430 Indiana Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 430 Indiana Ave, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,486 sqft · built 1950
Lot Size	0.33 acres (14,375 sqft)
Owner	2 Individual Names on Record
Last Sale	$186,500 (Dec 2017)
Tax Bill	$2,602 (2025)
Deeds & Mortgages	Dec 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`79544`

Property Details

APN / Parcel Number

Primary APN	`79544`
Alternative APN	`012630000103710040`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	1 Plumbing Fixture
Stories	1 Story
Building Area	1,486 sqft Heated Area
Gross Area	2,069 sqft
1st Floor Area	1,486 sqft
Flooring	Tile
Interior Walls	Plaster

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1990
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	14,375 sqft (0.33 acres)
Lot Dimensions	144 ft deep x 100 ft wide
Garage Type	Finished
Garage Area	275 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Open Porch
Porch Area	168 sqft
Fence	Fence
Utility Building	140 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	79544
Street Address	430 INDIANA AVE
City	SAINT CLOUD
State	FL
Zip	34769-2863
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR1A
Legal Description	LAKE FRONT ADDN PB B PG 61/62 BLK 371 LOT 4 LESS W 6 FT FOR ALLEY 2/26/30
Legal Range	30E
Legal Township	26S
Legal Section	01
Legal Subdivision	ST CLOUD
Legal Tract	1
Legal Block	371
Legal Lot Number	4
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3019
Census Tract	43500

Owner

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	430 INDIANA AVE, SAINT CLOUD, FL 34769-2863
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 22, 2017 · Amount on Record
Deed Sale	Dec 22, 2017 · Amount on Record
Prior Sale	Nov 3, 2004 · Amount on Record
Deed Document Number	2017181966
Deed Book / Page	5258 / 0256
Record Updated	Jun 8, 2026

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 22, 2017
Property Address	430 INDIANA AVE, SAINT CLOUD, FL 34769-2863
Document Number	0052580256
Book / Page	005258 / 000256
Instrument Date	Dec 19, 2017
Instrument	181966
Transaction Type	Transfer
Record Updated	Feb 5, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Tax	$1,305.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2627 ROLLING BROAK DR ORLANDO FL 328377455, ORLANDO, FL 32837-7455

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 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	$2,602.00 (+6.64%) Homeowner's exemption	$188,260 (+5.99%)	$343,000 (+9.58%) Land $63,200 Building $279,800
2023	$2,440.00 (+3.92%) Homeowner's exemption	$177,627 (+3%)	$313,000 (+10.21%) Land $57,500 Building $255,500
2022	$2,348.00 Homeowner's exemption	$172,454	$284,000 Land $51,800 Building $232,200

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 40 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	40 in force
Nearby Flood Claims	3 (1995–2022)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Sep 2022 · Hurricane Ian

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 67% of the US · lower than 92% 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.

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 330 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