Osceola County property record for 425 Carolina Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,256 sqft · built 1961 |
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $941 (2025) |
| Deeds & Mortgages | Jul 2023 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 79470 |
| Primary APN | 79470 |
|---|---|
| Alternative APN |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 1,256 sqft Heated Area |
| Gross Area | 1,900 sqft |
| 1st Floor Area | 1,056 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Year Built | Built 1961 |
|---|---|
| Effective Year Built | Effective 1970 |
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Built-Up Asphalt |
| Lot Area | 10,890 sqft (0.25 acres) |
| Lot Dimensions | 150 ft deep x 72 ft wide |
| Garage Type | Carport |
| Carport | Carport |
| Porch | Enclosed Porch |
|---|---|
| Porch Area | 340 sqft |
| Fence | Fence |
| Pole Barn | 231 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 79470 |
|---|---|
| Street Address | 425 CAROLINA AVE |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-2928 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR1A |
| Legal Description | GALION GARDENS PB 1 PG 140 BLK 365 N 8 FT LOT 13, ALL LOT 14, & S 14 FT OF LOT 15 1-26-30 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD |
| Legal Tract | 1 |
| Legal Block | 365 |
| Legal Lot Number | 1,13-15 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 5 |
| Census Block | 5023 |
| Census Tract | 43500 |
Source: Osceola County records, as of December 11, 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 | 425 CAROLINA AVE, SAINT CLOUD, FL 34769-2928 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 26, 2025 |
| Deed Sale | Feb 26, 2025 |
| Deed Document Number | 2014082699 |
| Deed Book / Page | 4621 / 1882 |
| Prior Transfer Date | Jun 11, 2014 |
| Prior Transfer Doc | 2014082699 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 425 CAROLINA AVE, SAINT CLOUD, FL 34769-2928 |
| Transaction Type | Mortgage |
| Record Updated | Aug 7, 2023 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 425 CAROLINA AVE, SAINT CLOUD, FL 34769-2928 |
| Document Number | 0064440249 |
|---|---|
| Date | Jul 21, 2023 |
| Book Page | 6444/249 |
| Instrument | 2023094167 |
| Name | JACKSON FLAGSTAR CENTRE OFFICE |
|---|---|
| Type | Bank |
| Address | JACKSONVILLE, FL 32256 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 252 Months |
| Due | Jul 1, 2044 |
Source: Osceola County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $941.00 (+11.1%) Homeowner's exemption Disabled Person's exemption Senior Citizen's exemption Veteran's exemption | $112,127 (+5.99%) | $247,200 (+13.39%) Land $55,000 Building $192,200 |
| 2023 | $847.00 (+6.81%) Homeowner's exemption Disabled Person's exemption Senior Citizen's exemption Veteran's exemption | $105,794 (+3%) | $218,000 (+16.64%) Land $50,000 Building $168,000 |
| 2022 | $793.00 Homeowner's exemption Disabled Person's exemption Senior Citizen's exemption Veteran's exemption | $102,713 | $186,900 Land $45,000 Building $141,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 51 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 51 in force |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 67% of the US · lower than 92% of Florida |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 384 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CenturyLink Fiber | 2,000 / 1,000 |
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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