1025 16th St, Saint Cloud, FL 34769 Property Records

Osceola County property record for 1025 16th St, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,022 sqft · built 1977
Lot Size	0.172 acres (7,492 sqft)
Owner	2 Individual Names on File
Last Sale	$226,000 (May 2021)
Tax Bill	$3,449 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Dec 2023 Mortgage + 3 more
Flood Zone	Zone A (high risk)
APN	`01-26-30-0001-0338-0155`

Property Details

APN / Parcel Number

Primary APN	`01-26-30-0001-0338-0155`
Alternative APNs	`263001000103380155` `79306`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,022 sqft Living Area
Gross Area	1,440 sqft
1st Floor Area	1,022 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1987
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	7,492 sqft (0.172 acres)
Lot Dimensions	75 ft deep x 0.8 ft wide
Garage Type	Carport
Garage Area	253 sqft
Carport	Carport
Carport Area	253 sqft

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	480 sqft
Porch	Finished/Open Porch
Porch Area	77 sqft
Deck Area	312 sqft
Patio Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	1025 16TH ST
City	SAINT CLOUD
State	FL
Zip	34769-4415
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR2
Legal Description	ST CLOUD PB B PG 34 BLK 338 W 75 FT LOTS 15-18 11/26/30
Legal Range	30E
Legal Township	26S
Legal Section	01
Legal Subdivision	ST CLOUD 2ND PLAT TOWN OF
Legal Tract	1
Legal Block	338
Legal Lot Number	155
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	4
Census Block	4090
Census Tract	43500

Owner

1025 16th St is owned and occupied by two individuals who bought it in May 2021.

Source: Osceola County records, as of June 15, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1025 16TH ST, SAINT CLOUD, FL 34769-4415
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Jun 8, 2026	Deed of Trust, Mortgage · FHA Mortgage SECRETARY OF HOUSING AND URBAN DEVELOPMEN
Dec 7, 2023	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
May 31, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FREEDOM MORTGAGE CORP
May 26, 2021	Warranty Deed, Transfer · FHA Mortgage FREEDOM MORTGAGE CORP
Dec 17, 2019	Warranty Deed, Transfer · FHA Mortgage MORTGAGE FIRM

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 26, 2021 · Amount on File
Deed Sale	May 26, 2021 · Amount on File
Prior Sale	Dec 17, 2019 · Amount on File
Deed Document Number	202181995
Deed Book / Page	5967 / 679
Prior Transfer Date	May 16, 1997
Prior Transfer Doc	0014080557
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Recording Date	Jun 8, 2026
Property Address	1025 16TH ST, SAINT CLOUD, FL 34769-4415
Document Number	0000074731
Book / Page	6984 / 236
Instrument Date	Apr 16, 2026
Instrument	202674731
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	FREEDOM MORTGAGE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1025 16TH ST, SAINT CLOUD, FL 34769-4415

Mortgage

Document Number	0000074731,
Date	Jun 8, 2026
Book Page	6984/236
Instrument	202674731

Lender

Name	SECRETARY OF HOUSING AND URBAN DEVELOPMEN

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months

Interest

Rate	6.22%
Max Rate	-1%

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1025 16TH ST, SAINT CLOUD, FL 34769-4415
Transaction Type	Mortgage
Record Updated	Jan 4, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1025 16TH ST, SAINT CLOUD, FL 34769-4415

Mortgage

Document Number	0065150633
Date	Dec 7, 2023
Book Page	6515/633
Instrument	2023159295

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	330 Months
Due	Jun 1, 2051

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1025 16TH ST, SAINT CLOUD, FL 34769-4415
Transaction Type	Mortgage
Record Updated	Jun 16, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1025 16TH ST, SAINT CLOUD, FL 34769-4415

Mortgage

Document Number	0064152878
Date	May 31, 2023
Book Page	6415/2878
Instrument	2023069268

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	337 Months
Due	Jun 1, 2051

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 26, 2021
Property Address	1025 16TH ST, SAINT CLOUD, FL 34769-4415
Document Number	0059670679
Book / Page	5967 / 679
Map Reference	MB B PG 33&34
Instrument Date	May 21, 2021
Instrument	2021081995
Transaction Type	Transfer
Record Updated	Jun 15, 2021
Title Company	QUALITY TITLE AND ESCROW LLC, QUALITY TITLE & ESCROW LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,582.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2626 QUAIL RUN BLVD N, 2626, KISSIMMEE, FL 34744-4092

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1025 16TH ST, SAINT CLOUD, FL 34769-4415

Mortgage

Document Number	5967681
Date	May 26, 2021
Instrument	5967/681

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2051

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 17, 2019
Property Address	1025 16TH ST, SAINT CLOUD, FL 34769-4415
Document Number	0056421333
Book / Page	005642 / 001333
Instrument Date	Nov 26, 2019
Instrument	163708
Transaction Type	Transfer
Record Updated	Jan 10, 2020
Title Company	INFINITY TITLE GROUP

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,330.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1025 16TH ST ST CLOUD FL 347694415, ST CLOUD, FL 34769-4415

Mortgage

Document Number	56421335
Date	Dec 17, 2019
Book Page	005642/001335
Instrument	163709

Lender

Name	MORTGAGE FIRM
Type	Mortgage Company
Address	ALTAMONTE SPRINGS, FL 32714

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 16, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 1025 16th St was $3,449 with a homeowner's exemption, up 3.5% from the year before.

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	$3,449.00 (+3.54%) Homeowner's exemption	$235,581	$263,000 Land $46,800 Building $216,200
2024	$3,331.00 (+2.68%)
2023	$3,244.00 (+3.68%) Homeowner's exemption	$222,274 (+3%)	$239,900 (+11.17%) Land $42,500 Building $197,400
2022	$3,129.00 Homeowner's exemption	$215,800 Land $35,100 Building $180,700	$215,800 Land $35,100 Building $180,700

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

Flood

FEMA maps place 1025 16th St in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 15 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	15 in force
Nearby Flood Claims	2 (1983–2003)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Aug 2003 · tidal / storm surge

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 1025 16th St is moderate, ranking above 40% of the US, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Moderate above 40% of the US · lower than 87% of Florida
Wildfire Likelihood	0.04% annual chance
Exposure	None beyond ember reach

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 309 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	8,000 / 8,000
Spectrum Cable	1,000 / 1,000
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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