
Legal Range	30E
Legal Township	26S
Legal Section	01
Legal Subdivision	ST CLOUD 2ND PLAT TOWN OF
Legal Tract	1
Legal Block	384
Legal Lot Number	E
Legal Unit	1R
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3034
Census Tract	43400

Owner

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

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 Record
Mailing Address	422 DAKOTA AVE, SAINT CLOUD, FL 34769-2776
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 15, 2021	Intrafamily Transfer, Transfer
May 1, 2020	Warranty Deed, Transfer · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC
Jul 28, 2017	Warranty Deed, Transfer · Conventional Mortgage FIFTH THIRD MORTGAGE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 1, 2020 · Amount on Record
Deed Sale	May 1, 2020 · Amount on Record
Prior Sale	Jul 28, 2017 · Amount on Record
Deed Document Number	202059453
Deed Book / Page	5716 / 2231
Last Transfer Date	Dec 8, 2021
Transfer Doc	0061081469
Record Updated	Sep 20, 2026

December 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Dec 15, 2021
Property Address	422 DAKOTA AVE, SAINT CLOUD, FL 34769-2776
Document Number	0061081469
Book / Page	6108 / 1469
Map Reference	MB 1 PG 414
Instrument Date	Dec 8, 2021
Instrument	2021193362
Transaction Type	Transfer
Record Updated	Jan 10, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	415 JACKS MEMORIAL RD, SAINT CLOUD, FL 34769-1961

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 1, 2020
Property Address	422 DAKOTA AVE, SAINT CLOUD, FL 34769-2776
Document Number	0057162231
Book / Page	5716 / 2231
Map Reference	MB 1 PG 414
Instrument Date	Apr 30, 2020
Instrument	2020059453
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,925.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2985 CHEROKEE RD, 2985, SAINT CLOUD, FL 34772-7435

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	422 DAKOTA AVE, SAINT CLOUD, FL 34769-2776

Mortgage

Document Number	0057162232
Date	May 1, 2020
Instrument	5716/2232

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2050

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 28, 2017
Property Address	422 DAKOTA AVE, SAINT CLOUD, FL 34769-2776
Document Number	0051860168
Book / Page	5186 / 0168
Map Reference	MB1 PG414
Instrument Date	Jul 28, 2017
Instrument	2017109382
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,505.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	404 PLAIN GROVE RD, 404, SLIPPERY ROCK, PA 16057-6008

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	422 DAKOTA AVE, SAINT CLOUD, FL 34769-2776

Mortgage

Document Number	0051860170
Date	Jul 28, 2017
Book Page	5186/0170
Instrument	2017109383

Lender

Name	FIFTH THIRD MORTGAGE CO
Type	Mortgage Company
Address	CINCINNATI, OH 45227

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Aug 1, 2032

Tax Assessment & Valuation

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	$5,094.00 (+3.43%) Homeowner's exemption	$327,499 (+5.99%)	$363,100 (+9.73%) Land $63,200 Building $299,900
2024	$4,925.00 (+2.48%)
2023	$4,806.00 (+3.42%) Homeowner's exemption	$309,000 (+3%)	$330,900 (+10.3%) Land $57,500 Building $273,400
2022	$4,647.00 Homeowner's exemption	$300,000 Land $51,800 Building $248,200	$300,000 Land $51,800 Building $248,200

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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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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