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722 Carolina Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 722 Carolina Ave, Saint Cloud, FL 34769

Property Summary

Property TypeSingle Family Home
Details3 bd · 1 ba · 1,404 sqft · built 1958
Lot Size0.215 acres (9,365 sqft)
Owner2 Individual Names on File
Tax Bill$2,259 (2025)
Deeds & MortgagesOct 2022 Line of Credit
May 2021 Mortgage
+ 6 more
Flood ZoneZone X (minimal risk)
APN01-26-30-0001-0063-0110

Property Details

APN / Parcel Number

Primary APN01-26-30-0001-0063-0110
Alternative APNs
  • 263001000100630110
  • 77083

Interior

Bedrooms3 Beds
Full Baths1 Bath
Stories1 Story
Building Area1,404 sqft Living Area
Gross Area2,748 sqft
1st Floor Area988 sqft
FlooringTerrazzo
Interior WallsPlaster

Exterior

Year BuiltBuilt 1958
Effective Year BuiltEffective 1975
Architectural StyleConventional
Exterior MaterialConcrete Block
Construction TypeMasonry / Concrete Block
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area9,365 sqft (0.215 acres)
Lot Dimensions150 ft deep x 62.5 ft wide
Garage TypeDetached
Garage Area600 sqft
Parking Spaces5 Parking Spaces

Exterior Amenities

PorchFlorida Room
Porch Area783 sqft
Shed1 Shed
Shed Area80 sqft

Utilities, Heating & Cooling

Cooling SystemWall Unit
Heating SystemHVAC

Location & Zoning

Street Address722 CAROLINA AVE
CitySAINT CLOUD
StateFL
Zip34769-3413
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeSR2
Legal DescriptionST CLOUD PB B PG 34 BLK 63 LOTS 11, 12 + S 12.5 FT LOT 10 1/26/30
Legal Range30E
Legal Township26S
Legal Section01
Legal SubdivisionST CLOUD 2ND PLAT TOWN OF
Legal Tract1
Legal Block63
Legal Lot Number11
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group5
Census Block5048
Census Tract43500

Owner

722 Carolina Ave is owned and occupied by two individuals who acquired it in May 2021.

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

Owner of Record2 Individual Names on File
Mailing Address722 CAROLINA AVE, SAINT CLOUD, FL 34769-3413
OccupancyOwner Occupied
Owner TypeIndividual

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

DateDocument
Oct 14, 2022Deed of Trust, Mortgage · Line of Credit
ADDITION FINANCIAL CU
May 27, 2021Intrafamily Transfer, Transfer · FHA Mortgage
CALIBER HOME LOANS INC
Nov 7, 2019Warranty Deed, Transfer · FHA Mortgage
THE MORTGAGE FIRM INC
Nov 7, 2019Warranty Deed, Transfer
LAND TITLE CORPORATION, LAND TITLE PROFESSIONALS INC
Nov 7, 2019Warranty Deed, Transfer · FHA Mortgage
MORTGAGE FIRM
Nov 7, 2019Warranty Deed, Transfer
LAND TITLE CORPORATION, LAND TITLE PROFESSIONALS INC
Nov 7, 2019Warranty Deed, Transfer
LAND TITLE CORPORATION, LAND TITLE PROFESSIONALS INC
Nov 7, 2019Warranty Deed, Transfer
LAND TITLE CORPORATION, LAND TITLE PROFESSIONALS INC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMay 27, 2021
Deed SaleMay 27, 2021
Prior SaleNov 7, 2019 · Amount on File
Deed Document Number202183146
Deed Book / Page5968 / 1550
Prior Transfer DateMay 21, 2021
Prior Transfer Doc0059681550
Record UpdatedJun 8, 2026

October 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address722 CAROLINA AVE, SAINT CLOUD, FL 34769-3413
Transaction TypeMortgage
Record UpdatedOct 25, 2022
Title CompanyPRIMERA TITLE LLC

Transferred To (Grantee/Buyer)

NameVerified Name
Address722 CAROLINA AVE, SAINT CLOUD, FL 34769-3413

Mortgage

Document Number0062992544
DateOct 14, 2022
Book Page6299/2544
Instrument2022152863
Lender
NameADDITION FINANCIAL CU
TypeCredit Union
AddressLAKE MARY, FL 32746
Agreement
TypeLine of Credit
AmountAmount on Record
Term420 Months
DueOct 13, 2057
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

May 2021: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionOSCEOLA FL
Recording DateMay 27, 2021
Property Address722 CAROLINA AVE, SAINT CLOUD, FL 34769-3413
Document Number0059681550
Book / Page5968 / 1550
Map ReferenceMB B PG 33&34
Instrument DateMay 21, 2021
Instrument2021083146
Transaction TypeTransfer
Record UpdatedJun 15, 2021
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address722 CAROLINA AVE, SAINT CLOUD, FL 34769-3413

Mortgage

Document Number59681552
DateMay 27, 2021
Instrument5968/1552
Lender
NameCALIBER HOME LOANS INC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term361 Months
DueJun 1, 2051

