1109 Craig Ct, Saint Cloud, FL 34772 Property Records

Osceola County property record for 1109 Craig Ct, Saint Cloud, FL 34772 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,861 sqft · built 1992
Lot Size	0.258 acres (11,238 sqft)
Owner	2 Individual Names on File
Last Sale	$125,000 (Jun 2012)
Tax Bill	$1,757 (2025)
Deeds & Mortgages	Oct 2022 Line of Credit Jul 2017 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`23-26-30-0572-0001-0050`

Property Details

APN / Parcel Number

Primary APN	`23-26-30-0572-0001-0050`
Alternative APNs	`263023057200010050` `87508`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,861 sqft Living Area
Gross Area	2,671 sqft
1st Floor Area	1,861 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1997
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	11,238 sqft (0.258 acres)
Lot Dimensions	150 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Porch	Florida Room
Porch Area	330 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	1109 CRAIG CT
City	SAINT CLOUD
State	FL
Zip	34772-7308
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CANOE CREEK WOODS UNIT 10 PB 7 PG 38 LOT 5
Legal Range	30E
Legal Township	26S
Legal Section	23
Legal Subdivision	CANOE CREEK WOODS UNIT 10
Legal Tract	572
Legal Block	50
Legal Lot Number	5
Legal Unit	10
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1000
Census Tract	43303

Owner

Source: Osceola County records · APN 23-26-30-0572-0001-0050

Assessment roll updated November 26, 2025 · Last verified April 2026

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
Mailing Address	1109 CRAIG CT, SAINT CLOUD, FL 34772-7308
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Oct 07, 2022	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Jul 26, 2017	Deed of Trust, Mortgage · Line of Credit COMMUNITY CU OF FLORIDA
Nov 27, 2019	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Nov 06, 2020	Deed of Trust, Mortgage · Line of Credit PNC BANK NA

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 18, 2012 · Amount on Record
Deed Sale	Jun 18, 2012 · Amount on Record
Prior Sale	Feb 14, 2001 · Amount on Record
Deed Document Number	201291927
Deed Book / Page	4285 / 465
Last Transfer Date	Apr 17, 2024
Transfer Doc	0065851050
Record Updated	Jun 08, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1109 CRAIG CT, SAINT CLOUD, FL 34772-7308
Transaction Type	Mortgage
Record Updated	Oct 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1109 CRAIG CT, SAINT CLOUD, FL 34772-7308

Mortgage

Document Number	0062960487
Date	Oct 07, 2022
Book Page	6296/487
Instrument	2022149085

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Oct 12, 2062

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1109 CRAIG CT, SAINT CLOUD, FL 34772-7308
Transaction Type	Mortgage
Record Updated	Feb 05, 2021
Title Company	LANDMARK TITLE AGENCY INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0051841431
Date	Jul 26, 2017
Book Page	5184/1431
Instrument	2017108080

Lender

Name	COMMUNITY CU OF FLORIDA
Type	Credit Union
Address	ROCKLEDGE, FL 32955

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 25, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1109 CRAIG CT, SAINT CLOUD, FL 34772-7308
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0056310308
Date	Nov 27, 2019
Book Page	5631/0308
Instrument	2019154552

Lender

Name	PNC BANK NA
Type	Bank
Address	PITTSBURGH, PA 15222

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Nov 03, 2049

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1109 CRAIG CT, SAINT CLOUD, FL 34772-7308
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1109 CRAIG C, SAINT CLOUD, FL 34772-7308

Mortgage

Document Number	0058281292
Date	Nov 06, 2020
Book Page	5828/1292
Instrument	2020151966

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	479 Months
Due	Oct 25, 2060

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 2026

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	$1,757.00 (+3.9%)	$141,047 (+5.99%)	$327,700 (+0.43%) Land $70,000 Building $257,700
2024	$1,691.00 (+3.3%)
2023	$1,637.00 Homeowner's exemption	$133,080	$326,300 Land $60,000 Building $266,300

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970433031, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Cost	Premium on Record median of 133 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	133 in force
Nearby Flood Claims	1 (2017)
Most Recent Claim	Sep 2017, river or lake flooding, Hurricane Irma

Wildfire

Wildfire Risk	Moderate above 61% of the US · above 35% of Florida
Wildfire Likelihood	About 1 in 637 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 351 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
AT&T	Fiber	5,000 / 5,000
Spectrum	Cable	1,000 / 35

May also be available at this address: Xfinity. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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