Osceola County property record for 1109 10th St, Saint Cloud, FL 34769 · Last verified December 2025
| Property Type | Commercial > Retail > Retail Stores (Personal Services, Photography, Travel) |
|---|---|
| Year Built | Built 2001 |
| Square Footage | 2,250 sqft Heated Area |
| Lot Size | 3,049 sqft (0.069 acres) |
| Last Sale | $360,000 (2022) |
| Tax Bill | $3,067.00 (2025) |
| Primary APN | 77905 |
|---|---|
| Alternative APN |
|
| Plumbing Fixtures | 6 Plumbing Fixtures |
|---|---|
| Total Rooms | 6 Rooms |
| Building Area | 2,250 sqft Heated Area |
| Gross Area | 2,622 sqft Gross Area |
| 1st Floor | 2,250 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Tile Flooring |
| Interior Structure | Paneling Interior Structure |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 2001 |
| Exterior Material | Brick Exterior |
| Fire Resistance Class | Buildings having exterior walls built of a non-combustible material such as brick, concrete, block or poured concrete. Interior partitions and roof structure are built of combustible materials. Floor may be concrete or wood frame. |
| Foundation Type | Footing Foundation |
| Roof Construction | Rigid Frame Bar Joint Roof Construction |
| Roof Material | Builtup (layered Asphalt) Roof |
| Lot Area | 3,049 sqft (0.069 acres) |
| Lot Width | 44 ft Width |
| Fence | Fence |
| Canopy Area | 180 sqft Canopy |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Account Number | 77905 |
|---|---|
| Street Address | 1109 10TH ST |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-3323 |
| Property Usage | Commercial Property Usage |
| Type | Commercial > Retail > Retail Stores (Personal Services, Photography, Travel) |
| Legal Description | ST CLOUD PB B PG 34 BLK 163, W 44 FT 4 IN OF LOTS 1-3 LESS S 3 FT OF LOT 3 & LESS E 12 FT 11 IN OF S 8 FT LOT 3 2/26/30 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD DOWNTOWN BUSINESS DISTRICT |
| Legal Tract | 1 |
| Legal Block | 163 |
| Legal Lot Number | 1-3 2 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 2 |
| Census Block | 2007 |
| Census Tract | 43500 |
Source: Osceola County records · APN 77905
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 | Company Name on File |
|---|---|
| Mailing Address | 6950 STABLE CT, SAINT CLOUD, FL 34771-9529 |
| Owner Type | Owner is a Company |
| Date | Document |
|---|---|
| Apr 27, 2022 | Warranty Deed, Transfer · Line of Credit FIRST FEDERAL BANK |
| Apr 27, 2017 | Deed of Trust, Mortgage · Line of Credit CITIZENS BK/FL |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Apr 27, 2022 · Amount on Record |
| Deed Sale | Apr 27, 2022 · Amount on Record |
| Prior Sale | Mar 11, 2008 · Amount on Record |
| Deed Doc Number | 2022066599 |
| Deed Book / Page | 6202 / 1559 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Apr 27, 2022 |
| Property Address | 1109 10TH ST, SAINT CLOUD, FL 34769-3323 |
| Document Number | 0062021559 |
| Book / Page | 6202 / 1559 |
| Map Reference | MB B PG 33&34 |
| Instrument Date | Apr 26, 2022 |
| Instrument | 2022066599 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2022 |
| Title Company | STEWART TITLE COMPANY-F, STEWART TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,520.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1700 GWIN CT, 1700, MOBILE, AL 36695-6041 |
| Name | Verified Name |
|---|---|
| Address | 6950 STABLE CT, SAINT CLOUD, FL 34771-9529 |
| Document Number | 0062021560 |
|---|---|
| Date | Apr 27, 2022 |
| Instrument | 6202/1560 |
| Name | FIRST FEDERAL BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1109 10TH ST, SAINT CLOUD, FL 34769-3323 |
| Document Number | 0051390280 |
| Book / Page | 005139 / 000280 |
| Instrument Date | Apr 27, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jun 26, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 1109 10TH ST #B ST CLOUD FL 347693323, B, ST CLOUD, FL 34769-3323 |
| Document Number | 0051390280 |
|---|---|
| Date | Apr 27, 2017 |
| Book Page | 005139/000280 |
| Instrument | 62761 |
| Name | CITIZENS BK/FL |
|---|---|
| Type | Bank |
| Address | OVIEDO, FL 32765 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 36 Months |
| Due | Apr 26, 2020 |
| Rate Type | Adjustable Rate |
|---|
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 is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,067.00 (+26.84%) | $192,500 (+43.34%) Land $29,800 Building $162,700 | $192,500 (+43.34%) Land $29,800 Building $162,700 |
| 2023 | $2,418.00 (+13.36%) | $134,300 (+13.43%) Land $24,800 Building $109,500 | $134,300 (+13.43%) Land $24,800 Building $109,500 |
| 2022 | $2,133.00 | $118,400 Land $20,700 Building $97,700 | $118,400 Land $20,700 Building $97,700 |
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.
Source: NPS National Register of Historic Places · August 1, 2026 release · Last verified October 2026
| Historic District | Within the St. Cloud Downtown Historic District listed 2023 · 177 contributing resources · NRIS 100009031 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
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