Osceola County property record for 429 Minnesota Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,260 sqft · built 1969 |
| Lot Size | 0.201 acres (8,755 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $302,000 (Jul 2023) |
| Tax Bill | $4,059 (2025) |
| Deeds & Mortgages | Jul 2026 Mortgage Jul 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-26-30-0001-0377-0070 |
| Primary APN | 01-26-30-0001-0377-0070 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,260 sqft Living Area |
| Gross Area | 1,720 sqft |
| 1st Floor Area | 852 sqft |
| Flooring | Wood |
| Interior Walls | Paneling |
| Year Built | Built 1969 |
|---|---|
| Effective Year Built | Effective 1980 |
| Architectural Style | L-Shape |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Built-Up Asphalt |
| Lot Area | 8,755 sqft (0.201 acres) |
| Lot Dimensions | 150 ft deep x 58.5 ft wide |
| Garage Type | Detached |
| Garage Area | 336 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Florida Room |
| Porch Area | 448 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 429 MINNESOTA AVE |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-2742 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR1A |
| Legal Description | LAKE FRONT ADDN PB B PG 61/62 BLK 377 N 1/2 LOT 7 & S 8.5 FT LOT 8 2/26/30 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD 2ND PLAT TOWN OF |
| Legal Tract | 1 |
| Legal Block | 377 |
| Legal Lot Number | 7 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 43400 |
Source: Osceola County records, as of July 22, 2026
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 | 429 MINNESOTA AVE, SAINT CLOUD, FL 34769-2742 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 14, 2026 | Deed of Trust, Mortgage · FHA Mortgage DO NO USE, CARRINGTON MORTGAGE SERVICES |
| Jul 12, 2023 | Warranty Deed, Transfer · FHA Mortgage CARRINGTON MORTGAGE SERVICES LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 12, 2023 · Amount on Record |
| Deed Sale | Jul 12, 2023 · Amount on Record |
| Prior Sale | Jul 17, 2015 · Amount on Record |
| Deed Document Number | 202389463 |
| Deed Book / Page | 6439 / 493 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jul 14, 2026 |
| Property Address | 429 MINNESOTA AVE, SAINT CLOUD, FL 34769-2742 |
| Document Number | 0000091884 |
| Book / Page | 7003 / 1759 |
| Instrument Date | Jun 24, 2026 |
| Instrument | 202691884 |
| Transaction Type | Mortgage |
| Record Updated | Jul 22, 2026 |
| Title Company | DO NO USE, CARRINGTON MORTGAGE SERVICES |
| Name | Verified Name |
|---|---|
| Address | 429 MINNESOTA AVE, SAINT CLOUD, FL 34769-2742 |
| Document Number | 0000091884, |
|---|---|
| Date | Jul 14, 2026 |
| Book Page | 7003/1759 |
| Instrument | 202691884 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 324 Months |
| Due | Jul 1, 2053 |
| Rate | 6.53% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jul 12, 2023 |
| Property Address | 429 MINNESOTA AVE, SAINT CLOUD, FL 34769-2742 |
| Document Number | 0064390493 |
| Book / Page | 6439 / 493 |
| Map Reference | MB B PG 61-64 |
| Instrument Date | Jun 22, 2023 |
| Instrument | 2023089463 |
| Transaction Type | Transfer |
| Record Updated | Jul 28, 2023 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NATL TTL OF FL INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,114.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 429 MINNESOTA AVE, SAINT CLOUD, FL 34769-2742 |
| Document Number | 0006439495 |
|---|---|
| Date | Jul 12, 2023 |
| Instrument | 6439/495 |
| Name | CARRINGTON MORTGAGE SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2053 |
Source: Osceola County assessment roll, as of November 26, 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 | $4,059.00 (+20.73%) | $269,700 (+11.12%) Land $55,000 Building $214,700 | $269,700 (+11.12%) Land $55,000 Building $214,700 |
| 2023 | $3,362.00 (+19.26%) | $242,700 (+37.12%) Land $50,000 Building $192,700 | $242,700 (+37.12%) Land $50,000 Building $192,700 |
| 2022 | $2,819.00 | $177,000 Land $45,000 Building $132,000 | $177,000 Land $45,000 Building $132,000 |
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 12 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 12 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 80% of the US · lower than 93% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond ember reach |
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 306 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 |
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