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438 California Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 438 California Ave, Saint Cloud, FL 34769

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,352 sqft · built 1957
Lot Size0.315 acres (13,721 sqft)
Owner2 Individual Names on File
Last Sale$330,000 (Jun 2023)
Tax Bill$4,587 (2025)
Deeds & MortgagesJun 2023 Sale & Mortgage
Dec 2020 Transfer
Flood ZoneZone X (minimal risk)
APN01-26-30-0001-0385-0050

Property Details

APN / Parcel Number

Primary APN01-26-30-0001-0385-0050
Alternative APNs
  • 263001000103850050
  • 79728

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,352 sqft Living Area
Gross Area2,114 sqft
1st Floor Area1,352 sqft
FlooringWood
Interior WallsPlaster

Exterior

Year BuiltBuilt 1957
Effective Year BuiltEffective 1967
Architectural StyleCustom Design
Exterior MaterialConcrete Block
Construction TypeMasonry / Concrete Block
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area13,721 sqft (0.315 acres)
Lot Dimensions138 ft deep x 100 ft wide
Garage TypeCarport
Garage Area532 sqft
CarportCarport
Carport Area532 sqft

Exterior Amenities

PorchFinished/Open Porch
Porch Area640 sqft
Shed1 Shed
Shed Area40 sqft

Utilities, Heating & Cooling

Cooling SystemWall Unit
Heating SystemHVAC

Location & Zoning

Street Address438 CALIFORNIA AVE
CitySAINT CLOUD
StateFL
Zip34769-2608
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeSR2
Legal DescriptionLAKE SHORE PARK UNIT 1 PB 1 PG 414 BLK 385 LOT 5
Legal Range30E
Legal Township26S
Legal Section01
Legal SubdivisionST CLOUD 2ND PLAT TOWN OF
Legal Tract1
Legal Block385
Legal Lot Number5
Legal Unit1P
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group3
Census Block3035
Census Tract43400

Owner

438 California Ave is owned and occupied by two individuals who bought it in June 2023.

Source: Osceola County records, as of September 23, 2026

Owner of Record2 Individual Names on File
Mailing Address438 CALIFORNIA AVE, SAINT CLOUD, FL 34769-2608
OccupancyOwner Occupied
Owner TypeIndividual
VestingSingle Woman

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

DateDocument
Jun 19, 2023Warranty Deed, Transfer · FHA Mortgage
OPEN MORTGAGE LLC
Dec 7, 2020Quit Claim Deed, Transfer
SELECTITLE LLC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJun 19, 2023 · Amount on File
Deed SaleJun 19, 2023 · Amount on File
Prior SaleApr 23, 2003 · Amount on File
Deed Document Number202379100
Deed Book / Page6427 / 545
Record UpdatedOct 29, 2026

June 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateJun 19, 2023
Property Address438 CALIFORNIA AVE, SAINT CLOUD, FL 34769-2608
Document Number0064270545
Book / Page6427 / 545
Map ReferenceMB 1 PG 366
Instrument DateJun 16, 2023
Instrument2023079100
Transaction TypeTransfer
Record UpdatedJul 3, 2023
Title CompanyTITLE TEAM

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,310.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address6004 ALLIGATOR LAKE SHR W, SAINT CLOUD, FL 34771-7318

Transferred To (Grantee/Buyer)

NameVerified Name
Address438 CALIFORNIA AVE, SAINT CLOUD, FL 34769-2608

Mortgage

Document Number0064270547
DateJun 19, 2023
Book Page6427/547
Instrument2023079101
Lender
NameOPEN MORTGAGE LLC
TypeMortgage Company
AddressAUSTIN, TX 78737
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term361 Months
DueJul 1, 2053

December 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionOSCEOLA FL
Recording DateDec 7, 2020
Property Address438 CALIFORNIA AVE, SAINT CLOUD, FL 34769-2608
Document Number0058462345
Book / Page005846 / 002345
Instrument DateDec 7, 2020
Instrument166193
Transaction TypeTransfer
Record UpdatedDec 17, 2020
Title CompanySELECTITLE LLC

Transaction

Tax$0.00
Additional
  • Quitclaim

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCorporate Trust
Address9990 RICHMOND AVE #400 HOUSTON TX 770424546, 400, HOUSTON, TX 77042-4546
InvestorPossibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 438 California Ave was $4,587 with a homeowner's exemption.

Source: Osceola County assessment roll, as of November 26, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$4,587.00 Homeowner's exemption$299,200 Land $63,200 Building $236,000$299,200 Land $63,200 Building $236,000
2023$3,178.00 (+21.44%)$221,900 (+46.18%) Land $57,500 Building $164,400$221,900 (+46.18%) Land $57,500 Building $164,400
2022$2,617.00$151,800 Land $51,800 Building $100,000$151,800 Land $51,800 Building $100,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 438 California Ave in Zone X, an area of minimal flood risk, though there have been 24 flood claims 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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 98 individual policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies110 units insured
incl. 12 condo units
Nearby Flood Claims24 (1994–2022)
Claims Outside the SFHA3 of 24
Most Recent ClaimSep 2022 · Hurricane Ian
Claims by Event
  • Hurricane Ian, Sep 2022 · 4 claims
  • Hurricane Ian, Sep 2022 · 2 claims
  • Hurricane Frances, Sep 2004 · 3 claims

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 438 California 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 RiskLow
lower than 97% of the US · lower than 96% of Florida
Wildfire Likelihood0.01% annual chance
ExposureDirect
burnable vegetation

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 SystemST. CLOUD, CITY OF (3 WPS)
serves 82,752 people · EPA ID FL3491373
Water SourceGroundwater
Last State InspectionJul 2025
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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 439 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
CenturyLink
Fiber		8,000 / 8,000
Spectrum
Cable		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20

May also be available: Hotwire Communications.

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