610 Alabama Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 610 Alabama Ave, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,113 sqft · built 1991
Lot Size	0.172 acres (7,492 sqft)
Owner	2 Individual Names on File
Last Sale	$160,000 (Jun 2017)
Tax Bill	$4,557 (2025)
Deeds & Mortgages	Apr 2022 Transfer Aug 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`01-26-30-0001-0034-0050`

Property Details

APN / Parcel Number

Primary APN	`01-26-30-0001-0034-0050`
Alternative APNs	`263001000100340050` `76799`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,113 sqft Living Area
Gross Area	1,458 sqft
1st Floor Area	1,113 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1996
Architectural Style	Conventional
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,492 sqft (0.172 acres)
Lot Dimensions	150 ft deep x 0.5 ft wide
Garage Type	Attached
Garage Area	325 sqft
Parking Spaces	1 Parking Space
Porch	Finished/Open Porch
Porch Area	20 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	610 ALABAMA AVE
City	SAINT CLOUD
State	FL
Zip	34769-3161
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR2
Legal Description	ST CLOUD PB B PG 34 BLK 34 LOTS 5 & 6 3/26/30
Legal Range	30E
Legal Township	26S
Legal Section	01
Legal Subdivision	ST CLOUD 2ND PLAT TOWN OF
Legal Tract	1
Legal Block	34
Legal Lot Number	5
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3050
Census Tract	43400

Owner

610 Alabama Ave is owned by two individuals who acquired it in March 2022.

Source: Osceola County records, as of November 26, 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	2 Individual Names on File
Mailing Address	1974 CRICKET CRADLE DR, KISSIMMEE, FL 34746-2375
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 6, 2022	Intrafamily Transfer, Transfer
Aug 4, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage THE MORTGAGE FIRM INC
Jun 20, 2017	Warranty Deed, Transfer · FHA Mortgage STEARNS LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 20, 2017 · Amount on File
Deed Sale	Jun 20, 2017 · Amount on File
Prior Sale	Sep 17, 2014 · Amount on File
Deed Document Number	201789552
Deed Book / Page	5166 / 2168
Last Transfer Date	Mar 21, 2022
Transfer Doc	0061880735
Record Updated	Jun 8, 2026

April 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Apr 6, 2022
Property Address	610 ALABAMA AVE, SAINT CLOUD, FL 34769-3161
Document Number	0061880735
Book / Page	6188 / 735
Map Reference	MB B PG 33&34
Instrument Date	Mar 21, 2022
Instrument	2022054476
Transaction Type	Transfer
Record Updated	Aug 1, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	610 ALABAMA AVE, SAINT CLOUD, FL 34769-3161

August 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Aug 4, 2021
Property Address	610 ALABAMA AVE, SAINT CLOUD, FL 34769-3161
Document Number	0060152839
Book / Page	6015 / 2839
Map Reference	MB B PG 33&34
Instrument Date	Jul 28, 2021
Instrument	2021120550
Transaction Type	Transfer
Record Updated	Aug 1, 2022
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	610 ALABAMA AVE, SAINT CLOUD, FL 34769-3161

Mortgage

Document Number	0060152840
Date	Aug 4, 2021
Instrument	6015/2840

Lender

Name	THE MORTGAGE FIRM INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 20, 2017
Property Address	610 ALABAMA AVE, SAINT CLOUD, FL 34769-3161
Document Number	0051662168
Book / Page	005166 / 002168
Instrument Date	Jun 16, 2017
Instrument	89552
Transaction Type	Transfer
Record Updated	Jul 21, 2017
Title Company	QUALITY TITLE AND ESCROW LLC, QUALITY TITLE & ESCROW LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,120.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1492 ORANGE BLOSSOM CT KISSIMMEE FL 347442819, KISSIMMEE, FL 34744-2819

Mortgage

Document Number	51662170
Date	Jun 20, 2017
Book Page	005166/002170
Instrument	89553

Lender

Name	STEARNS LNDG
Address	SANTA ANA, CA 92707-8788

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 19, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 610 Alabama Ave was $4,557, up 7.4% from the year before.

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	$4,557.00 (+7.38%)	$278,200 Land $46,800 Building $231,400	$278,200 Land $46,800 Building $231,400
2024	$4,244.00 (+8.13%)
2023	$3,925.00 (+10.5%)	$253,600 (+11.72%) Land $42,500 Building $211,100	$253,600 (+11.72%) Land $42,500 Building $211,100
2022	$3,552.00	$227,000 Land $35,100 Building $191,900	$227,000 Land $35,100 Building $191,900

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

Flood

FEMA maps place 610 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	Hurricane Ian, Sep 2022 · 4 claims Hurricane Ian, Sep 2022 · 2 claims Hurricane Frances, Sep 2004 · 3 claims

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

Wildfire risk around 610 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.

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 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.

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