Osceola County property record for 523 Alabama Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,128 sqft · built 1940 |
| Lot Size | 0.26 acres (11,326 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $668 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 76708 |
| Primary APN | 76708 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 2 Stories |
| Building Area | 1,128 sqft Heated Area |
| Gross Area | 1,320 sqft |
| 1st Floor Area | 816 sqft |
| Upper Floors Area | 312 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1940 |
|---|---|
| Exterior Material | Aluminum Siding |
| Foundation Type | Pier/Post & Beam |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 11,326 sqft (0.26 acres) |
| Lot Dimensions | 150 ft deep x 75 ft wide |
| Garage Area | 1,041 sqft |
| Parking Spaces | 6 Parking Spaces |
| Porch | Porch |
| Porch Area | 192 sqft |
| Patio Area | 600 sqft |
| Cooling System | Wall Unit |
|---|
| Account Number | 76708 |
|---|---|
| Street Address | 523 ALABAMA AVE |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-2646 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR2 |
| Legal Description | ST CLOUD PB B PG 33 BLK 24 LOTS 13, 14 & 15 3-26-30 PER OR 473 PG 704 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD |
| Legal Tract | 1 |
| Legal Block | 24 |
| Legal Lot Number | 3,13-15 14 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 3 |
| Census Block | 3048 |
| Census Tract | 43400 |
523 Alabama Ave is owned and occupied by an individual who acquired it in February 2024.
Source: Osceola County records, as of December 11, 2025
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 523 ALABAMA AVE, SAINT CLOUD, FL 34769-2646 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 21, 2024 |
| Deed Sale | Feb 21, 2024 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 523 Alabama Ave was $668 with a homeowner's exemption.
Source: Osceola County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $668.00 Homeowner's exemption | $80,221 | $175,800 Land $55,000 Building $120,800 |
| 2023 | $604.00 (+3.42%) Homeowner's exemption | $75,691 (+3%) | $157,900 (+11.12%) Land $50,000 Building $107,900 |
| 2022 | $584.00 Homeowner's exemption | $73,487 | $142,100 Land $45,000 Building $97,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 523 Alabama 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 Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 98 individual policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 110 units insured incl. 12 condo units |
| Nearby Flood Claims | 24 (1994–2022) |
| Claims Outside the SFHA | 3 of 24 |
| Most Recent Claim | Sep 2022 · Hurricane Ian |
| Claims by Event |
|
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 523 Alabama 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 Risk | Low lower than 97% of the US · lower than 96% of Florida |
|---|---|
| Wildfire Likelihood | 0.01% 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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 439 locations within half a mile, as of December 31, 2025
| Provider | Max 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.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures