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817 Alabama Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 817 Alabama Ave, Saint Cloud, FL 34769 · Last verified July 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 1.5 ba · 1,145 sqft · built 1971
Lot Size0.172 acres (7,492 sqft)
Owner2 Individual Names on File
Last Sale$340,000 (Sep 2023)
Tax Bill$3,376 (2025)
Deeds & MortgagesSep 2023 Sale & Mortgage
Jul 2021 Transfer
Flood ZoneZone X (minimal risk)
APN01-26-30-0001-0093-0150

Property Details

APN / Parcel Number

Primary APN01-26-30-0001-0093-0150
Alternative APNs
  • 263001000100930150
  • 77359

Interior

Bedrooms3 Beds
Full Baths1.5 Baths
Half Baths1 Half Bath
Stories1 Story
Building Area1,145 sqft Living Area
Gross Area1,332 sqft
1st Floor Area936 sqft
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1971
Effective Year BuiltEffective 1980
Architectural StyleCustom Design
Exterior MaterialConcrete Block
Construction TypeMasonry / Concrete Block
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area7,492 sqft (0.172 acres)
Lot Dimensions150 ft deep x 0.5 ft wide

Exterior Amenities

Pool TypeIn-Ground Pool
Pool Area450 sqft
PorchSlab
Porch Area330 sqft
Deck Area512 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address817 ALABAMA AVE
CitySAINT CLOUD
StateFL
Zip34769-3529
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionST CLOUD PB B PG 33-34 BLK 93 LOTS 15 & 16 3/26/30
Legal Range30E
Legal Township26S
Legal Section01
Legal SubdivisionST CLOUD 2ND PLAT TOWN OF
Legal Tract1
Legal Block93
Legal Lot Number15
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group3
Census Block3063
Census Tract43400

Owner

Source: Osceola County records · APN 01-26-30-0001-0093-0150

Assessment roll updated November 26, 2025 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address817 ALABAMA AVE, SAINT CLOUD, FL 34769-3529
OccupancyOwner Occupied
Owner TypeIndividual
VestingMarried Couple

Deeds, Mortgages & Sale History

DateDocument
Sep 06, 2023Warranty Deed, Transfer · FHA Mortgage
CARDINAL FINANCIAL COMPANY LP
Jul 27, 2021Correction Deed
FIDELITY NATIONAL TITLE, FIDELITY NATL TTL OF FL INC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleSep 06, 2023 · Amount on Record
Deed SaleSep 06, 2023 · Amount on Record
Prior SaleDec 16, 2014 · Amount on Record
Deed Document Number2023116797
Deed Book / Page6469 / 923
Prior Transfer DateJul 23, 2021
Prior Transfer Doc0060101076
Record UpdatedSep 20, 2026

September 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateSep 06, 2023
Property Address817 ALABAMA AVE, SAINT CLOUD, FL 34769-3529
Document Number0064690923
Book / Page6469 / 923
Map ReferenceMB B PG 33&34
Instrument DateAug 29, 2023
Instrument2023116797
Transaction TypeTransfer
Record UpdatedSep 28, 2023
Title CompanyLAND TITLE CORPORATION, LAND TITLE PROFESSIONALS LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,380.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address4780 PRESERVE BLVD, SAINT CLOUD, FL 34772-7085

Transferred To (Grantee/Buyer)

NameVerified Name
Address817 ALABAMA AVE, SAINT CLOUD, FL 34769-3529

Mortgage

Document Number0006469925
DateSep 06, 2023
Instrument6469/925
Lender
NameCARDINAL FINANCIAL COMPANY LP
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueOct 01, 2053

July 2021: Correction Deed

Document TypeCorrection Deed
JurisdictionOSCEOLA FL
Recording DateJul 27, 2021
Property Address817 ALABAMA AVE, SAINT CLOUD, FL 34769-3529
Document Number0060101076
Book / Page6010 / 1076
Map ReferenceMB B PG 33&34
Instrument DateJul 23, 2021
Instrument2021115945
Record UpdatedAug 11, 2021
Title CompanyFIDELITY NATIONAL TITLE, FIDELITY NATL TTL OF FL INC

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address817 ALABAMA AVE, SAINT CLOUD, FL 34769-3529

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified July 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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.

YearTax BillAssessed ValueAssessed Market Value
2025$3,376.00 (+2.43%)$231,500 (+131.37%) Land $46,800 Building $184,700$231,500 (+13.54%) Land $46,800 Building $184,700
2024$3,296.00 (+82,3%)
2023$4.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption$100,058 (+3%)$203,900 (+17.45%) Land $42,500 Building $161,400
2022$4.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption$97,144$173,600 Land $35,100 Building $138,500

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970434003, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 98 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies110 units insured
12 under condo master policies
Nearby Flood Claims24 (1994–2022)
Claims Outside the SFHA3 of 24
Most Recent ClaimSep 2022, river or lake flooding, Hurricane Ian
Claims By Storm
  • Hurricane Ian, Sep 2022 · 4 claims
  • Hurricane Ian, Sep 2022 · 2 claims
  • Hurricane Frances, Sep 2004 · 3 claims

Wildfire

Wildfire RiskLow
above 7% of the US · above 6% of Florida
Wildfire LikelihoodAbout 1 in 4,545 per year
ExposureDirect
burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 439 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
Lumen TechnologiesFiber8,000 / 8,000
SpectrumCable1,000 / 1,000
VerizonFixed Wireless300 / 20
StarlinkSatellite (low-earth orbit)280 / 30

May also be available at this address: Hotwire Communications. Availability varies by address; speeds are provider-advertised maximums, not measured.

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