1107 16th St, Saint Cloud, FL 34769 Property Records

Osceola County property record for 1107 16th St, Saint Cloud, FL 34769 · Last verified December 2025

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	2 Baths
Year Built	Built 1978
Square Footage	1,044 sqft Heated Area
Lot Size	7,841 sqft (0.18 acres)
Occupancy	Owner Occupied
Last Sale	$48,500 (1989)
Tax Bill	$562.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`79292`
Alternative APN	`012630000103370015`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Partial Baths	1 Partial Baths
Building Area	1,044 sqft Heated Area
Gross Area	1,392 sqft Gross Area
1st Floor	1,044 sqft 1st Floor
Stories	1 Stories
Primary Flooring	Carpet Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 1978
Exterior Material	Concrete Block Exterior
Foundation Type	Footing Foundation
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	7,841 sqft (0.18 acres)
Depth X Width	100 ft x 80 ft Depth x Width
Parking Spaces	1 Parking Spaces
Garage Type	Finished Garage
Garage Area	348 sqft Garage
Fence	Fence
Patio Area	299 sqft Patio

Utilities and HVAC

Cooling System	A/C Package Cooling
Heating System	HVAC Heating

Location & Zoning

Account Number	79292
Street Address	1107 16TH ST
City	SAINT CLOUD
State	FL
Zip	34769-4417
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	ST CLOUD PB B PG 34 BLK 337 W 1/2 LOTS 1-4 & E 1/2 OF VAC ALLEY ABUTTING SAID LOTS 11/26/30
Legal Range	30E
Legal Township	26S
Legal Section	01
Legal Subdivision	ST CLOUD
Legal Tract	1
Legal Block	337
Legal Lot Number	1-4,11 2
Jurisdiction	OSCEOLA FL
Minor Civil Division	ST. CLOUD
Census Blockgroup	2
Census Block	2038
Census Tract	43500

Owner

Source: Osceola County records · APN 79292

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	2 Individual Names on File
Co-owner	Verified Secondary Owner
Mailing Address	1107 16TH ST, SAINT CLOUD, FL 34769-4417
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jan 09, 1989 · Amount on Record
Deed Sale	Jan 09, 1989 · Amount on Record
Deed Doc Number	0000906801
Record Refreshed	Jun 08, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1107 16TH ST, SAINT CLOUD, FL 34769-4417
Transaction Type	Mortgage
Record Updated	Mar 22, 2021
Title Company	MORTGAGE TITLE SERVICES INC, MORTGAGEE TITLE SERVICES INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1107 16TH ST, SAINT CLOUD, FL 34769-4417

Mortgage

Document Number	0059031228
Date	Mar 03, 2021
Book Page	5903/1228
Instrument	2021031371

Lender

Name	ADDITION FINANCIAL CU
Type	Credit Union
Address	LAKE MARY, FL 32746

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	420 Months
Due	Mar 02, 2056

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly (Revolving credit lines are monthly unless stated otherwise).

Tax Assessment & Valuation

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

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	$562.00 (+2.74%) Homeowner's exemption	$70,875 (+5.99%)	$189,800 (+12.98%) Land $46,800 Building $143,000
2023	$547.00 (+2.05%) Homeowner's exemption	$66,872 (+3%)	$168,000 (+12.75%) Land $42,500 Building $125,500
2022	$536.00 Homeowner's exemption	$64,925	$149,000 Land $38,200 Building $110,800

Flood & Wildfire

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

Flood

FEMA Flood Zone	Zone A
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Special Flood Hazard Area	Yes
Flood Insurance Requirement	Required (federally backed mortgages)
Floodway	No
Base Flood Elevation	Not determined for this zone

Wildfire

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.