505 Carolina Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 505 Carolina Ave, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 816 sqft · built 1945
Lot Size	0.224 acres (9,757 sqft)
Owner	2 Individual Names on Record
Last Sale	$120,000 (Feb 2019)
Tax Bill	$2,505 (2025)
Deeds & Mortgages	Feb 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-26-30-0001-0004-0210`

Property Details

APN / Parcel Number

Primary APN	`01-26-30-0001-0004-0210`
Alternative APNs	`263001000100040210` `76520`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	816 sqft Living Area
Gross Area	864 sqft
1st Floor Area	816 sqft
Flooring	Wood
Interior Walls	Plaster

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1987
Architectural Style	Custom Design
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,757 sqft (0.224 acres)
Lot Dimensions	150 ft deep x 65 ft wide
Garage Type	Carport
Garage Area	432 sqft
Carport	Carport
Carport Area	432 sqft
Parking Spaces	2 Parking Spaces
Shed	1 Shed
Shed Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	505 CAROLINA AVE
City	SAINT CLOUD
State	FL
Zip	34769-2929
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR2
Legal Description	ST CLOUD PB B PG 33/34 BLK 4 LOTS 21 THRU 22 & N 15 FT LOT 20 1/26/30
Legal Range	30E
Legal Township	26S
Legal Section	01
Legal Subdivision	ST CLOUD 2ND PLAT TOWN OF
Legal Tract	1
Legal Block	4
Legal Lot Number	21
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	5
Census Block	5034
Census Tract	43500

Owner

Source: Osceola County records, as of November 26, 2025

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

Owner of Record	2 Individual Names on Record
Mailing Address	505 CAROLINA AVE, SAINT CLOUD, FL 34769-2929
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants in Common

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 12, 2019 · Amount on Record
Deed Sale	Feb 12, 2019 · Amount on Record
Deed Document Number	201918321
Deed Book / Page	5476 / 652
Prior Transfer Date	Jun 20, 2005
Prior Transfer Doc	0028322140
Record Updated	Jun 8, 2026

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 12, 2019
Property Address	505 CAROLINA AVE, SAINT CLOUD, FL 34769-2929
Document Number	0054760652
Book / Page	5476 / 0652
Map Reference	MB B PG 33-34
Instrument Date	Feb 11, 2019
Instrument	2019018321
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	STEWART TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$840.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3524 PACKARD AVE, 3524, SAINT CLOUD, FL 34772-7333

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	505 CAROLINA AVE, SAINT CLOUD, FL 34769-2929

Mortgage

Document Number	2019018322
Date	Feb 12, 2019
Instrument	2019018322

Lender

Name	CITY NATIONAL BANK OF FLORIDA
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2049

Tax Assessment & Valuation

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	$2,505.00 (+2.29%) Homeowner's exemption	$116,545 (+5.99%)	$192,000 (+10.79%) Land $55,000 Building $137,000
2024	$2,449.00 (+1.83%)
2023	$2,405.00 (+10.12%) Homeowner's exemption	$109,963 (+11.85%)	$173,300 (+23.17%) Land $50,000 Building $123,300
2022	$2,184.00 Homeowner's exemption	$98,314	$140,700 Land $45,000 Building $95,700

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

Flood

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 Record median of 51 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	51 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

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

Wildfire Risk	Low lower than 66% of the US · lower than 91% of Florida
Wildfire Likelihood	0.03% annual chance
Exposure	Direct 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 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 384 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	2,000 / 1,000
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20