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438 Connecticut Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 438 Connecticut Ave, Saint Cloud, FL 34769 · Last verified December 2025

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms5 Beds
Bathrooms3 Baths
Year BuiltBuilt 1974
Square Footage2,676 sqft Heated Area
Lot Size14,810 sqft (0.339 acres)
OccupancyOwner Occupied
Last Sale$229,900 (2017)
Tax Bill$3,298.00 (2025)

Property Details

APN / Parcel Number

Primary APN79668
Alternative APN
  • 012630000103790050

Interior

Bedrooms5 Beds
Full Baths3 Baths
Building Area2,676 sqft Heated Area
Gross Area3,088 sqft Gross Area
1st Floor2,120 sqft 1st Floor
Stories1 Stories
Primary FlooringTile Flooring
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 1954
Effective Year BuiltEffective 1974
Exterior MaterialStucco Exterior
Construction TypeFrame Construction
Foundation TypeFooting Foundation
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area14,810 sqft (0.339 acres)
Depth X Width150 ft x 100 ft Depth x Width

Exterior Amenities

Pool Area525 sqft Pool
FenceFence
Shed1 Shed
Shed Area80 sqft Shed
Deck Area729 sqft Deck
PorchEnclosed Porch
Porch Area968 sqft Porch

Utilities and HVAC

Cooling SystemA/C Package Cooling
Heating SystemHVAC Heating

Location & Zoning

Account Number79668
Street Address438 CONNECTICUT AVE
CitySAINT CLOUD
StateFL
Zip34769-2731
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionLAKE FRONT ADDN PB B PG 61-62 BLK 379 LOT 5 2/26/30
Legal Range30E
Legal Township26S
Legal Section01
Legal SubdivisionST CLOUD
Legal Tract1
Legal Block379
Legal Lot Number2,5
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup1
Census Block1011
Census Tract43400

Owner

Source: Osceola County records · APN 79668

Assessment roll updated July 1, 2025 · Last verified December 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Co-ownerVerified Secondary Owner
Mailing Address438 CONNECTICUT AVE, SAINT CLOUD, FL 34769-2731
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Jun 30, 2021Deed of Trust, Mortgage · Line of Credit
TRUIST BANK
Nov 22, 2019Deed of Trust, Mortgage · Conventional Mortgage
MORTGAGE FIRM
Aug 23, 2017Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage
THE MORTGAGE FIRM INC
Mar 09, 2017Deed of Trust, Mortgage · Line of Credit
BRANCH BK&TR

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleAug 23, 2017 · Amount on Record
Deed SaleAug 23, 2017 · Amount on Record
Prior SaleMay 18, 2004 · Amount on Record
Deed Doc Number2017122401
Deed Book / Page5199 / 0219
Record RefreshedJun 08, 2026

June 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address438 CONNECTICUT AVE, SAINT CLOUD, FL 34769-2731
Transaction TypeMortgage
Record UpdatedJul 20, 2021
Title CompanyTITLE 365, TITLE365

Transferred To (Grantee/Buyer)

NameVerified Name
Address438 CONNECTICUT AVE, SAINT CLOUD, FL 34769-2731

Mortgage

Document Number0059921122
DateJun 30, 2021
Book Page5992/1122
Instrument2021101952
Lender
NameTRUIST BANK
TypeBank
AddressORLANDO, FL 32809
Agreement
TypeLine of Credit
AmountAmount Recorded
Term360 Months
DueJun 29, 2051
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly (Revolving credit lines are monthly unless stated otherwise).

November 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address438 CONNECTICUT AVE, SAINT CLOUD, FL 34769-2731
Document Number0056310358
Instrument DateNov 22, 2019
Transaction TypeMortgage
Record UpdatedDec 18, 2019
Title CompanySTEWART TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband And Wife
Address438 CONNECTICUT AVE ST CLOUD FL 347692731, ST CLOUD, FL 34769-2731

Mortgage

Document Number0056310358
DateNov 27, 2019
Book Page005631/000358
Instrument154562
Lender
NameMORTGAGE FIRM
TypeMortgage Company
AddressALTAMONTE SPRINGS, FL 32714
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueNov 26, 2049

August 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateAug 23, 2017
Property Address438 CONNECTICUT AVE, SAINT CLOUD, FL 34769-2731
Document Number0051990219
Book / Page5199 / 0219
Map ReferenceMB B PG61-64
Instrument DateAug 22, 2017
Instrument2017122401
Transaction TypeTransfer
Record UpdatedFeb 08, 2022
Title CompanySTEWART TITLE COMPANY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,609.30
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address9630 SW 95TH TER, 9630, OCALA, FL 34481-5523

Transferred To (Grantee/Buyer)

NameVerified Name
Address438 CONNECTICUT AVE, SAINT CLOUD, FL 34769-2731

Mortgage

Document Number0051990220
DateAug 23, 2017
Instrument5199/0220
Lender
NameTHE MORTGAGE FIRM INC
TypeMortgage Company
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term361 Months
DueSep 01, 2047

March 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address438 CONNECTICUT AVE, SAINT CLOUD, FL 34769-2731
Document Number0051192887
Book / Page005119 / 002887
Instrument DateMar 09, 2017
Transaction TypeMortgage
Record UpdatedApr 12, 2017
Title CompanyDATA SEARCH INC

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband And Wife
Address438 CONNECTICUT AVE ST CLOUD FL 347692731, ST CLOUD, FL 34769-2731

Mortgage

Document Number0051192887
DateMar 21, 2017
Book Page005119/002887
Instrument43265
Lender
NameBRANCH BK&TR
TypeBank
AddressWHITEVILLE, NC 28472
Agreement
TypeLine of Credit
AmountAmount Recorded
Term300 Months
DueMar 20, 2042
Interest
Rate TypeAdjustable Rate

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

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

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$3,298.00 (+6.35%) Homeowner's exemption$227,164 (+5.99%)$425,900 (+11.32%) Land $63,200 Building $362,700
2023$3,101.00 (+3.71%) Homeowner's exemption$214,333 (+3%)$382,600 (+10.45%) Land $57,500 Building $325,100
2022$2,990.00 Homeowner's exemption$208,091$346,400 Land $51,800 Building $294,600

Flood & Wildfire

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

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

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