511 Carolina Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 511 Carolina Ave, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,740 sqft · built 1969
Lot Size	0.207 acres (9,016 sqft)
Owner	Individual Name on Record
Last Sale	$205,000 (Sep 2017)
Tax Bill	$6,402 (2025)
Deeds & Mortgages	Sep 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-26-30-0001-0004-0180`

Property Details

APN / Parcel Number

Primary APN	`01-26-30-0001-0004-0180`
Alternative APNs	`263001000100040180` `76519`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,740 sqft Living Area
Gross Area	2,248 sqft
1st Floor Area	1,404 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1969
Effective Year Built	Effective 2004
Architectural Style	L-Shape
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,016 sqft (0.207 acres)
Lot Dimensions	150 ft deep x 60 ft wide
Porch	Florida Room
Porch Area	736 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	511 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 BLK 4 LOTS 18, 19 & S 10 FT OF 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	18
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 July 6, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	405 MEAD DR, OVIEDO, FL 32765-9531
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 18, 2017 · Amount on Record
Deed Sale	Sep 18, 2017 · Amount on Record
Prior Sale	Nov 4, 2016 · Amount on Record
Deed Document Number	2017131974
Deed Book / Page	5209 / 659
Record Updated	Sep 20, 2026

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 18, 2017
Property Address	511 CAROLINA AVE, SAINT CLOUD, FL 34769-2929
Document Number	0052090659
Book / Page	5209 / 0659
Map Reference	MB B PG33
Instrument Date	Aug 25, 2017
Instrument	2017131974
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	OLIVER TITLE LAW

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,435.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 7740, APACHE JUNCTION, AZ 85178-0052

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	511 CAROLINA AVE, SAINT CLOUD, FL 34769-2929

Mortgage

Document Number	0052090663
Date	Sep 18, 2017
Instrument	5209/0663

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2047

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	$6,402.00 (+171.62%)	$357,500 (+106.61%) Land $55,000 Building $302,500	$357,500 (+9.86%) Land $55,000 Building $302,500
2023	$2,357.00 (+3.92%) Homeowner's exemption	$173,029 (+3%)	$325,400 (+10.31%) Land $50,000 Building $275,400
2022	$2,268.00 Homeowner's exemption	$167,990	$295,000 Land $45,000 Building $250,000

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