1201 Hancock Cir, Saint Cloud, FL 34769 Property Records

Osceola County property record for 1201 Hancock Cir, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,901 sqft · built 1996
Lot Size	0.258 acres (11,282 sqft)
Owner	2 Individual Names on Record
Last Sale	$225,000 (Aug 2018)
Tax Bill	$3,258 (2025)
Deeds & Mortgages	Apr 2023 Line of Credit Aug 2018 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`82316`

Property Details

APN / Parcel Number

Primary APN	`82316`
Alternative APN	`042630041000010010`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,901 sqft Heated Area
Gross Area	2,535 sqft
1st Floor Area	1,707 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 2001
Exterior Material	Vinyl
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	11,282 sqft (0.258 acres)
Lot Dimensions	144 ft deep x 100 ft wide
Garage Type	Finished
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Enclosed Porch
Porch Area	387 sqft
Patio Area	577 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	82316
Street Address	1201 HANCOCK CIR
City	SAINT CLOUD
State	FL
Zip	34769-6768
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SPUD
Legal Description	PALAMAR OAKS VILLAGE PHS 3 PB 6 PG 9-10 LOT 1
Legal Range	30E
Legal Township	26S
Legal Section	04
Legal Subdivision	PALAMAR OAKS VILLAGE
Legal Tract	410
Legal Block	1
Legal Lot Number	1
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1000
Census Tract	43208

Owner

Source: Osceola County records, as of December 11, 2025

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 Record
Mailing Address	1201 HANCOCK CIR, SAINT CLOUD, FL 34769-6768
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 13, 2023	Deed of Trust, Mortgage · Line of Credit REGIONS BANK
Aug 9, 2018	Warranty Deed, Transfer · Conventional with PMI OTHER INSTITUTIONAL LENDERS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 9, 2018 · Amount on Record
Deed Sale	Aug 9, 2018 · Amount on Record
Prior Sale	Sep 2, 2016 · Amount on Record
Deed Document Number	2018121674
Deed Book / Page	5382 / 0870
Record Updated	Jun 8, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1201 HANCOCK CIR, SAINT CLOUD, FL 34769-6768
Transaction Type	Mortgage
Record Updated	Apr 27, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1201 HANCOCK CIR, SAINT CLOUD, FL 34769-6768

Mortgage

Document Number	0063870297
Date	Apr 13, 2023
Book Page	6387/297
Instrument	2023042331

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35244

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Apr 24, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 9, 2018
Property Address	1201 HANCOCK CIR, SAINT CLOUD, FL 34769-6768
Document Number	0053820870
Book / Page	005382 / 000870
Instrument Date	Aug 8, 2018
Instrument	121674
Transaction Type	Transfer
Record Updated	Aug 29, 2018
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,575.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1201 HANCOCK CIR ST CLOUD FL 347696768, ST CLOUD, FL 34769-6768

Mortgage

Document Number	53820871
Date	Aug 9, 2018
Book Page	005382/000871
Instrument	121675

Lender

Name	OTHER INSTITUTIONAL LENDERS
Type	Bank
Address	ORLANDO, FL 32801

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Aug 8, 2048

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,258.00 (+6.37%) Homeowner's exemption	$224,950 (+5.99%)	$358,100 (+3.47%) Land $65,000 Building $293,100
2023	$3,063.00 (+3.69%) Homeowner's exemption	$212,244 (+3%)	$346,100 (+26.87%) Land $60,000 Building $286,100
2022	$2,954.00 Homeowner's exemption	$206,063	$272,800 Land $55,000 Building $217,800

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 29 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	35 units insured incl. 6 condo units

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ST. CLOUD, CITY OF (3 WPS) serves 82,752 people · EPA ID FL3491373
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	2 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 350 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Starlink Satellite	280 / 30
CenturyLink DSL · Fiber in parts of the area	140 / 20

May also be available: Hotwire Communications, T-Mobile, Verizon.

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