436 Minnesota Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 436 Minnesota Ave, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,460 sqft · built 1950
Lot Size	0.169 acres (7,405 sqft)
Owner	Individual Name on File
Last Sale	$112,000 (Jan 2015)
Tax Bill	$4,399 (2025)
Deeds & Mortgages	Jun 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`79650`

Property Details

APN / Parcel Number

Primary APN	`79650`
Alternative APN	`012630000103780050`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,460 sqft Heated Area
Gross Area	2,129 sqft
1st Floor Area	1,136 sqft
Interior Walls	Plaster

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1990
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,405 sqft (0.169 acres)
Lot Dimensions	150 ft deep x 50 ft wide
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Enclosed Porch
Porch Area	513 sqft
Fence	Fence
Shed	1 Shed
Shed Area	24 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	79650
Street Address	436 MINNESOTA AVE
City	SAINT CLOUD
State	FL
Zip	34769-2743
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 N 50 FT OF LOT 5 2/26/30
Legal Range	30E
Legal Township	26S
Legal Section	01
Legal Subdivision	ST CLOUD
Legal Tract	1
Legal Block	378
Legal Lot Number	2,5
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1012
Census Tract	43400

Owner

436 Minnesota Ave is owned by an individual who bought it in January 2015.

Source: Osceola County records, as of December 11, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	5426 STATE ROAD 33, CLERMONT, FL 34714-9111
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 13, 2015 · Amount on File
Deed Sale	Jan 13, 2015 · Amount on File
Prior Sale	Mar 11, 2013 · Amount on File
Deed Document Number	2015005541
Deed Book / Page	4721 / 1082
Record Updated	Jun 8, 2026

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	436 MINNESOTA AVE, SAINT CLOUD, FL 34769-2743
Document Number	0051761173
Book / Page	005176 / 001173
Instrument Date	Jun 30, 2017
Transaction Type	Mortgage
Record Updated	Aug 7, 2017
Title Company	MORTGAGE TITLE SERVICES INC, MORTGAGEE TITLE SERVICES INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	436 MINNESOTA AVE ST CLOUD FL 347692743, ST CLOUD, FL 34769-2743

Mortgage

Document Number	0051761173
Date	Jul 7, 2017
Book Page	005176/001173
Instrument	99516

Lender

Name	FAIRWINDS CU
Address	ORLANDO, FL 32826

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jul 6, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 436 Minnesota Ave was $4,399.

Source: Osceola County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Municipality	St. Cloud City
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,399.00	$265,000 Land $46,800 Building $218,200	$265,000 Land $46,800 Building $218,200
2023	$3,759.00 (+12.58%)	$236,500 (+18.01%) Land $42,500 Building $194,000	$236,500 (+18.01%) Land $42,500 Building $194,000
2022	$3,339.00	$200,400 Land $35,100 Building $165,300	$200,400 Land $35,100 Building $165,300

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 436 Minnesota Ave in Zone X, an area of minimal flood risk.

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 File 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.

Wildfire

Wildfire risk around 436 Minnesota Ave is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 526 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
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20