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431 James Pl, Saint Cloud, FL 34769 Property Records

Osceola County property record for 431 James Pl, Saint Cloud, FL 34769 · Last verified December 2025

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms2 Baths
Year BuiltBuilt 2005
Square Footage1,260 sqft Heated Area
Lot Size9,583 sqft (0.219 acres)
GarageFinished, 336 sqft
Last Sale$320,000 (2024)
Tax Bill$4,788.00 (2025)

Property Details

APN / Parcel Number

Primary APN84423
Alternative APN
  • 122630002500010120

Interior

Bedrooms3 Beds
Full Baths2 Baths
Building Area1,260 sqft Heated Area
Gross Area1,746 sqft Gross Area
1st Floor1,260 sqft 1st Floor
Stories1 Stories
Primary FlooringTile Flooring
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 1989
Effective Year BuiltEffective 2005
Exterior MaterialConcrete Block Exterior
Foundation TypeFooting Foundation
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area9,583 sqft (0.219 acres)
Depth X Width140 ft x 68 ft Depth x Width
Parking Spaces1 Parking Spaces
Garage TypeFinished Garage
Garage Area336 sqft Garage
Porch1 Porch
Porch Area150 sqft Porch

Utilities and HVAC

Cooling SystemA/C Package Cooling
Heating SystemHVAC Heating

Location & Zoning

Account Number84423
Street Address431 JAMES PL
CitySAINT CLOUD
StateFL
Zip34769-5314
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionDELAWARE GARDENS PB 5 PG 100 LOT 12
Legal Range30E
Legal Township26S
Legal Section12
Legal SubdivisionBROOKHAVEN/DELAWARE GARDENS
Legal Tract25
Legal Block1
Legal Lot Number12
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup2
Census Block2013
Census Tract43303

Owner

Source: Osceola County records · APN 84423

Assessment roll updated July 1, 2025 · Last verified December 2025

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

Owner of RecordIndividual Name on File
Co-ownerVerified Secondary Owner
Mailing Address1113 CREEKFORD DR, WESTON, FL 33326-2835
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Sep 01, 2021Warranty Deed, Transfer · Conventional Mortgage
SPROUT MORTGAGE LLC
Apr 01, 2019Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage
FIDELITY FUNDING MORTGAGE CORP
Oct 04, 2018Warranty Deed, Transfer
ORLANDO TITLE SERVICES LLC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleOct 15, 2024 · Amount on Record
Deed SaleOct 15, 2024 · Amount on Record
Prior SaleSep 01, 2021 · Amount on Record
Deed Doc Number2024130467
Deed Book / Page6678 / 2647
Record RefreshedJun 08, 2026

September 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateSep 01, 2021
Property Address431 JAMES PL, SAINT CLOUD, FL 34769-5314
Document Number0060342021
Book / Page6034 / 2021
Map ReferenceMB 5 PG 100
Instrument DateJul 30, 2021
Instrument2021135903
Transaction TypeTransfer
Record UpdatedSep 15, 2021
Title CompanySIMPLY TITLE LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,792.00
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address11191 HESS WAY, 11191, OXFORD, FL 34484-3475

Transferred To (Grantee/Buyer)

NameVerified Name
Address3345 HENRY J AVE, SAINT CLOUD, FL 34772-8017

Mortgage

Document Number60342023
DateSep 01, 2021
Instrument6034/2023
Lender
NameSPROUT MORTGAGE LLC
TypeNon-Lending Institution
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term359 Months
DueAug 01, 2051

April 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateApr 01, 2019
Property Address431 JAMES PL, SAINT CLOUD, FL 34769-5314
Document Number0054992977
Book / Page5499 / 2977
Map ReferenceMB 5 PG 100
Instrument DateMar 29, 2019
Instrument2019040294
Transaction TypeTransfer
Record UpdatedFeb 08, 2022
Title CompanyORLANDO TITLE SERVICES LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,539.30
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address12504 GRECO DR, 12504, ORLANDO, FL 32824-5822

Transferred To (Grantee/Buyer)

NameVerified Name
Address431 JAMES PL, SAINT CLOUD, FL 34769-5314

Mortgage

Document Number2019040295
DateApr 01, 2019
Instrument2019040295
Lender
NameFIDELITY FUNDING MORTGAGE CORP
TypeSubprime Lender
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term360 Months
DueApr 01, 2049

October 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateOct 04, 2018
Property Address431 JAMES PL, SAINT CLOUD, FL 34769-5314
Document Number0054121256
Book / Page005412 / 001256
Instrument DateOct 02, 2018
Instrument149358
Transaction TypeTransfer
Record UpdatedOct 22, 2018
Title CompanyORLANDO TITLE SERVICES LLC

Transaction

AmountAmount Recorded
Tax$1,158.50
Amount AccuracyConfirmed
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address12504 GRECO DR ORLANDO FL 328245822, ORLANDO, FL 32824-5822

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

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 and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2025$4,788.00 (+8.28%)$267,300 (+6.88%) Land $60,000 Building $207,300$267,300 (+6.88%) Land $60,000 Building $207,300
2023$4,422.00 (+10.88%)$250,100 (+13.12%) Land $45,000 Building $205,100$250,100 (+13.12%) Land $45,000 Building $205,100
2022$3,988.00$221,100 Land $35,000 Building $186,100$221,100 Land $35,000 Building $186,100

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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