437 New York Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 437 New York Ave, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,161 sqft · built 1940
Lot Size	0.172 acres (7,492 sqft)
Owner	2 Individual Names on File
Last Sale	$175,000 (May 2026)
Tax Bill	$3,524 (2025)
Deeds & Mortgages	May 2026 Sale
Flood Zone	Zone X (minimal risk)
APN	`01-26-30-0001-0374-0065`

Property Details

APN / Parcel Number

Primary APN	`01-26-30-0001-0374-0065`
Alternative APNs	`263001000103740065` `79590`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,161 sqft Living Area
Gross Area	1,323 sqft
1st Floor Area	1,161 sqft
Flooring	Wood
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1968
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
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 Area	336 sqft
Parking Spaces	1 Parking Space
Porch	Florida Room
Porch Area	162 sqft
Deck Area	266 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	437 NEW YORK AVE
City	SAINT CLOUD
State	FL
Zip	34769-2870
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR1A
Legal Description	LAKE FRONT ADDN PB B PG 61/62 BLK 374 N 50 FT LOT 6 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	374
Legal Lot Number	6
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1017
Census Tract	43500

Owner

437 New York Ave is owned and occupied by two individuals who bought it in May 2026.

Source: Osceola County records, as of June 10, 2026

Owner of Record	2 Individual Names on File
Mailing Address	437 NEW YORK AVE, SAINT CLOUD, FL 34769-2870
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

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	May 28, 2026 · Amount on File
Deed Sale	May 28, 2026 · Amount on File
Deed Document Number	202669614
Deed Book / Page	6978 / 2
Record Updated	Sep 20, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 28, 2026
Property Address	437 NEW YORK AVE, SAINT CLOUD, FL 34769-2870
Document Number	0000069614
Book / Page	6978 / 2
Instrument Date	May 14, 2026
Instrument	202669614
Transaction Type	Transfer
Record Updated	Jun 10, 2026
Title Company	TITLE ONE, TITLE TOWN

Transaction

Amount	Amount on Record
Tax	$123,725.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	437 NEW YORK AVE, SAINT CLOUD, FL 34769-2870

Tax Assessment & Valuation

The 2025 property tax bill for 437 New York Ave was $3,524, up 7.6% from the year before.

Source: Osceola County assessment roll, as of November 26, 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	$3,524.00 (+7.64%)	$209,400 Land $46,800 Building $162,600	$209,400 Land $46,800 Building $162,600
2024	$3,274.00 (+9.1%)
2023	$3,001.00 (+11.56%)	$185,300 (+14.95%) Land $42,500 Building $142,800	$185,300 (+14.95%) Land $42,500 Building $142,800
2022	$2,690.00	$161,200 Land $35,100 Building $126,100	$161,200 Land $35,100 Building $126,100

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

Flood

FEMA maps place 437 New York Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1994.

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 17 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	17 in force
Nearby Flood Claims	1 (1994)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Nov 1994 · rainfall accumulation

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 437 New York 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