Osceola County property record for 433 California Ave, Saint Cloud, FL 34769 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 1982 |
| Square Footage | 1,204 sqft Living Area |
| Lot Size | 8,712 sqft (0.2 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $225,000 (2025) |
| Tax Bill | $2,501.00 (2025) |
| Primary APN | 01-26-30-0001-0384-00J0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,204 sqft Living Area |
| Gross Area | 1,508 sqft Gross Area |
| 1st Floor | 1,204 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Wood Flooring |
| Interior Structure | Plaster Interior Structure |
| Year Built | Built 1959 |
|---|---|
| Effective Year Built | Effective 1982 |
| Exterior Material | Concrete Block Exterior |
| Construction Type | Masonry/Concrete Masonry Units (CMUs) Construction |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Builtup (layered Asphalt) Roof |
| Lot Area | 8,712 sqft (0.2 acres) |
| Depth X Width | 138 ft x 0.6 ft Depth x Width |
| Garage Type | Carport Garage |
| Garage Area | 210 sqft Garage |
| Carport | Carport |
| Carport Area | 210 sqft Carport |
| Shed | 1 Shed |
| Shed Area | 70 sqft Shed |
| Porch Area | 24 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 433 CALIFORNIA AVE |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-2607 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LAKE SHORE PARK UNIT 1 PB 1 PG 366 BLK 384 LOT J |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD 2ND PLAT TOWN OF |
| Legal Tract | 1 |
| Legal Block | 384 |
| Legal Lot Number | J |
| Legal Unit | 1P |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 3 |
| Census Block | 3034 |
| Census Tract | 43400 |
Source: Osceola County records · APN 01-26-30-0001-0384-00J0
Assessment roll updated November 26, 2025 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 433 CALIFORNIA AVE, SAINT CLOUD, FL 34769-2607 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Vesting | Life Estate |
| Date | Document |
|---|---|
| Jun 22, 2026 | Warranty Deed, Transfer NONE LISTED ON DOCUMENT |
| Feb 12, 2024 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage ESSEX MORTGAGE |
| Apr 28, 2020 | Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage BAY EQUITY |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Mar 20, 2025 · Amount on Record |
| Deed Sale | Mar 20, 2025 · Amount on Record |
| Prior Sale | Apr 28, 2020 · Amount on Record |
| Deed Doc Number | 202535230 |
| Deed Book / Page | 6757 / 1711 |
| Prior Transfer Date | Nov 24, 2014 |
| Prior Transfer Doc | 0047091241 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jun 22, 2026 |
| Property Address | 433 CALIFORNIA AVE, SAINT CLOUD, FL 34769-2607 |
| Document Number | 0069911052 |
| Book / Page | 6991 / 1052 |
| Instrument Date | Jun 18, 2026 |
| Instrument | 202681360 |
| Transaction Type | Transfer |
| Record Updated | Jul 02, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Tax | $70.70 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Life Estate |
| Address | 433 CALIFORNIA AVE, SAINT CLOUD, FL 34769-2607 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 433 CALIFORNIA AVE, SAINT CLOUD, FL 34769-2607 |
| Transaction Type | Mortgage |
| Record Updated | Feb 26, 2024 |
| Name | Verified Name |
|---|---|
| Address | 433 CALIFORNIA AVE, SAINT CLOUD, FL 34769-2607 |
| Document Number | 0065480122 |
|---|---|
| Date | Feb 12, 2024 |
| Book Page | 6548/122 |
| Instrument | 2024018024 |
| Name | ESSEX MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | OCALA, FL 34475 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 315 Months |
| Due | May 01, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Apr 28, 2020 |
| Property Address | 433 CALIFORNIA AVE, SAINT CLOUD, FL 34769-2607 |
| Document Number | 0057142241 |
| Book / Page | 005714 / 002241 |
| Instrument Date | Apr 24, 2020 |
| Instrument | 57672 |
| Transaction Type | Transfer |
| Record Updated | Jun 23, 2020 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,379.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 433 CALIFORNIA AVE ST CLOUD FL 347692607, ST CLOUD, FL 34769-2607 |
| Document Number | 57142242 |
|---|---|
| Date | Apr 28, 2020 |
| Book Page | 005714/002242 |
| Instrument | 57673 |
| Name | BAY EQUITY |
|---|---|
| Type | Funding / Finance Company |
| Address | CORTE MADERA, CA 94925 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 27, 2050 |
| Document Number | 57142253, |
|---|---|
| Date | Apr 28, 2020 |
| Book Page | 005714/002253 |
| Instrument | 57674 |
| Name | BAY EQUITY |
|---|---|
| Type | Funding / Finance Company |
| Address | SAUSALITO, CA 94965 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Apr 27, 2050 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,501.00 (+3.69%) | $182,604 (+5.99%) | $275,500 (+18.7%) Land $55,000 Building $220,500 |
| 2024 | $2,412.00 (+2.94%) | ||
| 2023 | $2,343.00 (+3.9%) Homeowner's exemption | $172,290 (+3%) | $232,100 (+11.05%) Land $34,000 Building $198,100 |
| 2022 | $2,255.00 Homeowner's exemption | $167,272 | $209,000 Land $30,600 Building $178,400 |
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
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Low above 3% of the US · above 3% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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