12 E 17th St, Saint Cloud, FL 34769 Property Records

Osceola County property record for 12 E 17th St, Saint Cloud, FL 34769 · Last verified May 2026

Property Highlights

Property Type	Residential > Multi-Unit > Duplex
Bedrooms	4 Beds
Bathrooms	4 Baths
Architecture Style	Custom Design
Year Built	Built 1987
Square Footage	1,680 sqft Living Area
Lot Size	11,586 sqft (0.266 acres)
Last Sale	$230,000 (2020)
Tax Bill	$4,288.00 (2024)

Property Details

APN / Parcel Number

Primary APN	`12-26-30-0725-0001-0291`
Alternative APNs	`263012072500010291` `84479`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Units	2 Units
Building Area	1,680 sqft Living Area
Gross Area	1,890 sqft Gross Area
1st Floor	1,680 sqft 1st Floor
Stories	1 Stories
Primary Flooring	Carpet Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Architectural Style	Custom Design Style
Exterior Material	Concrete Block Exterior
Construction Type	Masonry/Concrete Masonry Units (CMUs) Construction
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	11,586 sqft (0.266 acres)
Depth X Width	90 ft x 128 ft Depth x Width
Shed	1 Shed
Shed Area	200 sqft Shed
Porch Area	154 sqft Porch

Utilities and HVAC

Cooling System	HVAC Cooling
Heating System	Central Heating

Location & Zoning

Street Address	12 E 17TH ST
City	SAINT CLOUD
State	FL
Zip	34769-4700
Property Usage	Residential Property Usage
Type	Residential > Multi-Unit > Duplex
Legal Description	SL & IC PB B PG 3 FROM NW COR LOT 29, S 200 FT, E 128.5 FT TO POB; E 128.5 FT, S 90 FT, W 128.5 FT, N 90 FT TO POB
Legal Range	30E
Legal Township	26S
Legal Section	12
Legal Subdivision	S L & I C TOWN OF ST CLOUD
Legal Tract	725
Legal Block	1
Legal Lot Number	29
Jurisdiction	OSCEOLA FL
Minor Civil Division	ST. CLOUD
Census Blockgroup	2
Census Block	2004
Census Tract	43303

Owner

Source: Osceola County records · APN 12-26-30-0725-0001-0291

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

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	3574 KAISER AVE, SAINT CLOUD, FL 34772-7328
Owner Type	Owner is a Company

Deeds, Mortgages & Sale History

Date	Document
Jan 22, 2020	Warranty Deed, Transfer · Line of Credit CENTENNIAL BANK
Apr 09, 2018	Warranty Deed, Transfer · Commercial Mortgage FLORIDA COMMUNITY LOAN FUND INC
Apr 09, 2018	Warranty Deed, Transfer FLORIDA CMNTY LN FND

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jan 22, 2020 · Amount on Record
Deed Sale	Jan 22, 2020 · Amount on Record
Prior Sale	Apr 09, 2018 · Amount on Record
Deed Doc Number	202011072
Deed Book / Page	5662 / 739
Record Refreshed	Jun 08, 2026

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 22, 2020
Property Address	12 E 17TH ST, SAINT CLOUD, FL 34769-4700
Document Number	0056620739
Book / Page	5662 / 0739
Instrument Date	Jan 22, 2020
Instrument	2020011072
Transaction Type	Transfer
Record Updated	Feb 08, 2022
Title Company	STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,610.00
Amount Accuracy	Full Amount Stated
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3800 5TH ST, 3800, SAINT CLOUD, FL 34769-2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3574 KAISER AVE, SAINT CLOUD, FL 34772-7328

Mortgage

Document Number	0056620740
Date	Jan 22, 2020
Instrument	5662/0740

Lender

Name	CENTENNIAL BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Jan 22, 2025

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 09, 2018
Property Address	12 E 17TH ST, SAINT CLOUD, FL 34769-4700
Document Number	0053131741
Book / Page	5313 / 1741
Map Reference	MB B PG3
Instrument Date	Apr 06, 2018
Instrument	2018054989
Transaction Type	Transfer
Record Updated	Feb 08, 2022
Title Company	STEWART TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,120.00
Amount Accuracy	Full Amount Stated
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2175 BRONCO DR, 2175, SAINT CLOUD, FL 34771-9561

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3800 5TH ST, SAINT CLOUD, FL 34769-2024

Mortgage

Document Number	0053131742
Date	Apr 09, 2018
Book Page	5313/1742
Instrument	2018054990

Lender

Name	FLORIDA COMMUNITY LOAN FUND INC
Type	Non-Lending Institution
Address	ORLANDO, FL 32801

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	83 Months
Due	Mar 30, 2025

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 09, 2018
Property Address	12 E 17TH ST, SAINT CLOUD, FL 34769-4700
Document Number	0053131697
Book / Page	005313 / 001697
Instrument Date	Apr 06, 2018
Instrument	54964
Transaction Type	Transfer
Record Updated	May 22, 2018
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,120.00
Amount Accuracy	Confirmed
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3800 5TH ST ST CLOUD FL 347692024, ST CLOUD, FL 34769-2024

Mortgage

Document Number	53131698
Date	Apr 09, 2018
Book Page	005313/001698
Instrument	54965

Lender

Name	FLORIDA CMNTY LN FND
Type	Funding / Finance Company
Address	ORLANDO, FL 32801

Agreement

Amount	Amount Recorded
Term	84 Months
Due	Apr 08, 2025

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified May 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	$4,559.00 (+6.32%)	$293,200 (+1.52%) Land $60,000 Building $233,200	$293,200 (+1.52%) Land $60,000 Building $233,200
2024	$4,288.00 (+5.72%)
2023	$4,056.00 (+17.36%)	$288,800 (+31.33%) Land $52,000 Building $236,800	$288,800 (+31.33%) Land $52,000 Building $236,800
2022	$3,456.00	$219,900 Land $52,000 Building $167,900	$219,900 Land $52,000 Building $167,900

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 500 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.

12 E 17th St, Saint Cloud, FL 34769 Property Records

Property Highlights

Property Details

APN / Parcel Number

Interior

Exterior

Utilities and HVAC

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

January 2020: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

April 2018: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

April 2018: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood & Wildfire

Flood

Wildfire

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