Home on 0.3 acres near Saint Cloud, Osceola County
401 Chestnut St, Saint Cloud, FL 34769 · Parcel 042630090000010080
County roll Jan 1, 2026 · Map data Oct 28, 2026
At a glance
- BuildZoning R-1: rules not on file · 1 building already on the lot
- GroundNo FEMA flood zone or wetlands mapped · public sewer
- AccessFronts a public road · 209 ft of frontage on Ponderosa Dr
- NearbyOff-water vacant lots, St Cloud east / US-192 / Canoe Creek: $121k a lot median, 52 sales
- Home2,996 sq ft · built 1973
- Acres0.3
- Land typeHomeSingle-family home
- ZoningR-1Rural development one
- Future land useLDRLow density residential
- Flood zoneXMinimal flood hazard
- WetlandsNone mappedNational Wetlands Inventory
Land facts
From public records and official maps, each with its source and date.
- City limitsInside the City of St. Cloud: city zoning and permits applySt. Cloud zoning map · Oct 2026
- Urban service areaIn urban service areaOsceola County's urban service boundary · Oct 2026
- Section, township, rangeSection 4, Township 26 South, Range 30 East, Tallahassee MeridianOsceola County parcel number · 2026 roll
- Impact feesSet by St. Cloud fee schedule · Jun 2025
- SewerConnected (City of St. Cloud)FL DOH Water Management Inventory (2016)
- WaterPublic (City of St. Cloud)FL DOH Water Management Inventory (2016)
- SoilsWauchula fine sandSoils rate very limited for septic · USDA soil survey (SSURGO) · Oct 2026
- Ground elevationAbout 67–70 ft above sea level; average slope 2.2%USGS 3DEP 1/3 arc-second (about 10 m), NAVD88; about ±1–2 ft · Oct 2026
- HighwaysUS 192 is 0.3 mi away and Florida's Turnpike exit 242 is 1.2 mi away, in a straight lineOpenStreetMap roads · Oct 2026
- Evacuation and surgeNot in an evacuation zone or a storm surge zoneFDEM Know Your Zone evacuation zones · Sep 2026; FDEM storm surge zones (SRES) · May 2022
- Design wind speed138 mphNIST WindMaps ASCE 7-22 Risk Category II (FBC 2023) via Palm Beach County GIS · Dec 2023
- Just value per acre$1.22M an acreJust value $366k over 0.3 acres · 2026 roll
Legal description and record
- Parcel number042630090000010080Florida DOR tax roll
- Legal descriptionPINE LAKE ESTATES UNIT 1 LOT 8Florida DOR tax roll · 2026 roll · the roll keeps 30 characters; the deed has it all
- SubdivisionLot 8 of Pine Lake Estates Unit 1From the legal
- Lot dimensionsSides 139, 126, 95 and 57 ft · about 13,180 sq ftCounty parcel map outline · Oct 2026
Services and surroundings
What serves the area around this parcel, from federal and state maps. Area facts, not a survey of the lot.
- USDA home loan areaOutside the eligible areasHousehold income limits also apply. USDA Rural Development map, edited Jul 2023.
- Electric service areaReedy Creek Improvement District or Duke Energy Florida, LLCThe mapped territories overlap here. An approximate map: confirm with the utility. Federal HIFLD map, 2025 copy.
- Well depth nearbyMedian 205 ft (middle half 175–260 ft)From 16 household well logs within 2 mi, drilled 2023–2026; water level 22 ft below ground. Area figures, not this parcel. St. Johns River Water Management District well reports.
- Public land nearbyCivic Center Complex, 0.6 miCity land, open to the public. 43 acres. Being nearby does not give access or hunting rights. USGS protected areas map (PAD-US 4.1).
School district
Public federal records, each with its source and date.
- School districtOsceola County School DistrictGrades pre-K–12 · NCES EDGE school district boundaries, school year 2024–25 (Census TIGER 2025 lines), released Mar 2026. A district, not an assigned school
District details at NCES: Osceola County School District
Free account: this parcel’s sale history
St. CloudLand prices, flood and zoning$82.3kan acre, 2-year median10,139vacant parcels26%in a FEMA flood zoneRoad access
- Has road access OpenStreetMap roads
- Road frontage
- 209 ft on Ponderosa Dr
Home facts
Florida Department of Revenue tax roll · 2026
- Building type
- Single-family
- Bedrooms and bathrooms
- Not on Florida's statewide tax roll
- Living area
- 2,996 sq ft
- Year built
- 1973
Property tax
Florida Department of Revenue tax roll and millage rates (Data Book), as of Nov 2025
- Property tax (2025)
- At least $3,920 Taxable value $240,136 for school levies and $214,414 for other levies on the 2025 roll, after the homestead exemption
Pay or check a bill at the Osceola County Tax Collector.
