Osceola County property record for 1213 Hancock Cir, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,048 sqft · built 1994 |
| Lot Size | 0.318 acres (13,852 sqft) |
| Owner | Individual Name on File |
| Last Sale | $449,900 (Aug 2022) |
| Tax Bill | $6,302 (2025) |
| Deeds & Mortgages | May 2023 Mortgage Dec 2022 Transfer + 2 more |
| Flood Zone | Zone AE (high risk) |
| APN | 04-26-30-0410-0001-0040 |
| Primary APN | 04-26-30-0410-0001-0040 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,048 sqft Living Area |
| Gross Area | 3,183 sqft |
| 1st Floor Area | 1,096 sqft |
| Upper Floors Area | 952 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1994 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum Siding |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 13,852 sqft (0.318 acres) |
| Lot Dimensions | 185 ft deep x 79 ft wide |
| Garage Type | Attached |
| Garage Area | 488 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | In-Ground Pool |
|---|---|
| Pool Area | 450 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 295 sqft |
| Deck Area | 506 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Central |
| Street Address | 1213 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 4 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 04 |
| Legal Subdivision | PALAMAR OAKS VLG PH 3 |
| Legal Tract | 410 |
| Legal Block | 40 |
| Legal Lot Number | 4 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 43208 |
Source: Osceola County records · APN 04-26-30-0410-0001-0040
Assessment roll updated November 26, 2025 · Last verified August 2026
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 | 1213 HANCOCK CIR, SAINT CLOUD, FL 34769-6768 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single Woman |
| Date | Document |
|---|---|
| May 17, 2023 | Deed of Trust, Mortgage · Commercial Mortgage VAL CHRIS INCESTMENTS INC |
| Dec 21, 2022 | Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY |
| Aug 15, 2022 | Warranty Deed, Transfer A-Z TEAM TITLE LLC, A Z TEAM TITLE LLC |
| Dec 31, 2019 | Deed of Trust, Mortgage · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Aug 15, 2022 · Amount on Record |
| Deed Sale | Aug 15, 2022 · Amount on Record |
| Deed Document Number | 2022125015 |
| Deed Book / Page | 6269 / 716 |
| Last Transfer Date | Dec 20, 2022 |
| Transfer Doc | 0063332253 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1213 HANCOCK CIR, SAINT CLOUD, FL 34769-6768 |
| Transaction Type | Mortgage |
| Record Updated | May 30, 2023 |
| Name | Verified Name |
|---|---|
| Address | 1213 HANCOCK CIRCLE, MILANVILLE, PA 18443 |
| Document Number | 0064081922 |
|---|---|
| Date | May 17, 2023 |
| Book Page | 6408/1922 |
| Instrument | 2023063069 |
| Name | VAL CHRIS INCESTMENTS INC |
|---|---|
| Type | Non-Lending Institution |
| Address | IRVINE, CA 92614 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 37 Months |
| Due | Jun 01, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Dec 21, 2022 |
| Property Address | 1213 HANCOCK CIR, SAINT CLOUD, FL 34769-6768 |
| Document Number | 0063332253 |
| Book / Page | 6333 / 2253 |
| Map Reference | MB 6 PG 9 |
| Instrument Date | Dec 20, 2022 |
| Instrument | 2022182849 |
| Transaction Type | Transfer |
| Record Updated | Jan 11, 2023 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1213 HANCOCK CIR, SAINT CLOUD, FL 34769-6768 |
| Name | Verified Name |
|---|---|
| Address | 1213 HANCOCK CIR, SAINT CLOUD, FL 34769-6768 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Aug 15, 2022 |
| Property Address | 1213 HANCOCK CIR, SAINT CLOUD, FL 34769-6768 |
| Document Number | 0062690716 |
| Book / Page | 6269 / 716 |
| Map Reference | MB 6 PG 9 |
| Instrument Date | Aug 12, 2022 |
| Instrument | 2022125015 |
| Transaction Type | Transfer |
| Record Updated | Sep 01, 2022 |
| Title Company | A-Z TEAM TITLE LLC, A Z TEAM TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $3,149.30 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1213 HANCOCK CIR, 1213, SAINT CLOUD, FL 34769-6768 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1213 HANCOCK CIR, SAINT CLOUD, FL 34769-6768 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1213 HANCOCK CIR, SAINT CLOUD, FL 34769-6768 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0056500484 |
|---|---|
| Date | Dec 31, 2019 |
| Book Page | 5650/0484 |
| Instrument | 2019169488 |
| Name | ATLANTIC BAY MORTGAGE GROUP LLC |
|---|---|
| Type | Mortgage Company |
| Address | VIRGINIA BEACH, VA 23452 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2050 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified August 2026
| 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, not market price estimates; both are a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,302.00 (+0.29%) Homeowner's exemption | $395,000 (+3.87%) Land $65,000 Building $330,000 | $395,000 (+3.87%) Land $65,000 Building $330,000 |
| 2024 | $6,284.00 (-8.3%) | ||
| 2023 | $6,853.00 (+309.13%) | $380,300 (+181.52%) Land $60,000 Building $320,300 | $380,300 (+29%) Land $60,000 Building $320,300 |
| 2022 | $1,675.00 Homeowner's exemption | $135,088 | $294,800 Land $55,000 Building $239,800 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), as of September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970432081, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 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 |
| Wildfire Risk | Low lower than 95% of the US · lower than 95% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Starlink Satellite | 280 / 30 |
| Lumen Technologies DSL · Fiber in parts of the area | 140 / 20 |
May also be available: Hotwire Communications, T-Mobile USA, Verizon.
Based on FCC filings for 350 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System, water system FL3491373, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | ST. CLOUD, CITY OF (3 WPS) serves 82,752 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jul 2025 |
| Lead | 2 ppb (2023) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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