November 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateNov 7, 2019
Property Address722 CAROLINA AVE, SAINT CLOUD, FL 34769-3413
Document Number0056201977
Book / Page5620 / 1977
Map ReferenceMB B PG 33&34
Instrument DateNov 6, 2019
Instrument2019145786
Transaction TypeTransfer
Record UpdatedMay 2, 2022
Title CompanyLAND TITLE PROFESSIONALS LLC

Transaction

AmountAmount on Record
Tax$262.50
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address4500 SE 28TH ST, 4500, DEL CITY, OK 73115-3324

Transferred To (Grantee/Buyer)

NameVerified Name
Address722 CAROLINA AVE, SAINT CLOUD, FL 34769-3413

Mortgage

Document Number0056201987
DateNov 7, 2019
Instrument5620/1987
Lender
NameTHE MORTGAGE FIRM INC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term361 Months
DueDec 1, 2049

November 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateNov 7, 2019
Property Address722 CAROLINA AVE, SAINT CLOUD, FL 34769-3413
Document Number0056201979
Book / Page005620 / 001979
Instrument DateNov 6, 2019
Instrument145787
Transaction TypeTransfer
Record UpdatedNov 29, 2019
Title CompanyLAND TITLE CORPORATION, LAND TITLE PROFESSIONALS INC

Transaction

AmountAmount on Record
Tax$262.50
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address722 CAROLINA AVE ST CLOUD FL 347693413, ST CLOUD, FL 34769-3413

November 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateNov 7, 2019
Property Address722 CAROLINA AVE, SAINT CLOUD, FL 34769-3413
Document Number0056201985
Book / Page005620 / 001985
Instrument DateNov 6, 2019
Instrument145790
Transaction TypeTransfer
Record UpdatedNov 28, 2019
Title CompanyLAND TITLE CORPORATION, LAND TITLE PROFESSIONALS INC

Transaction

AmountAmount on Record
Tax$262.50
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address722 CAROLINA AVE ST CLOUD FL 347693413, ST CLOUD, FL 34769-3413

Mortgage

Document Number56201987
DateNov 7, 2019
Book Page005620/001987
Instrument145791
Lender
NameMORTGAGE FIRM
TypeMortgage Company
AddressALTAMONTE SPRINGS, FL 32714
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term360 Months
DueNov 6, 2049

November 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateNov 7, 2019
Property Address722 CAROLINA AVE, SAINT CLOUD, FL 34769-3413
Document Number0056201981
Book / Page005620 / 001981
Instrument DateNov 6, 2019
Instrument145788
Transaction TypeTransfer
Record UpdatedNov 29, 2019
Title CompanyLAND TITLE CORPORATION, LAND TITLE PROFESSIONALS INC

Transaction

AmountAmount on Record
Tax$262.50
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address722 CAROLINA AVE ST CLOUD FL 347693413, ST CLOUD, FL 34769-3413

November 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateNov 7, 2019
Property Address722 CAROLINA AVE, SAINT CLOUD, FL 34769-3413
Document Number0056201975
Book / Page005620 / 001975
Instrument DateNov 6, 2019
Instrument145785
Transaction TypeTransfer
Record UpdatedNov 29, 2019
Title CompanyLAND TITLE CORPORATION, LAND TITLE PROFESSIONALS INC

Transaction

AmountAmount on Record
Tax$262.50
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address722 CAROLINA AVE ST CLOUD FL 347693413, ST CLOUD, FL 34769-3413

November 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateNov 7, 2019
Property Address722 CAROLINA AVE, SAINT CLOUD, FL 34769-3413
Document Number0056201983
Book / Page005620 / 001983
Instrument DateNov 6, 2019
Instrument145789
Transaction TypeTransfer
Record UpdatedDec 5, 2019
Title CompanyLAND TITLE CORPORATION, LAND TITLE PROFESSIONALS INC

Transaction

AmountAmount on Record
Tax$262.50
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address722 CAROLINA AVE ST CLOUD FL 347693413, ST CLOUD, FL 34769-3413

Tax Assessment & Valuation

The 2025 property tax bill for 722 Carolina Ave was $2,259 with a homeowner's exemption, up 3.8% from the year before.

Source: Osceola County assessment roll, as of November 26, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$2,259.00 (+3.77%) Homeowner's exemption$169,083$245,500 Land $55,000 Building $190,500
2024$2,177.00 (+2.98%)
2023$2,114.00 (+4.04%) Homeowner's exemption$159,533 (+3%)$217,600 (+12.45%) Land $50,000 Building $167,600
2022$2,032.00 Homeowner's exemption$154,887$193,500 Land $45,000 Building $148,500

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

Flood

FEMA maps place 722 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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 51 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies51 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 722 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 RiskLow
lower than 66% of the US · lower than 91% of Florida
Wildfire Likelihood0.02% annual chance
ExposureNone
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 SystemST. CLOUD, CITY OF (3 WPS)
serves 82,752 people · EPA ID FL3491373
Water SourceGroundwater
Last State InspectionJul 2025
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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

ProviderMax 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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