1120 16th St, Saint Cloud, FL 34769 Property Records

Osceola County property record for 1120 16th St, Saint Cloud, FL 34769 · Last verified December 2025

Property Summary

Property Type	Multi-Family Dwellings
Details	4 bd · 4 ba · 1,984 sqft · built 1986
Lot Size	0.239 acres (10,454 sqft)
Owner	Individual Name on File
Last Sale	$360,000 (Apr 2023)
Tax Bill	$4,063 (2025)
Deeds & Mortgages	Apr 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`79007`

Property Details

APN / Parcel Number

Primary APN	`79007`
Alternative APN	`012630000103020130`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Units	2 Units
Building Area	1,984 sqft Heated Area
Gross Area	2,720 sqft Gross Area
1st Floor Area	1,984 sqft 1st Floor
Stories	1 Story
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1986
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,454 sqft (0.239 acres)
Lot Dimensions	140 ft deep x 75 ft wide
Parking Spaces	2 Parking Spaces
Garage Type	Finished
Garage Area	384 sqft Garage

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	79007
Street Address	1120 16TH ST
City	SAINT CLOUD
State	FL
Zip	34769-4456
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Legal Description	ST CLOUD PB B PG 34 BLK 302 LOTS 13-15 11/26/30
Legal Range	30E
Legal Township	26S
Legal Section	01
Legal Subdivision	ST CLOUD MULTIFAM SOUTH
Legal Tract	1
Legal Block	302
Legal Lot Number	13 14
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2037
Census Tract	43500

Owner

Source: Osceola County records · APN 79007

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
Mailing Address	1120 16TH ST, SAINT CLOUD, FL 34769-4456
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 28, 2023 · Amount on Record
Deed Sale	Apr 28, 2023 · Amount on Record
Prior Sale	Feb 02, 1998 · Amount on Record
Deed Document Number	2023052551
Deed Book / Page	6397 / 566
Record Updated	Jun 08, 2026

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 28, 2023
Property Address	1120 16TH ST, SAINT CLOUD, FL 34769-4456
Document Number	0063970566
Book / Page	6397 / 566
Map Reference	MB B PG 33
Instrument Date	Apr 27, 2023
Instrument	2023052551
Transaction Type	Transfer
Record Updated	May 23, 2023
Title Company	STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,520.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 701322, SAINT CLOUD, FL 34770-1322

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1120 16TH ST, SAINT CLOUD, FL 34769-4456

Mortgage

Document Number	0063970568
Date	Apr 28, 2023
Book Page	6397/568
Instrument	2023052552

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 01, 2053

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	$4,063.00 (+7.52%) Homeowner's exemption Widower's exemption	$274,700 (+1.59%) Land $60,000 Building $214,700	$274,700 (+1.59%) Land $60,000 Building $214,700
2023	$3,779.00 (+17.25%)	$270,400 (+30.82%) Land $52,000 Building $218,400	$270,400 (+30.82%) Land $52,000 Building $218,400
2022	$3,223.00	$206,700 Land $52,000 Building $154,700	$206,700 Land $52,000 Building $154,700

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 X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No
Nearest Special Flood Hazard Area	Zone A, within 100 ft

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.