Osceola County property record for 716 Carolina Ave, Saint Cloud, FL 34769
| Property Type | Duplex |
|---|---|
| Details | 4 bd · 4 ba · 2,038 sqft · built 2005 |
| Lot Size | 0.301 acres (13,111 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $29,500 (May 2006) |
| Tax Bill | $2,687 (2025) |
| Deeds & Mortgages | Feb 2022 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-26-30-0001-0063-0070 |
| Primary APN | 01-26-30-0001-0063-0070 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Units | 2 Units |
| Stories | 1 Story |
| Building Area | 2,038 sqft Living Area |
| Gross Area | 2,640 sqft |
| 1st Floor Area | 2,038 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Architectural Style | Duplex Single |
| Exterior Material | Concrete Block |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 13,111 sqft (0.301 acres) |
| Lot Dimensions | 150 ft deep x 87.5 ft wide |
| Garage Area | 240 sqft |
| Porch | Florida Room |
| Porch Area | 602 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 716 CAROLINA AVE |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-3413 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | SR2 |
| Legal Description | ST CLOUD PB B PB 34 BLK 63 LOTS 7-10 LESS S 12.5 FT LOT 10 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 | 7 |
| 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 6, 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 | 716 CAROLINA AVE, SAINT CLOUD, FL 34769-3413 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 19, 2006 · Amount on Record |
| Deed Sale | May 19, 2006 · Amount on Record |
| Prior Sale | Feb 14, 2002 · Amount on Record |
| Deed Document Number | 2006134376 |
| Deed Book / Page | 3163 / 2175 |
| Last Transfer Date | Oct 2, 2025 |
| Transfer Doc | 0000122911 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 716 CAROLINA AVE, SAINT CLOUD, FL 34769-3413 |
| Transaction Type | Mortgage |
| Record Updated | Mar 9, 2022 |
| Name | Verified Name |
|---|---|
| Address | 716 CAROLINA AVE, SAINT CLOUD, FL 34769-3413 |
| Document Number | 0061590716 |
|---|---|
| Date | Feb 28, 2022 |
| Book Page | 6159/716 |
| Instrument | 2022031670 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19801 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 480 Months |
| Due | Feb 15, 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 | $2,687.00 (+3.99%) | $209,462 (+5.99%) | $425,900 (+0.38%) Land $72,800 Building $353,100 |
| 2024 | $2,584.00 (+3.15%) | ||
| 2023 | $2,505.00 (+0.8%) Homeowner's exemption Senior Citizen's exemption Widower's exemption | $197,631 (+3%) | $424,300 (+37.36%) Land $62,400 Building $361,900 |
| 2022 | $2,485.00 Homeowner's exemption Senior Citizen's exemption Widower's exemption | $191,875 | $308,900 Land $54,100 Building $254,800 |
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 66% of the US · lower than 91% 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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