Osceola County property record for 440 Adalines Aly, Saint Cloud, FL 34771
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,784 sqft · built 2022 |
| Lot Size | 0.08 acres (3,485 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $336,300 (May 2022) |
| Tax Bill | $712 (2025) |
| Deeds & Mortgages | Jun 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 292531503600011060 |
| Primary APN | 292531503600011060 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,784 sqft Heated Area |
| Gross Area | 2,378 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2022 |
|---|---|
| Exterior Material | Fiber Cement Siding |
| Construction Type | Frame |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 3,485 sqft (0.08 acres) |
| Garage Type | Finished |
| Porch | Open Porch |
| Porch Area | 132 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Street Address | 440 ADALINES ALY |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-9350 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SILVER SPRINGS PB 30 PGS 90-96 LOT 106 |
| Legal Subdivision | SILVER SPRINGS |
| Legal Lot Number | 106 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 3 |
| Census Block | 3002 |
| Census Tract | 43700 |
440 Adalines Aly is owned and occupied by two individuals who bought it in May 2022.
Source: Osceola County records, as of December 11, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 440 ADALINES ALY, SAINT CLOUD, FL 34771-9350 |
| Occupancy | Owner Occupied |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 27, 2022 · Amount on File |
| Deed Sale | May 27, 2022 · Amount on File |
| Deed Document Number | 0062241272 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 440 ADALINES ALY, SAINT CLOUD, FL 34771-9350 |
| Transaction Type | Mortgage |
| Record Updated | Jan 22, 2024 |
| Name | Verified Name |
|---|---|
| Address | 4361 OSCEOLA TRAIL RD 109, 109, KISSIMMEE, FL 34746-2048 |
| Document Number | 0062241275 |
|---|---|
| Date | Jun 1, 2022 |
| Book Page | 6224/1275 |
| Instrument | 2022085736 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2052 |
The 2025 property tax bill for 440 Adalines Aly was $712 with exemptions applied.
Source: Osceola County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $712.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $320,900 Land $66,000 Building $254,900 | $320,900 Land $66,000 Building $254,900 |
| 2023 | $4,383.00 (+208.44%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $314,500 (+419.83%) Land $66,000 Building $248,500 | $314,500 (+419.83%) Land $66,000 Building $248,500 |
| 2022 | $1,421.00 | $60,500 Land $60,500 | $60,500 Land $60,500 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 440 Adalines Aly 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 70 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 70 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 risk around 440 Adalines Aly is high, ranking above 71% of the US, with a 0.6% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 71% of the US · above 54% of Florida |
|---|---|
| Wildfire Likelihood | 0.6% annual chance |
| Exposure | Direct burnable vegetation |
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 | TOHO WATER AUTHORITY-POINCIANA SYSTEM public/private · serves 69,447 people · EPA ID FL3494429 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2024 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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 334 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Fiber · Cable in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: CenturyLink, Xfinity.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures