Osceola County property record for 424 James Pl, Saint Cloud, FL 34769 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 1991 |
| Square Footage | 1,053 sqft Heated Area |
| Lot Size | 7,841 sqft (0.18 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $73,500 (1995) |
| Tax Bill | $703.00 (2025) |
| Primary APN | 84421 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,053 sqft Heated Area |
| Gross Area | 1,378 sqft Gross Area |
| 1st Floor | 1,053 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 1991 |
|---|---|
| Exterior Material | Concrete Block Exterior |
| Foundation Type | Footing Foundation |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 7,841 sqft (0.18 acres) |
| Depth X Width | 125 ft x 62 ft Depth x Width |
| Parking Spaces | 1 Parking Spaces |
| Garage Type | Finished Garage |
| Garage Area | 325 sqft Garage |
| Fence | Fence |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Account Number | 84421 |
|---|---|
| Street Address | 424 JAMES PL |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-5311 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | DELAWARE GARDENS PB 5 PG 100 LOT 10 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 12 |
| Legal Subdivision | BROOKHAVEN/DELAWARE GARDENS |
| Legal Tract | 25 |
| Legal Block | 1 |
| Legal Lot Number | 10 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 2 |
| Census Block | 2013 |
| Census Tract | 43303 |
Source: Osceola County records · APN 84421
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 Individual Names on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 424 JAMES PL, SAINT CLOUD, FL 34769-5311 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Apr 11, 2022 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| Jan 02, 2018 | Deed of Trust, Mortgage · Conventional Mortgage RP FUNDING INC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Dec 21, 1995 · Amount on Record |
| Deed Sale | Dec 21, 1995 · Amount on Record |
| Deed Doc Number | 0129900105 |
| Deed Book / Page | 01299 / 00105 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 424 JAMES PL, SAINT CLOUD, FL 34769-5311 |
| Transaction Type | Mortgage |
| Record Updated | Apr 26, 2022 |
| Name | Verified Name |
|---|---|
| Address | 424 JAMES PL, SAINT CLOUD, FL 34769-5311 |
| Document Number | 0061911446 |
|---|---|
| Date | Apr 11, 2022 |
| Book Page | 6191/1446 |
| Instrument | 2022057365 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | May 01, 2037 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 424 JAMES PL, SAINT CLOUD, FL 34769-5311 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0052622131 |
|---|---|
| Date | Jan 02, 2018 |
| Book Page | 5262/2131 |
| Instrument | 2018001016 |
| Name | RP FUNDING INC |
|---|---|
| Type | Mortgage Company |
| Address | MAITLAND, FL 32751 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 01, 2048 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
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 | $703.00 (+10.36%) Homeowner's exemption | $82,169 (+5.98%) | $207,400 (+10.85%) Land $60,000 Building $147,400 |
| 2023 | $637.00 (+6.7%) Homeowner's exemption | $77,529 (+3%) | $187,100 (+19.78%) Land $45,000 Building $142,100 |
| 2022 | $597.00 Homeowner's exemption | $75,271 | $156,200 Land $35,000 Building $121,200 |
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
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| 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; lenders make the official flood determination.
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