Osceola County property record for 107 15th St, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 988 sqft · built 1982 |
| Lot Size | 0.172 acres (7,492 sqft) |
| Owner | Individual Name on File |
| Last Sale | $18,000 (Nov 2020) |
| Tax Bill | $465 (2025) |
| Deeds & Mortgages | Nov 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-26-30-0001-0292-0015 |
| Primary APN | 01-26-30-0001-0292-0015 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 988 sqft Living Area |
| Gross Area | 1,274 sqft |
| 1st Floor Area | 988 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1982 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Custom Design |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 7,492 sqft (0.172 acres) |
| Lot Dimensions | 100 ft deep x 75 ft wide |
| Garage Type | Attached |
| Garage Area | 220 sqft |
| Parking Spaces | 1 Parking Space |
| Shed | 1 Shed |
| Shed Area | 80 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 107 15TH ST |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-4628 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR2 |
| Legal Description | ST CLOUD PB B PG 34 BLK 292 W 1/2 OF LOTS 1-4 12/26/30 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD 2ND PLAT TOWN OF |
| Legal Tract | 1 |
| Legal Block | 292 |
| Legal Lot Number | 15 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 4 |
| Census Block | 4066 |
| Census Tract | 43500 |
107 15th St is owned and occupied by an individual who bought it in November 2020.
Source: Osceola County records, as of November 26, 2025
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 107 15TH ST, SAINT CLOUD, FL 34769-4628 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 24, 2020 · Amount on File |
| Deed Sale | Nov 24, 2020 · Amount on File |
| Prior Sale | Jun 20, 2000 · Amount on File |
| Deed Document Number | 2020161158 |
| Deed Book / Page | 5839 / 2176 |
| Prior Transfer Date | Nov 9, 2020 |
| Prior Transfer Doc | 0058392176 |
| Record Updated | Jun 8, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Nov 24, 2020 |
| Property Address | 107 15TH ST, SAINT CLOUD, FL 34769-4628 |
| Document Number | 0058392176 |
| Book / Page | 005839 / 002176 |
| Instrument Date | Nov 9, 2020 |
| Instrument | 161158 |
| Transaction Type | Transfer |
| Record Updated | Dec 16, 2020 |
| Title Company | PRIMERA TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Tax | $126.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 107 15TH ST ST CLOUD FL 347694628, ST CLOUD, FL 34769-4628 |
| Document Number | 58392179 |
|---|---|
| Date | Nov 24, 2020 |
| Book Page | 005839/002179 |
| Instrument | 161159 |
| Name | ADDITION FIN'L CU |
|---|---|
| Address | LAKE MARY, FL 32746 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Nov 23, 2050 |
The 2025 property tax bill for 107 15th St was $465 with exemptions applied, up 2.2% from the year before.
Source: Osceola County assessment roll, as of November 26, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $465.00 (+2.2%) Homeowner's exemption Disabled Person's exemption | $69,578 | $185,800 Land $46,800 Building $139,000 |
| 2024 | $455.00 (+1.11%) | ||
| 2023 | $450.00 (-13.63%) Homeowner's exemption Disabled Person's exemption | $65,649 (+3%) | $166,100 (+14.55%) Land $42,500 Building $123,600 |
| 2022 | $521.00 Homeowner's exemption Disabled Person's exemption | $63,737 | $145,000 Land $35,100 Building $109,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 107 15th St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1983.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| 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 risk around 107 15th St is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 97.6% of Florida |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 314 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CenturyLink Fiber | 8,000 / 8,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: AT&T, Blue Stream.
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