Osceola County property record for 901 Carolina Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,292 sqft · built 1970 |
| Lot Size | 0.21 acres (9,147 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $70,500 (Jun 2002) |
| Tax Bill | $1,227 (2025) |
| Deeds & Mortgages | Feb 2022 Line of Credit Sep 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-26-30-0001-0120-0150 |
| Primary APN | 01-26-30-0001-0120-0150 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,292 sqft Living Area |
| Gross Area | 1,502 sqft |
| 1st Floor Area | 1,292 sqft |
| Flooring | Terrazzo |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1970 |
|---|---|
| Effective Year Built | Effective 1970 |
| Architectural Style | L-Shape |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 9,147 sqft (0.21 acres) |
| Lot Dimensions | 150 ft deep x 60 ft wide |
| Pool Type | In-Ground Pool |
|---|---|
| Pool Area | 510 sqft |
| Porch | Screened/Unfinished Porch |
| Porch Area | 426 sqft |
| Deck Area | 462 sqft |
| Shed | 1 Shed |
| Shed Area | 80 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 901 CAROLINA AVE |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-3416 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR2 |
| Legal Description | ST CLOUD PB B PG 34 BLK 120 ABANDONED RR R/W ABUTTING W 1/2 BLK 120 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 | 120 |
| Legal Lot Number | 15 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 5 |
| Census Block | 5056 |
| Census Tract | 43500 |
901 Carolina Ave is owned and occupied by two individuals who acquired it in October 2024.
Source: Osceola County records, as of March 6, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 901 CAROLINA AVE, SAINT CLOUD, FL 34769-3416 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Feb 25, 2022 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Sep 10, 2019 | Deed of Trust, Mortgage · Conventional with PMI MORTGAGE FIRM |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 3, 2002 · Amount on File |
| Deed Sale | Jun 3, 2002 · Amount on File |
| Deed Book / Page | 2059 / 1074 |
| Last Transfer Date | Oct 30, 2024 |
| Transfer Doc | 0066872829 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 901 CAROLINA AVE, SAINT CLOUD, FL 34769-3416 |
| Transaction Type | Mortgage |
| Record Updated | Aug 1, 2022 |
| Name | Verified Name |
|---|---|
| Address | 901 CAROLINA AVE, SAINT CLOUD, FL 34769-3416 |
| Document Number | 0061582435 |
|---|---|
| Date | Feb 25, 2022 |
| Book Page | 6158/2435 |
| Instrument | 2022031360 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19801 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 480 Months |
| Due | Feb 16, 2062 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 901 CAROLINA AVE, SAINT CLOUD, FL 34769-3416 |
| Document Number | 0055900336 |
| Instrument Date | Sep 10, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Sep 27, 2019 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 901 CAROLINA AVE ST CLOUD FL 347693416, ST CLOUD, FL 34769-3416 |
| Document Number | 0055900336 |
|---|---|
| Date | Sep 16, 2019 |
| Book Page | 005590/000336 |
| Instrument | 119089 |
| Name | MORTGAGE FIRM |
|---|---|
| Type | Mortgage Company |
| Address | ALTAMONTE SPRINGS, FL 32714 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 15, 2049 |
The 2025 property tax bill for 901 Carolina Ave was $1,227, up 4.2% from the year before.
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 | $1,227.00 (+4.16%) | $111,456 | $277,300 Land $55,000 Building $222,300 |
| 2024 | $1,178.00 (+3.79%) | ||
| 2023 | $1,135.00 (+10.19%) Homeowner's exemption | $105,161 (+5.91%) | $246,900 (+17.4%) Land $50,000 Building $196,900 |
| 2022 | $1,030.00 Homeowner's exemption | $99,292 | $210,300 Land $45,000 Building $165,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 901 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 Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File 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.
Wildfire risk around 901 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 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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