1016 Tony Cir, Saint Cloud, FL 34772 Property Records

Osceola County property record for 1016 Tony Cir, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,850 sqft · built 1992
Lot Size	0.305 acres (13,286 sqft)
Owner	2 Owner Names on File
Last Sale	$154,400 (Jun 2005)
Tax Bill	$1,429 (2025)
Deeds & Mortgages	Sep 2022 Line of Credit Oct 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`87474`

Property Details

APN / Parcel Number

Primary APN	`87474`
Alternative APN	`232630057100010090`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,850 sqft Heated Area
Gross Area	2,709 sqft
1st Floor Area	1,850 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1992
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	13,286 sqft (0.305 acres)
Lot Dimensions	152 ft deep x 87 ft wide
Garage Type	Finished
Garage Area	464 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Pool Area	36 sqft
Porch	Open Porch
Porch Area	395 sqft
Deck Area	474 sqft
Patio Area	192 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	87474
Street Address	1016 TONY CIR
City	SAINT CLOUD
State	FL
Zip	34772-7309
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 9
Legal Range	30E
Legal Township	26S
Legal Section	23
Legal Subdivision	CANOE CREEK WOODS & CRYSTAL CREEK
Legal Tract	571
Legal Block	1
Legal Lot Number	9
Legal Unit	9P
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1006
Census Tract	43303

Owner

The current owner of 1016 Tony Cir bought it in June 2005.

Source: Osceola County records, as of December 11, 2025

Owner of Record	2 Owner Names on File
Mailing Address	1016 TONY CIR, SAINT CLOUD, FL 34772-7309
Occupancy	Owner Occupied

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

Date	Document
Sep 12, 2022	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA
Oct 12, 2017	Deed of Trust, Mortgage · Line of Credit NATIONAL CITY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 13, 2005 · Amount on File
Deed Sale	Jun 13, 2005 · Amount on File
Prior Sale	Feb 27, 1998 · Amount on File
Deed Document Number	2005134045
Deed Book / Page	2807 / 0405
Record Updated	Jun 8, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1016 TONY CIR, SAINT CLOUD, FL 34772-7309
Transaction Type	Mortgage
Record Updated	Dec 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1016 TONY CIR, SAINT CLOUD, FL 34772-7309

Mortgage

Document Number	0062840257
Date	Sep 12, 2022
Book Page	6284/257
Instrument	2022138212

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	SAINT CLOUD, FL 34772

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	299 Months
Due	Aug 15, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1016 TONY CIR, SAINT CLOUD, FL 34772-7309
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0052230124
Date	Oct 12, 2017
Book Page	5223/0124
Instrument	2017146383

Lender

Name	NATIONAL CITY BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	234 Months
Due	Apr 12, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 1016 Tony Cir was $1,429 with a homeowner's exemption.

Source: Osceola County assessment roll, as of July 1, 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	$1,429.00 Homeowner's exemption	$122,727	$322,100 Land $70,000 Building $252,100
2023	$1,326.00 (+4.74%) Homeowner's exemption	$115,796 (+3%)	$318,400 (+17.66%) Land $60,000 Building $258,400
2022	$1,266.00 Homeowner's exemption	$112,424	$270,600 Land $55,000 Building $215,600

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

Flood

FEMA maps place 1016 Tony Cir in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

Wildfire risk around 1016 Tony Cir is moderate, ranking above 47% of the US, with a 0.08% annual chance of 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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