Hazards
FEMA National Risk Index for this census tract, not this parcel. As of Dec 2025.
- Strong wind
- Very high
- Lightning
- Very high
- Tornado
- Relatively high
- Hurricane
- Relatively moderate
- Heat wave
- Relatively low
- Earthquake
- Very low
- Landslide
- Very low
Recorded flood claims
OpenFEMA NFIP Redacted Claims v3, as of Sep 2026
- Claims since 1978
- Fewer than 10 Insured buildings in this census tract
Value history
| Year | Land | Improvements | Just value | Change |
|---|---|---|---|---|
| 2026 (preliminary) | $65,000 | $301,400 | $366,400 | -2.5% |
| 2025 | $65,000 | $310,800 | $375,800 | -4.9% |
Roll values set for property tax · Florida Department of Revenue tax roll (NAL) · 2026
Vacant land prices nearby
$121k per lot
Median of 52 sales of off-water vacant lots, Oct 2023–May 2026
Sales area: St Cloud east / US-192 / Canoe Creek
| Land type | Median | Middle half |
|---|---|---|
| Off-water vacant lots | $121k/lot | $65k–$133k |
| Other vacant land | $15.9k/ac | $9,830–$40k |
| Acreage | $27.1k/ac | $8,800–$83.5k |
| Platted lots | $65k/lot | $40k–$145k |
Nearby
Neighborhood (Census)
Census ACS 2020–2024 5-year, as of Jan 2026
- Median household income
- $76,678 ± $16,420 · census tract (block group sample too small)
- Median home value (owner-reported)
- $308,100 ± $82,405
- Median rent (gross)
- $1,565 ± $589
- Homes lived in by their owners
- 64% ± 16 pts
- Median year homes were built
- 2000 ± 7 yr
- Average commute (one way)
- 40 min ± 14 min · census tract (not published for block groups)
- Population
- 4,308 ± 1,183
Figures for the census block group around this parcel (a few hundred homes), not this property. This product uses Census Bureau data but is not endorsed or certified by the Census Bureau.
Nearby homes
- 403 Chestnut StHome, 0.32 acresunder 0.1 mi
- 500 Ponderosa DrHome, 0.33 acresunder 0.1 mi
- 501 Ponderosa DrHome, 0.33 acresunder 0.1 mi
- 502 Ponderosa DrHome, 0.31 acresunder 0.1 mi
- 405 Chestnut StHome, 0.42 acresunder 0.1 mi
- 400 Chestnut StHome, 0.32 acresunder 0.1 mi
Sources & methodSources, dates and how the estimates are tested
Property tax
A minimum: the county-wide and city rates the state publishes times the roll's taxable value. The bill also carries the levies this figure leaves out; the county's bill is the official figure. Excludes levies on part of the county (fire, library and other special districts, unincorporated-area MSTUs) and non-ad valorem assessments.
Property tax · Due dates
Florida 2026 taxes: bills go out about November 1, with a 4% discount if paid in November; due by March 31, 2027.
Sources: Florida Statutes 197.162, 197.333, 197.222 and 194.011. Checked Oct 13, 2026.
Hazards
Ratings come from FEMA's National Risk Index (v1.20, planning-level) and the public federal and state maps named on each row, not a private climate model. FEMA rates each census tract from expected annual losses, community resilience and social vulnerability, for planning; it is not an assessment of this parcel.
Recorded flood claims
Insured buildings near this parcel, not the parcel itself. FEMA counts claims on buildings with NFIP flood insurance, so land that never had an insured building has no claims to count. The count is the parcel's census block group when it has 10 or more, else its tract's; a count under 10 prints as "Fewer than 10". Source: OpenFEMA NFIP Redacted Claims v3.
Neighborhood (Census)
± is the Census 90% margin of error; a figure comes from the larger census tract when the block group's sample is too small.
0.3-acre improved parcel in St Cloud east / US-192 / Canoe Creek, Osceola County: zoned R-1, FEMA zone X, no mapped wetlands; off-water vacant lots in St Cloud east / US-192 / Canoe Creek sold for a median of $120k per lot (52 sales, Oct 2023–May 2026). Map data as of Oct 28, 2026.
Land prices
Latest arm's-length sale per vacant parcel (lots of half to twice this lot's size, priced per lot), last three years.
Sources
Public county records: the tax roll, GIS zoning and land use, FEMA flood zones and USFWS wetlands. Map data as of Oct 28, 2026.
Parcel outline
The outline and its edge lengths are measured on the county parcel map the map draws; the aerial loads from the public imagery named under it.
Record
Public records can be wrong; check before you act.
Parcel: 042630090000010080
Coordinates: 28.2476° N, 81.3161° W
Estimates for your own analysis, not an appraisal or a broker price opinion.
Owners
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