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1021 11th St, Saint Cloud, FL 34769 Property Records

Osceola County property record for 1021 11th St, Saint Cloud, FL 34769 · Last verified March 2026

Property Summary

Property TypeSingle Family Home
Details1 ba · 842 sqft · built 1920
Lot Size0.039 acres (1,742 sqft)
OwnerIndividual Name on File
Last Sale$255,000 (Feb 2026)
Tax Bill$1,510 (2025)
Deeds & MortgagesFeb 2026 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN78113

Property Details

APN / Parcel Number

Primary APN78113
Alternative APN
  • 012630000101850225

Interior

Full Baths1 Bath
Stories1 Story
Building Area842 sqft Heated Area
Gross Area1,456 sqft
1st Floor Area570 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1920
Effective Year BuiltEffective 1940
Exterior MaterialAluminum Siding
Foundation TypePier/Post & Beam
Roof TypeGable/Hip
Roof MaterialShingle
Lot Area1,742 sqft (0.039 acres)
Lot Dimensions70 ft deep x 25 ft wide
Garage TypeDetached - Finished
Garage Area486 sqft
Parking Spaces2 Parking Spaces
PorchEnclosed Porch
Porch Area400 sqft
FenceFence

Utilities, Heating & Cooling

Cooling SystemCentral

Location & Zoning

Account Number78113
Street Address1021 11TH ST
CitySAINT CLOUD
StateFL
Zip34769-3703
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionST CLOUD PB B PG 34 BLK 185 W 1/2 LOTS 22 & W 35 FT LOTS 23 & 24 2/26/30
Legal Range30E
Legal Township26S
Legal Section01
Legal SubdivisionST CLOUD
Legal Tract1
Legal Block185
Legal Lot Number2,22-24
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group4
Census Block4017
Census Tract43500

Owner

Source: Osceola County records · APN 78113

Assessment roll updated July 1, 2025 · Last verified March 2026

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

Owner of RecordIndividual Name on File
Co-ownerVerified Secondary Owner
Mailing Address1021 11TH ST, SAINT CLOUD, FL 34769-3703
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleFeb 19, 2026 · Amount on Record
Deed SaleFeb 19, 2026 · Amount on Record
Prior SaleNov 18, 2011 · Amount on Record
Deed Document Number2026024003
Deed Book / Page6926 / 865
Record UpdatedJun 08, 2026

February 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateFeb 19, 2026
Property Address1021 11TH ST, SAINT CLOUD, FL 34769-3703
Document Number0069260865
Book / Page6926 / 865
Map ReferenceMB B PG 33&34
Instrument DateFeb 06, 2026
Instrument2026024003
Transaction TypeTransfer
Record UpdatedJul 01, 2026
Title CompanyINVESTOR TITLE INSURANCE COMPANY, INVESTORS TITLE INSURANCE CO

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,785.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address2486 DATURA LOOP, SAINT CLOUD, FL 34772-7850

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address1021 11TH ST, SAINT CLOUD, FL 34769-3703

Mortgage

Document Number0006926867
DateFeb 19, 2026
Instrument6926/867
Lender
NameUMC MORTGAGE CO
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueMar 01, 2056

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified March 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

YearTax BillAssessed ValueAssessed Market Value
2025$1,510.00 (+19.65%)$87,600 (+19.35%) Land $27,500 Building $60,100$87,600 (+19.35%) Land $27,500 Building $60,100
2023$1,262.00 (+10.6%)$73,400 (+12.4%) Land $20,000 Building $53,400$73,400 (+12.4%) Land $20,000 Building $53,400
2022$1,141.00$65,300 Land $18,000 Building $47,300$65,300 Land $18,000 Building $47,300

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 120970435004, 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 15 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies15 in force
Nearby Flood Claims2 (1983–2003)
Claims Outside the SFHA1 of 2
Most Recent ClaimAug 2003, tidal / storm surge

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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.

Historic Designation

Source: NPS National Register of Historic Places · August 1, 2026 release · Last verified October 2026

Historic DistrictWithin the St. Cloud Downtown Historic District
listed 2023 · 177 contributing resources · NRIS 100009031

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 526 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
Lumen TechnologiesFiber8,000 / 8,000
SpectrumCable1,000 / 1,000
VerizonFixed Wireless300 / 20
AT&TFixed Wireless100 / 20
StarlinkSatellite (low-earth orbit)280 / 30

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

Mobile Coverage

5G and 4G LTE

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