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431 Eastern Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 431 Eastern Ave, Saint Cloud, FL 34769 · Last verified May 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms2 Baths
Year BuiltBuilt 1981
Square Footage1,184 sqft Living Area
Lot Size31,624 sqft (0.726 acres)
OccupancyOwner Occupied
Last Sale$375,000 (2025)
Tax Bill$930.00 (2024)

Property Details

APN / Parcel Number

Primary APN01-26-30-0725-0001-2320
Alternative APNs
  • 263001072500012320
  • 80861

Interior

Bedrooms3 Beds
Full Baths2 Baths
Building Area1,184 sqft Living Area
Gross Area2,228 sqft Gross Area
1st Floor1,184 sqft 1st Floor
Stories1 Stories
Primary FlooringCarpet Flooring
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 1981
Effective Year BuiltEffective 1981
Architectural StyleConventional Style
Exterior MaterialConcrete Block Exterior
Construction TypeMasonry/Concrete Masonry Units (CMUs) Construction
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area31,624 sqft (0.726 acres)
Depth X Width312 ft x 35 ft Depth x Width
Parking Spaces3 Parking Spaces
Garage TypeDetached Garage
Garage Area720 sqft Garage
Porch Area204 sqft Porch

Utilities and HVAC

Cooling SystemA/C Package Cooling
Heating SystemHVAC Heating

Location & Zoning

Street Address431 EASTERN AVE
CitySAINT CLOUD
StateFL
Zip34769-3037
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionS L & I C LOT PB B PG 63-64 232 LESS N 130 FT OF W 1/2
Legal Range30E
Legal Township26S
Legal Section01
Legal SubdivisionS L & I C TOWN OF ST CLOUD
Legal Tract725
Legal Block2320
Legal Lot Number232
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup2
Census Block2032
Census Tract43600

Owner

Source: Osceola County records · APN 01-26-30-0725-0001-2320

Assessment roll updated November 26, 2025 · Last verified May 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Mailing Address431 EASTERN AVE, SAINT CLOUD, FL 34769-3037
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
May 05, 2026Deed of Trust, Mortgage · Veterans Administration Mortgage
ACE MORTGAGE FUNDING, LLC
Sep 13, 2019Deed of Trust, Mortgage · Line of Credit
BRANCH BK&TR

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleAug 18, 2025 · Amount on Record
Deed SaleAug 18, 2025 · Amount on Record
Prior SaleOct 01, 2014 · Amount on Record
Deed Doc Number2025102937
Deed Book / Page6836 / 1641
Record RefreshedSep 20, 2026

May 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Recording DateMay 05, 2026
Property Address431 EASTERN AVE, SAINT CLOUD, FL 34769-3037
Document Number0000059513
Book / Page6966 / 2797
Instrument DateApr 30, 2026
Instrument202659513
Transaction TypeMortgage
Record UpdatedJul 12, 2026
Title CompanyUNITED WHOLESALE MORTGAGE

Transferred To (Grantee/Buyer)

NameVerified Name
Address431 EASTERN AVE, SAINT CLOUD, FL 34769-3037

Mortgage

Document Number0000059513,
DateMay 05, 2026
Book Page6966/2797
Instrument202659513
Lender
NameACE MORTGAGE FUNDING, LLC
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term360 Months
DueJun 01, 2056
Interest
Rate TypeAdjustable Rate
Rate6.46%
Initial TypeAdjustable Rate
AdjustableDocument includes a rider for adjustable-rate mortgage with a specific rate change date.
Max Rate-1%

September 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address431 EASTERN AVE, SAINT CLOUD, FL 34769-3037
Document Number0056031956
Instrument DateSep 13, 2019
Transaction TypeMortgage
Record UpdatedOct 28, 2019
Title CompanyACCURATE EQUITY GROUP, ACCURATE EQUITY GRP

Transferred To (Grantee/Buyer)

NameVerified Name
Address431 EASTERN AVE ST CLOUD FL 347693037, ST CLOUD, FL 34769-3037

Mortgage

Document Number0056031956
DateOct 10, 2019
Book Page005603/001956
Instrument130967
Lender
NameBRANCH BK&TR
TypeBank
AddressWHITEVILLE, NC 28472
Agreement
TypeLine of Credit
AmountAmount Recorded
Term300 Months
DueOct 09, 2044
Interest
Rate TypeAdjustable Rate

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified May 2026

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

YearTax BillAssessed ValueAssessed Market Value
2025$971.00 (+4.41%)$97,139 (+5.99%)$264,900 (+16.39%) Land $81,000 Building $183,900
2024$930.00 (+4.38%)
2023$891.00 (+5.57%) Homeowner's exemption$91,653 (+3%)$227,600 (+18.36%) Land $60,800 Building $166,800
2022$844.00 Homeowner's exemption$88,984$192,300 Land $54,000 Building $138,300

Flood & Wildfire

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

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

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