Osceola County property record for 431 Columbia Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,260 sqft · built 1989 |
| Lot Size | 0.142 acres (6,185 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $43,000 (Jun 2005) |
| Tax Bill | $579 (2025) |
| Deeds & Mortgages | Jan 2023 Mortgage Jul 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-26-30-0001-0390-0070 |
| Primary APN | 01-26-30-0001-0390-0070 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,260 sqft Living Area |
| Gross Area | 1,360 sqft |
| 1st Floor Area | 1,032 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Architectural Style | L-Shape |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 6,185 sqft (0.142 acres) |
| Lot Dimensions | 126 ft deep x 0.5 ft wide |
| Garage Area | 228 sqft |
| Porch | Florida Room |
| Porch Area | 328 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 431 COLUMBIA AVE |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-2650 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR2 |
| Legal Description | LAKE FRONT ADDN PB B PG 61-62 BLK 390 S 1/2 LOT 7 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD 2ND PLAT TOWN OF |
| Legal Tract | 1 |
| Legal Block | 390 |
| Legal Lot Number | 7 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 3 |
| Census Block | 3006 |
| Census Tract | 43400 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 431 COLUMBIA AVE, SAINT CLOUD, FL 34769-2650 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 23, 2023 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Jul 8, 2021 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 13, 2005 · Amount on Record |
| Deed Sale | Jun 13, 2005 · Amount on Record |
| Prior Sale | Oct 8, 2002 · Amount on Record |
| Deed Document Number | 2005134088 |
| Deed Book / Page | 2807 / 656 |
| Prior Transfer Date | May 25, 2005 |
| Prior Transfer Doc | 0028070656 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 431 COLUMBIA AVE, SAINT CLOUD, FL 34769-2650 |
| Transaction Type | Mortgage |
| Record Updated | Feb 6, 2023 |
| Name | Verified Name |
|---|---|
| Address | 431 COLUMBIA AVE, SAINT CLOUD, FL 34769-2650 |
| Document Number | 0063471023 |
|---|---|
| Date | Jan 23, 2023 |
| Book Page | 6347/1023 |
| Instrument | 2023007925 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 431 COLUMBIA AVE, SAINT CLOUD, FL 34769-2650 |
| Transaction Type | Mortgage |
| Record Updated | Jul 22, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0059980230 |
|---|---|
| Date | Jul 8, 2021 |
| Book Page | 5998/230 |
| Instrument | 2021106309 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jul 1, 2041 |
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 | $579.00 (+2.12%) Homeowner's exemption | $74,118 (+5.98%) | $230,900 (+16.68%) Land $46,800 Building $184,100 |
| 2024 | $567.00 (+0.71%) | ||
| 2023 | $563.00 (+1.81%) Homeowner's exemption | $69,933 (+3%) | $197,900 (+16.27%) Land $34,000 Building $163,900 |
| 2022 | $553.00 Homeowner's exemption | $67,897 | $170,200 Land $30,600 Building $139,600 |
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 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 |
|
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 95% of the US · lower than 95% 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 539 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CenturyLink Fiber | 8,000 / 8,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
May also be available: AT&T, Verizon.
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