1005 Tony Cir, Saint Cloud, FL 34772 Property Records

Osceola County property record for 1005 Tony Cir, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,580 sqft · built 1992
Lot Size	0.229 acres (9,975 sqft)
Owner	2 Individual Names on Record
Last Sale	$345,000 (Feb 2026)
Tax Bill	$4,879 (2025)
Deeds & Mortgages	Apr 2026 Sale Feb 2026 Sale + 3 more
Flood Zone	Zone X (minimal risk)
APN	`23-26-30-0571-0001-0320`

Property Details

APN / Parcel Number

Primary APN	`23-26-30-0571-0001-0320`
Alternative APNs	`263023057100010320` `87500`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,580 sqft Living Area
Gross Area	2,382 sqft
1st Floor Area	1,580 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Architectural Style	Conventional
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,975 sqft (0.229 acres)
Lot Dimensions	133 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Florida Room
Porch Area	340 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	1005 TONY CIR
City	SAINT CLOUD
State	FL
Zip	34772-7310
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR1A
Legal Description	CANOE CREEK WOODS UNIT 9 PB 7 PGS 39-40 LOT 32
Legal Range	30E
Legal Township	26S
Legal Section	23
Legal Subdivision	CANOE CREEK WOODS UNIT 9
Legal Tract	571
Legal Block	320
Legal Lot Number	32
Legal Unit	9P
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1026
Census Tract	43303

Owner

Source: Osceola County records, as of April 21, 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	1005 TONY CIR, SAINT CLOUD, FL 34772-7310
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Apr 13, 2026	Deed, Transfer C AND J TITLE, C & C TITLE
Feb 20, 2026	Warranty Deed, Transfer CK TITLE AGENCY INC, C&C TITLE AGENCY INC
Jan 6, 2023	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC
Jul 19, 2022	Warranty Deed, Transfer FIRST INTERNATIONAL TITLE, FIRST INTERNATIONAL TTL INC
Nov 19, 2018	Deed of Trust, Mortgage · Commercial Mortgage SUNTRUST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 20, 2026 · Amount on Record
Deed Sale	Feb 20, 2026 · Amount on Record
Prior Sale	Jan 6, 2023 · Amount on Record
Deed Document Number	202624780
Deed Book / Page	6927 / 291
Prior Transfer Date	Feb 17, 2026
Prior Transfer Doc	0000048974
Record Updated	Oct 29, 2026

April 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 13, 2026
Property Address	1005 TONY CIR, SAINT CLOUD, FL 34772-7310
Document Number	0000048974
Book / Page	6954 / 1751
Instrument Date	Feb 17, 2026
Instrument	202648974
Transaction Type	Transfer
Record Updated	Aug 27, 2026
Title Company	C AND J TITLE, C & C TITLE

Transaction

Amount	Amount Recorded
Tax	$70.70
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	1005 TONY CIR, SAINT CLOUD, FL 34772-7310

February 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 20, 2026
Property Address	1005 TONY CIR, SAINT CLOUD, FL 34772-7310
Document Number	0069270291
Book / Page	6927 / 291
Map Reference	MB 7 PG 39&40
Instrument Date	Feb 13, 2026
Instrument	2026024780
Transaction Type	Transfer
Record Updated	Mar 4, 2026
Title Company	CK TITLE AGENCY INC, C&C TITLE AGENCY INC

Transaction

Amount	Amount Recorded
Tax	$2,415.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1920 CAROLYN CT, SAINT CLOUD, FL 34769-5504

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1005 TONY CIR, SAINT CLOUD, FL 34772-7310

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 6, 2023
Property Address	1005 TONY CIR, SAINT CLOUD, FL 34772-7310
Document Number	0063411040
Book / Page	6341 / 1040
Map Reference	MB 7 PG 39&40
Instrument Date	Jan 5, 2023
Instrument	2023002459
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	ORLANDO TITLE PROFESSIONALS LL, LAND TITLE PROFESSIONALS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,555.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2796 SILVERTHORNE TRL, SAINT CLOUD, FL 34772-7833

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1005 TONY CIR, SAINT CLOUD, FL 34772-7310

Mortgage

Document Number	0063411042
Date	Jan 6, 2023
Instrument	6341/1042

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2053

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 19, 2022
Property Address	1005 TONY CIR, SAINT CLOUD, FL 34772-7310
Document Number	0062531457
Book / Page	6253 / 1457
Map Reference	MB 7 PG 39&40
Instrument Date	Jul 15, 2022
Instrument	2022110567
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	FIRST INTERNATIONAL TITLE, FIRST INTERNATIONAL TTL INC

Transaction

Amount	Amount Recorded
Tax	$1,890.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1005 TONY CIR, SAINT CLOUD, FL 34772-7310

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2796 SILVERTHORNE TRL, SAINT CLOUD, FL 34772-7833

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1005 TONY CIR, SAINT CLOUD, FL 34772-7310
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0054351083
Date	Nov 19, 2018
Book Page	5435/1083
Instrument	2018170216

Lender

Name	SUNTRUST BANK
Type	Bank
Address	ORLANDO, FL 32809

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Municipality	St. Cloud City
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,879.00 (+204.37%)	$272,400 (+1.08%) Land $70,000 Building $202,400	$272,400 (+1.08%) Land $70,000 Building $202,400
2024	$1,603.00 (-67%)
2023	$4,857.00 (+28.87%)	$269,500 (+18.36%) Land $60,000 Building $209,500	$269,500 (+18.36%) Land $60,000 Building $209,500
2022	$3,769.00	$227,700 Land $55,000 Building $172,700	$227,700 Land $55,000 Building $172,700

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

Flood

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 133 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	133 in force
Nearby Flood Claims	1 (2017)
Most Recent Claim	Sep 2017 · Hurricane Irma

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 47% of the US · lower than 82% of Florida
Wildfire Likelihood	0.08% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 351 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 35

May also be available: Xfinity.

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