Osceola County property record for 708 Carolina Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,008 sqft · built 1998 |
| Lot Size | 0.258 acres (11,238 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $535 (2025) |
| Deeds & Mortgages | Mar 2026 Transfer Dec 2022 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-26-30-0001-0063-0040 |
| Primary APN | 01-26-30-0001-0063-0040 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,008 sqft Living Area |
| Gross Area | 1,056 sqft |
| 1st Floor Area | 1,008 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| Architectural Style | Custom Design |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 11,238 sqft (0.258 acres) |
| Lot Dimensions | 150 ft deep x 75 ft wide |
| Garage Area | 240 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Finished/Open Porch |
|---|---|
| Porch Area | 48 sqft |
| Shed | 1 Shed |
| Shed Area | 240 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 708 CAROLINA AVE |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-3413 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR2 |
| Legal Description | ST CLOUD PB B PG 34 BLK 63 LOTS 4, 5 & 6 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 | 63 |
| Legal Lot Number | 4 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 5 |
| Census Block | 5048 |
| Census Tract | 43500 |
Source: Osceola County records, as of March 27, 2026
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 Record |
|---|---|
| Mailing Address | 708 CAROLINA AVE, SAINT CLOUD, FL 34769-3413 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
| Date | Document |
|---|---|
| Mar 13, 2026 | Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION |
| Dec 5, 2022 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Mar 5, 2026 |
| Transfer Doc | 0069362353 |
| Record Updated | Jun 8, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Mar 13, 2026 |
| Property Address | 708 CAROLINA AVE, SAINT CLOUD, FL 34769-3413 |
| Document Number | 0069362353 |
| Book / Page | 6936 / 2353 |
| Map Reference | MB B PG 33&34 |
| Instrument Date | Mar 5, 2026 |
| Instrument | 2026033148 |
| Transaction Type | Transfer |
| Record Updated | Mar 26, 2026 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 708 CAROLINA AVE, SAINT CLOUD, FL 34769-3413 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 2607 TULANE DR, COCOA, FL 32926-5752 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 708 CAROLINA AVE, SAINT CLOUD, FL 34769-3413 |
| Transaction Type | Mortgage |
| Record Updated | Dec 21, 2022 |
| Name | Verified Name |
|---|---|
| Address | 708 CAROLINA AVE, SAINT CLOUD, FL 34769-3413 |
| Document Number | 0063241300 |
|---|---|
| Date | Dec 5, 2022 |
| Book Page | 6324/1300 |
| Instrument | 2022174197 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19801 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 479 Months |
| Due | Nov 23, 2062 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | $535.00 (+6.79%) Homeowner's exemption Senior Citizen's exemption | $84,437 (+5.99%) | $230,100 (+11.97%) Land $55,000 Building $175,100 |
| 2024 | $501.00 (+7.28%) | ||
| 2023 | $467.00 (+9.62%) Homeowner's exemption Senior Citizen's exemption | $79,668 (+3%) | $205,500 (+15.71%) Land $50,000 Building $155,500 |
| 2022 | $426.00 Homeowner's exemption Senior Citizen's exemption | $77,348 | $177,600 Land $45,000 Building $132,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 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 |
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