Osceola County property record for 109 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 | 1,240 sqft Heated Area |
| Lot Size | 7,405 sqft (0.169 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $203,000 (2019) |
| Tax Bill | $2,373.00 (2025) |
| Primary APN | 77995 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,240 sqft Heated Area |
| Gross Area | 1,866 sqft Gross Area |
| 1st Floor Area | 1,240 sqft 1st Floor |
| Stories | 1 Story |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 7,405 sqft (0.169 acres) |
| Lot Dimensions | 100 ft deep x 75 ft wide |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Finished |
| Garage Area | 440 sqft Garage |
| Fence | Fence |
|---|---|
| Shed | 1 Shed |
| Shed Area | 80 sqft Shed |
| Porch | Open Porch |
| Porch Area | 186 sqft Porch |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 77995 |
|---|---|
| Street Address | 109 10TH ST |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-3448 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ST CLOUD PB B PG 34 BLK 173 W 1/2 LOTS 1-4 1/26/30 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD |
| Legal Tract | 1 |
| Legal Block | 173 |
| Legal Lot Number | 1-4 2 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 5 |
| Census Block | 5061 |
| Census Tract | 43500 |
Source: Osceola County records · APN 77995
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 |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 109 10TH ST, SAINT CLOUD, FL 34769-3448 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 21, 2022 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Jun 04, 2019 | Warranty Deed, Transfer · FHA Mortgage AMERIFIRST FINANCIAL CORP |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 04, 2019 · Amount on Record |
| Deed Sale | Jun 04, 2019 · Amount on Record |
| Prior Sale | Oct 01, 2003 · Amount on Record |
| Deed Document Number | 2019071713 |
| Deed Book / Page | 5535 / 0352 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 109 10TH ST, SAINT CLOUD, FL 34769-3448 |
| Transaction Type | Mortgage |
| Record Updated | May 02, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0061341136 |
|---|---|
| Date | Jan 21, 2022 |
| Book Page | 6134/1136 |
| Instrument | 2022011799 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jun 04, 2019 |
| Property Address | 109 10TH ST, SAINT CLOUD, FL 34769-3448 |
| Document Number | 0055350352 |
| Book / Page | 5535 / 0352 |
| Map Reference | MB B PG 33 |
| Instrument Date | May 03, 2019 |
| Instrument | 2019071713 |
| Transaction Type | Transfer |
| Record Updated | May 02, 2022 |
| Title Company | STEWART TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,421.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 163 JACARANDA DR, 163, LEESBURG, FL 34748-8840 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 109 10TH ST, SAINT CLOUD, FL 34769-3448 |
| Document Number | 0005535353 |
|---|---|
| Date | Jun 04, 2019 |
| Instrument | 5535/353 |
| Name | AMERIFIRST FINANCIAL CORP |
|---|---|
| Type | Funding / Finance Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 01, 2049 |
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 and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,373.00 (+6.8%) Homeowner's exemption | $175,468 (+5.99%) | $272,900 (+12.12%) Land $46,800 Building $226,100 |
| 2023 | $2,222.00 (+3.98%) Homeowner's exemption | $165,557 (+3%) | $243,400 (+18.1%) Land $42,500 Building $200,900 |
| 2022 | $2,137.00 Homeowner's exemption | $160,735 | $206,100 Land $35,100 Building $171,000 |
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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