Osceola County property record for 435 Connecticut Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,061 sqft · built 1958 |
| Lot Size | 0.172 acres (7,492 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $191,000 (Mar 2021) |
| Tax Bill | $3,945 (2025) |
| Deeds & Mortgages | Mar 2024 Mortgage Jul 2023 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-26-30-0001-0378-0070 |
| Primary APN | 01-26-30-0001-0378-0070 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,061 sqft Living Area |
| Gross Area | 1,432 sqft |
| 1st Floor Area | 784 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Year Built | Built 1958 |
|---|---|
| Effective Year Built | Effective 1988 |
| Architectural Style | Conventional |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 7,492 sqft (0.172 acres) |
| Lot Dimensions | 150 ft deep x 0.5 ft wide |
| Garage Type | Carport |
| Garage Area | 231 sqft |
| Carport | Carport |
| Carport Area | 231 sqft |
| Porch | Florida Room |
|---|---|
| Porch Area | 333 sqft |
| Patio Area | 228 sqft |
| Shed | 1 Shed |
| Shed Area | 160 sqft |
| Cooling System | Wall Unit |
|---|---|
| Heating System | HVAC |
| Street Address | 435 CONNECTICUT AVE |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-2730 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR1A |
| Legal Description | LAKE FRONT ADDN PB B PG 61/62 BLK 378 S 1/2 OF LOT 7 2/26/30 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD 2ND PLAT TOWN OF |
| Legal Tract | 1 |
| Legal Block | 378 |
| Legal Lot Number | 7 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 43400 |
Source: Osceola County records, as of October 19, 2026
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 | 435 CONNECTICUT AVE, SAINT CLOUD, FL 34769-2730 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Mar 15, 2024 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Jul 14, 2023 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Jul 11, 2022 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Mar 2, 2021 | Warranty Deed, Transfer · FHA Mortgage HOMEBRIDGE FINANCIAL SERVICES INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 2, 2021 · Amount on Record |
| Deed Sale | Mar 2, 2021 · Amount on Record |
| Prior Sale | Jun 28, 2016 · Amount on Record |
| Deed Document Number | 202130039 |
| Deed Book / Page | 5901 / 1939 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 435 CONNECTICUT AVE, SAINT CLOUD, FL 34769-2730 |
| Transaction Type | Mortgage |
| Record Updated | May 16, 2024 |
| Name | Verified Name |
|---|---|
| Address | 435 CONNECTICUT AVE, SAINT CLOUD, FL 34769-2730 |
| Document Number | 0065660212 |
|---|---|
| Date | Mar 15, 2024 |
| Book Page | 6566/212 |
| Instrument | 2024034099 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | 951 W YAMATO RD, BOCA RATON, FL 33431 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 324 Months |
| Due | Mar 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 435 CONNECTICUT AVE, SAINT CLOUD, FL 34769-2730 |
| Transaction Type | Mortgage |
| Record Updated | Jul 28, 2023 |
| Name | Verified Name |
|---|---|
| Address | 435 CONNECTICUT AVE, SAINT CLOUD, FL 34769-2730 |
| Document Number | 0064401872 |
|---|---|
| Date | Jul 14, 2023 |
| Book Page | 6440/1872 |
| Instrument | 2023090864 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 332 Months |
| Due | Mar 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 435 CONNECTICUT AVE, SAINT CLOUD, FL 34769-2730 |
| Transaction Type | Mortgage |
| Record Updated | Jul 27, 2022 |
| Name | Verified Name |
|---|---|
| Address | 435 CONNECTICUT AVE, SAINT CLOUD, FL 34769-2730 |
| Document Number | 0062490652 |
|---|---|
| Date | Jul 11, 2022 |
| Book Page | 6249/652 |
| Instrument | 2022107064 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | DENVER, CO 80249 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 344 Months |
| Due | Mar 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Mar 2, 2021 |
| Property Address | 435 CONNECTICUT AVE, SAINT CLOUD, FL 34769-2730 |
| Document Number | 0059011939 |
| Book / Page | 5901 / 1939 |
| Map Reference | MB B PG 61-64 |
| Instrument Date | Feb 23, 2021 |
| Instrument | 2021030039 |
| Transaction Type | Transfer |
| Record Updated | Feb 8, 2022 |
| Title Company | SOUTH FLORIDA TITLE ASSOCIATES, SOUTH FLORIDA TITLE ASSC LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,337.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 224 VIRGINIA AVE, 224, SAINT CLOUD, FL 34769-2436 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 435 CONNECTICUT AVE, SAINT CLOUD, FL 34769-2730 |
| Document Number | 0059011941 |
|---|---|
| Date | Mar 2, 2021 |
| Instrument | 5901/1941 |
| Name | HOMEBRIDGE FINANCIAL SERVICES INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 1, 2051 |
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 | $3,945.00 (+16.85%) | $220,200 (+11.89%) Land $46,800 Building $173,400 | $220,200 (+11.89%) Land $46,800 Building $173,400 |
| 2023 | $3,376.00 (+12.46%) | $196,800 (+18.27%) Land $42,500 Building $154,300 | $196,800 (+18.27%) Land $42,500 Building $154,300 |
| 2022 | $3,002.00 | $166,400 Land $35,100 Building $131,300 | $166,400 Land $35,100 Building $131,300 |
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 12 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 12 in force |
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 67% of the US · lower than 92% of Florida |
|---|---|
| Wildfire Likelihood | 0.03% 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 306 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 |
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