Osceola County property record for 120 15th St, Saint Cloud, FL 34769 · Last verified December 2025
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,670 sqft · built 1975 |
| Lot Size | 0.169 acres (7,405 sqft) |
| Owner | Individual Name on File |
| Last Sale | $210,000 (Jan 2019) |
| Tax Bill | $2,003 (2025) |
| Deeds & Mortgages | May 2023 Mortgage Nov 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 78888 |
| Primary APN | 78888 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,670 sqft Heated Area |
| Gross Area | 1,790 sqft |
| 1st Floor Area | 1,026 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1975 |
|---|---|
| Effective Year Built | Effective 1980 |
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 7,405 sqft (0.169 acres) |
| Lot Dimensions | 150 ft deep x 50 ft wide |
| Garage Type | Carport |
| Carport | Carport |
| Porch | Enclosed Porch |
|---|---|
| Porch Area | 764 sqft |
| Fence | Fence |
| Shed | 1 Shed |
| Shed Area | 192 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 78888 |
|---|---|
| Street Address | 120 15TH ST |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-4629 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ST CLOUD PB B PG 34 BLK 289 LOTS 13 THRU 16 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD |
| Legal Tract | 1 |
| Legal Block | 289 |
| Legal Lot Number | 13-16 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 4 |
| Census Block | 4051 |
| Census Tract | 43500 |
Source: Osceola County records · APN 78888
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 | 120 15TH ST, SAINT CLOUD, FL 34769-4629 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 18, 2023 | Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC |
| Nov 23, 2020 | Deed of Trust, Mortgage · VA Mortgage QUICKEN LOANS LLC |
| Jan 31, 2019 | Warranty Deed, Transfer · VA Mortgage QUICKEN LNS |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jan 31, 2019 · Amount on Record |
| Deed Sale | Jan 31, 2019 · Amount on Record |
| Prior Sale | Apr 28, 2016 · Amount on Record |
| Deed Document Number | 2019012413 |
| Deed Book / Page | 5470 / 0597 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 120 15TH ST, SAINT CLOUD, FL 34769-4629 |
| Transaction Type | Mortgage |
| Record Updated | Jun 05, 2023 |
| Name | Verified Name |
|---|---|
| Address | 120 15TH ST, SAINT CLOUD, FL 34769-4629 |
| Document Number | 0064091637 |
|---|---|
| Date | May 18, 2023 |
| Book Page | 6409/1637 |
| Instrument | 2023063841 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 120 15TH ST, SAINT CLOUD, FL 34769-4629 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0058380338 |
|---|---|
| Date | Nov 23, 2020 |
| Book Page | 5838/338 |
| Instrument | 2020159961 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jan 31, 2019 |
| Property Address | 120 15TH ST, SAINT CLOUD, FL 34769-4629 |
| Document Number | 0054700597 |
| Book / Page | 005470 / 000597 |
| Instrument Date | Jan 28, 2019 |
| Instrument | 12413 |
| Transaction Type | Transfer |
| Record Updated | Dec 09, 2019 |
| Title Company | CORE TITLE SERVICES LLC, CORE TITLE SVCS LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,470.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 120 15TH ST ST CLOUD FL 347694629, ST CLOUD, FL 34769-4629 |
| Document Number | 54700599 |
|---|---|
| Date | Jan 31, 2019 |
| Book Page | 005470/000599 |
| Instrument | 12414 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 30, 2049 |
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 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 | $2,003.00 (+7%) Homeowner's exemption | $154,831 (+5.99%) | $219,100 (+12.3%) Land $63,200 Building $155,900 |
| 2023 | $1,872.00 (+4.23%) Homeowner's exemption | $146,086 (+3%) | $195,100 (+12.13%) Land $57,500 Building $137,600 |
| 2022 | $1,796.00 Homeowner's exemption | $141,832 | $174,000 Land $51,800 Building $122,200 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970435004, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Flood Insurance Cost | Premium on Record median of 15 individual NFIP policies nearby |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 15 in force |
| Nearby Flood Claims | 2 (1983–2003) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Aug 2003, tidal / storm surge |
| 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; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 314 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Lumen Technologies | Fiber | 8,000 / 8,000 |
| Spectrum | Cable | 1,000 / 1,000 |
| Verizon | Fixed Wireless | 300 / 20 |
| T-Mobile USA | Fixed Wireless | 100 / 20 |
| Starlink | Satellite (low-earth orbit) | 280 / 30 |
May also be available at this address: AT&T, TPC ACC Acquisition, Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.
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