Osceola County property record for 1045 E 10th St, Saint Cloud, FL 34769 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 2000 |
| Square Footage | 1,823 sqft Heated Area |
| Lot Size | 17,337 sqft (0.398 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $415,000 (2022) |
| Tax Bill | $5,583.00 (2025) |
| Primary APN | 96299 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,823 sqft Heated Area |
| Gross Area | 2,491 sqft Gross Area |
| 1st Floor | 1,823 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2000 |
|---|---|
| Exterior Material | Concrete Block Exterior |
| Foundation Type | Footing Foundation |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 17,337 sqft (0.398 acres) |
| Depth X Width | 231 ft x 75 ft Depth x Width |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Finished Garage |
| Garage Area | 440 sqft Garage |
| Fence | Fence |
|---|---|
| Shed | 1 Shed |
| Shed Area | 160 sqft Shed |
| Porch | Open Porch |
| Porch Area | 228 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Account Number | 96299 |
|---|---|
| Old Parcel Number | 062631519800010030 |
| Street Address | 1045 E 10TH ST |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-3916 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | THOMPSON TRACTS PB 11 PG 60 LOT 3 |
| Legal Range | 31E |
| Legal Township | 26S |
| Legal Section | 06 |
| Legal Subdivision | ARROWHEAD CNTRY EST |
| Legal Tract | PB |
| Legal Block | 1 |
| Legal Lot Number | 3 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 2 |
| Census Block | 2042 |
| Census Tract | 43600 |
Source: Osceola County records · APN 96299
Assessment roll updated July 1, 2025 · Last verified December 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1045 E 10TH ST, SAINT CLOUD, FL 34769-3916 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Dec 22, 2022 | Warranty Deed, Subdivision Related Transfer · Federal Housing Administration (FHA) Mortgage ROCKET MORTGAGE LLC |
| Jun 09, 2022 | Warranty Deed, Transfer MAGNOLIA TITLE |
| Oct 09, 2020 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage WELLS FARGO BANK NA |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Dec 22, 2022 · Amount on Record |
| Deed Sale | Dec 22, 2022 · Amount on Record |
| Prior Sale | Jun 09, 2022 · Amount on Record |
| Deed Doc Number | 2022183622 |
| Deed Book / Page | 6334 / 2235 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Dec 22, 2022 |
| Property Address | 1045 E 10TH ST, SAINT CLOUD, FL 34769-3916 |
| Document Number | 0063342235 |
| Book / Page | 6334 / 2235 |
| Map Reference | MB 11 PG 60 |
| Instrument Date | Dec 20, 2022 |
| Instrument | 2022183622 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Aug 03, 2023 |
| Title Company | MAGNOLIA TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,905.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1110 PENNSYLVANIA AVE, SAINT CLOUD, FL 34769-3750 |
| Name | Verified Name |
|---|---|
| Address | 1045 E 10TH ST, SAINT CLOUD, FL 34769-3916 |
| Document Number | 0063342236 |
|---|---|
| Date | Dec 22, 2022 |
| Instrument | 6334/2236 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jun 09, 2022 |
| Property Address | 1045 E 10TH ST, SAINT CLOUD, FL 34769-3916 |
| Document Number | 0062300391 |
| Book / Page | 6230 / 391 |
| Map Reference | MB 11 PG 60 |
| Instrument Date | Jun 09, 2022 |
| Instrument | 2022090419 |
| Transaction Type | Transfer |
| Record Updated | Aug 03, 2023 |
| Title Company | MAGNOLIA TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,750.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 31320 ORANGE AVE, FORT PIERCE, FL 34945-4332 |
| Name | Verified Name |
|---|---|
| Address | 1112 PENNSYLVANIA AVE, SAINT CLOUD, FL 34769-3750 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1045 E 10TH ST, SAINT CLOUD, FL 34769-3916 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | FIRST AMERICAN TITLE CO |
| Name | Verified Name |
|---|---|
| Address | 1045 E 10TH ST, SAINT CLOUD, FL 34769-3916 |
| Document Number | 0058090963 |
|---|---|
| Date | Oct 09, 2020 |
| Book Page | 5809/963 |
| Instrument | 2020135719 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | DES MOINES, IA 50328 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 228 Months |
| Due | Oct 01, 2039 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,583.00 (+1.71%) Homeowner's exemption | $354,800 (+16.48%) Land $71,200 Building $283,600 | $354,800 (+16.48%) Land $71,200 Building $283,600 |
| 2023 | $5,489.00 (+336.67%) | $304,600 (+172.2%) Land $49,400 Building $255,200 | $304,600 (+26.71%) Land $49,400 Building $255,200 |
| 2022 | $1,257.00 Homeowner's exemption | $111,902 | $240,400 Land $49,400 Building $191,000 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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