1214 Hancock Cir, Saint Cloud, FL 34769 Property Records

Osceola County property record for 1214 Hancock Cir, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,034 sqft · built 1998
Lot Size	0.244 acres (10,628 sqft)
Owner	2 Individual Names on Record
Last Sale	$335,000 (Jul 2021)
Tax Bill	$3,460 (2025)
Deeds & Mortgages	Dec 2025 Second Mortgage Jul 2021 Sale & Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`04-26-30-0409-0001-0210`

Property Details

APN / Parcel Number

Primary APN	`04-26-30-0409-0001-0210`
Alternative APNs	`263004040900010210` `82314`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,034 sqft Living Area
Gross Area	2,870 sqft
1st Floor Area	1,044 sqft
Upper Floors Area	990 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,628 sqft (0.244 acres)
Lot Dimensions	130 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	450 sqft
Parking Spaces	2 Parking Spaces
Porch	Florida Room
Porch Area	386 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	1214 HANCOCK CIR
City	SAINT CLOUD
State	FL
Zip	34769-6767
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SPUD
Legal Description	PALAMAR OAKS VILLAGE PH 3 UN 1 PB 9 PG 90 LOT 21
Legal Range	30E
Legal Township	26S
Legal Section	04
Legal Subdivision	PALAMAR OAKS VLG PH 3 UNIT 1
Legal Phase	3
Legal Tract	409
Legal Block	210
Legal Lot Number	21
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 29, 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	1214 HANCOCK CIR, SAINT CLOUD, FL 34769-6767
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 17, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC
Jul 20, 2021	Warranty Deed, Transfer · VA Mortgage QUICKEN LOANS LLC
Jul 20, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
May 8, 2019	Warranty Deed, Transfer · Conventional Mortgage CHRISTENSEN FINANCIAL INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 20, 2021 · Amount on Record
Deed Sale	Jul 20, 2021 · Amount on Record
Prior Sale	May 8, 2019 · Amount on Record
Deed Document Number	2021112449
Deed Book / Page	6006 / 35
Prior Transfer Date	Jul 2, 2015
Prior Transfer Doc	0048062342
Record Updated	Jun 8, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1214 HANCOCK CIR, SAINT CLOUD, FL 34769-6767
Transaction Type	Mortgage
Record Updated	Dec 29, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1214 HANCOCK CIR, SAINT CLOUD, FL 34769-6767

Mortgage

Document Number	0068942984
Date	Dec 17, 2025
Book Page	6894/2984
Instrument	2025154031

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 20, 2021
Property Address	1214 HANCOCK CIR, SAINT CLOUD, FL 34769-6767
Document Number	0060060035
Book / Page	6006 / 35
Map Reference	MB 9 PG 90
Instrument Date	Jul 19, 2021
Instrument	2021112449
Transaction Type	Transfer
Record Updated	Aug 4, 2021
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,345.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	320 KETCH RD, 320, SAINT CLOUD, FL 34771-8225

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1214 HANCOCK CIR, SAINT CLOUD, FL 34769-6767

Mortgage

Document Number	600636
Date	Jul 20, 2021
Instrument	6006/36

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1214 HANCOCK CIR, SAINT CLOUD, FL 34769-6767
Document Number	0057612772
Instrument Date	Jul 20, 2020
Transaction Type	Mortgage
Record Updated	Sep 1, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1214 HANCOCK CIR ST CLOUD FL 347696767, ST CLOUD, FL 34769-6767

Mortgage

Document Number	0057612772
Date	Jul 27, 2020
Book Page	005761/002772
Instrument	97289

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 26, 2050

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 8, 2019
Property Address	1214 HANCOCK CIR, SAINT CLOUD, FL 34769-6767
Document Number	0055210925
Book / Page	5521 / 0925
Map Reference	MB 9 PG 90
Instrument Date	May 7, 2019
Instrument	2019059516
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,715.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1479 SKYLINE DR, 1479, KISSIMMEE, FL 34744-6657

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1214 HANCOCK CIR, SAINT CLOUD, FL 34769-6767

Mortgage

Document Number	2019059517
Date	May 8, 2019
Instrument	2019059517

Lender

Name	CHRISTENSEN FINANCIAL INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2049

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 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	$3,460.00 (+3.53%) Homeowner's exemption	$236,229 (+5.99%)	$358,200 (+3.5%) Land $65,000 Building $293,200
2024	$3,342.00 (+2.67%)
2023	$3,255.00 (+3.66%) Homeowner's exemption	$222,886 (+3%)	$346,100 (+27.24%) Land $60,000 Building $286,100
2022	$3,140.00 Homeowner's exemption	$216,395	$272,000 Land $55,000 Building $217,000

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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