Osceola County property record for 706 Alabama Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,152 sqft · built 1996 |
| Lot Size | 0.086 acres (3,746 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $190,000 (Jan 2006) |
| Tax Bill | $589 (2025) |
| Deeds & Mortgages | Aug 2026 Line of Credit Feb 2023 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-26-30-0001-0083-0040 |
| Primary APN | 01-26-30-0001-0083-0040 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,152 sqft Living Area |
| Gross Area | 1,510 sqft |
| 1st Floor Area | 1,152 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1996 |
|---|---|
| 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 | 3,746 sqft (0.086 acres) |
| Lot Dimensions | 150 ft deep x 25 ft wide |
| Garage Type | Attached |
| Garage Area | 338 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Finished/Open Porch |
| Porch Area | 20 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 706 ALABAMA AVE |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-3163 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR2 |
| Legal Description | ST CLOUD PB 8 PG 33 & 34 BLK 83 LOT 4 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 | 83 |
| Legal Lot Number | 4 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 3 |
| Census Block | 3061 |
| Census Tract | 43400 |
Source: Osceola County records, as of September 2, 2026
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 | 706 ALABAMA AVE, SAINT CLOUD, FL 34769-3163 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Aug 25, 2026 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA |
| Feb 9, 2023 | Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 19, 2006 · Amount on Record |
| Deed Sale | Jan 19, 2006 · Amount on Record |
| Prior Sale | Jul 20, 2005 · Amount on Record |
| Deed Document Number | 200617053 |
| Deed Book / Page | 3036 / 1378 |
| Last Transfer Date | Mar 19, 2012 |
| Transfer Doc | 0042440287 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Aug 25, 2026 |
| Property Address | 706 ALABAMA AVE, SAINT CLOUD, FL 34769-3163 |
| Document Number | 0000110565 |
| Book / Page | 7024 / 2475 |
| Instrument Date | Aug 13, 2026 |
| Instrument | 2026110565 |
| Transaction Type | Mortgage |
| Record Updated | Sep 9, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 706 ALABAMA AVE, SAINT CLOUD, FL 34769-3163 |
| Document Number | 0000110565, |
|---|---|
| Date | Aug 25, 2026 |
| Book Page | 7024/2475 |
| Instrument | 2026110565 |
| Name | BANK OF AMERICA |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 13, 2056 |
| Max Rate | -1% |
|---|
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Feb 9, 2023 |
| Property Address | 706 ALABAMA AVE, SAINT CLOUD, FL 34769-3163 |
| Document Number | 0063560843 |
| Book / Page | 6356 / 843 |
| Map Reference | MB 8 PG 33 |
| Instrument Date | Feb 8, 2023 |
| Instrument | 2023016149 |
| Transaction Type | Transfer |
| Record Updated | Mar 1, 2023 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 706 ALABAMA AVE, SAINT CLOUD, FL 34769-3163 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 706 ALABAMA AVE, SAINT CLOUD, FL 34769-3163 |
Source: Osceola County assessment roll, as of November 26, 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 | $589.00 (+2.26%) Homeowner's exemption | $75,805 (+5.99%) | $232,700 (+14.97%) Land $27,500 Building $205,200 |
| 2024 | $576.00 (+0.7%) | ||
| 2023 | $572.00 (+1.96%) Homeowner's exemption | $71,524 (+3%) | $202,400 (+16.72%) Land $20,000 Building $182,400 |
| 2022 | $561.00 Homeowner's exemption | $69,441 | $173,400 Land $18,000 Building $155,400 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 93% of the US · lower than 94% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% 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.
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