611 Carolina Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 611 Carolina Ave, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,199 sqft · built 1994
Lot Size	0.241 acres (10,497 sqft)
Owner	Individual Name on File
Tax Bill	$902 (2025)
Deeds & Mortgages	Feb 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-26-30-0001-0055-0190`

Property Details

APN / Parcel Number

Primary APN	`01-26-30-0001-0055-0190`
Alternative APNs	`263001000100550190` `77017`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,199 sqft Living Area
Gross Area	1,987 sqft
1st Floor Area	1,199 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Architectural Style	Conventional
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,497 sqft (0.241 acres)
Lot Dimensions	150 ft deep x 70 ft wide
Garage Type	Attached
Garage Area	483 sqft
Parking Spaces	2 Parking Spaces
Porch	Screened/Unfinished Porch
Porch Area	305 sqft
Patio Area	230 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	611 CAROLINA AVE
City	SAINT CLOUD
State	FL
Zip	34769-2931
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR2
Legal Description	ST CLOUD PB B PG 34 BLK 55, N 15 FT LOT 19 & ALL LOTS 20 AND 21 AND S 5 FT OF LOT 22 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	55
Legal Lot Number	19
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	5
Census Block	5037
Census Tract	43500

Owner

611 Carolina Ave is owned and occupied by an individual who acquired it in February 2018.

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

Owner of Record	Individual Name on File
Mailing Address	611 CAROLINA AVE, SAINT CLOUD, FL 34769-2931
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Feb 2, 2018
Transfer Doc	0052840829
Record Updated	Jun 8, 2026

February 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Feb 12, 2018
Property Address	611 CAROLINA AVE, SAINT CLOUD, FL 34769-2931
Document Number	0052840829
Book / Page	5284 / 0829
Map Reference	MB B PG33-34
Instrument Date	Feb 2, 2018
Instrument	2018023855
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	MORTGAGEE TITLE SERVICES INC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2623 LAKESHORE BLVD, 2623, SAINT CLOUD, FL 34769-2155

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	611 CAROLINA AVE, SAINT CLOUD, FL 34769-2931

Mortgage

Document Number	2018023856
Date	Feb 12, 2018
Instrument	2018023856

Lender

Name	CENTRAL FLORIDA EDUCATORS FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Mar 1, 2033

Tax Assessment & Valuation

The 2025 property tax bill for 611 Carolina Ave was $902 with a homeowner's exemption, up 4.5% 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	$902.00 (+4.52%) Homeowner's exemption	$93,297	$269,000 Land $55,000 Building $214,000
2024	$863.00 (+4.48%)
2023	$826.00 (+5.76%) Homeowner's exemption	$88,028 (+3%)	$240,000 (+16%) Land $50,000 Building $190,000
2022	$781.00 Homeowner's exemption	$85,465	$206,900 Land $45,000 Building $161,900

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

Flood

FEMA maps place 611 Carolina Ave 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 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

Wildfire risk around 611 Carolina Ave is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

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 458 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	8,000 / 8,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20