1217 Hancock Cir, Saint Cloud, FL 34769 Property Records

Osceola County property record for 1217 Hancock Cir, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,070 sqft · built 1992
Lot Size	0.675 acres (29,403 sqft)
Owner	2 Individual Names on Record
Last Sale	$430,000 (Jun 2023)
Tax Bill	$5,676 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Jun 2023 Sale & Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`04-26-30-0410-0001-0050`

Property Details

APN / Parcel Number

Primary APN	`04-26-30-0410-0001-0050`
Alternative APNs	`263004041000010050` `82320`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,070 sqft Living Area
Gross Area	2,622 sqft
1st Floor Area	2,070 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Exterior Material	Brick
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	29,403 sqft (0.675 acres)
Lot Dimensions	274 ft deep x 84 ft wide
Garage Type	Attached
Garage Area	552 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	1217 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 5
Legal Range	30E
Legal Township	26S
Legal Section	04
Legal Subdivision	PALAMAR OAKS VLG PH 3
Legal Tract	410
Legal Block	50
Legal Lot Number	5
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 July 1, 2026

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	1217 HANCOCK CIR, SAINT CLOUD, FL 34769-6768
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Jun 22, 2026	Deed of Trust, Mortgage · Conventional Mortgage FAIRWINDS CREDIT UNION
Jun 13, 2023	Warranty Deed, Transfer · Conventional Mortgage ALKAN MORTGAGE CORP
Aug 15, 2017	Warranty Deed, Transfer CURT PAULSEN

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 13, 2023 · Amount on Record
Deed Sale	Jun 13, 2023 · Amount on Record
Prior Sale	Aug 15, 2017 · Amount on Record
Deed Document Number	202376734
Deed Book / Page	6424 / 1092
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Recording Date	Jun 22, 2026
Property Address	1217 HANCOCK CIR, SAINT CLOUD, FL 34769-6768
Document Number	0069911606
Book / Page	6991 / 1606
Instrument Date	Jun 16, 2026
Instrument	202681513
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	MORTGAGE TITLE SERVICES INC, MORTGAGEE TITLE SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1217 HANCOCK CIR, SAINT CLOUD, FL 34769-6768

Mortgage

Document Number	0000081513,
Date	Jun 22, 2026
Book Page	6991/1606
Instrument	202681513

Lender

Name	FAIRWINDS CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 1, 2041

Interest

Rate Type	Fixed Rate
Rate	5.85%
Initial Type	Fixed Rate
Max Rate	-1%

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 13, 2023
Property Address	1217 HANCOCK CIR, SAINT CLOUD, FL 34769-6768
Document Number	0064241092
Book / Page	6424 / 1092
Map Reference	MB 6 PG 9&10
Instrument Date	Jun 12, 2023
Instrument	2023076734
Transaction Type	Transfer
Record Updated	Jun 26, 2023
Title Company	LAND TITLE CORPORATION, LAND TITLE PROFESSIONALS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,010.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1217 HANCOCK CIR, SAINT CLOUD, FL 34769-6768

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1217 HANCOCK CIR, SAINT CLOUD, FL 34769-6768

Mortgage

Document Number	0064241094
Date	Jun 13, 2023
Instrument	6424/1094

Lender

Name	ALKAN MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2053

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 15, 2017
Property Address	1217 HANCOCK CIR, SAINT CLOUD, FL 34769-6768
Document Number	0051941619
Book / Page	005194 / 001619
Instrument Date	Aug 11, 2017
Instrument	117733
Transaction Type	Transfer
Record Updated	Sep 26, 2017
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,540.00
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	1217 HANCOCK CIR ST CLOUD FL 347696768, ST CLOUD, FL 34769-6768

Mortgage

Document Number	51941620
Date	Aug 15, 2017
Book Page	005194/001620
Instrument	117734

Lender

Name	CURT PAULSEN
Address	2960 STONEBRIDGE ISLE, DELAFIELD, WI 53018-1000

Agreement

Amount	Amount Recorded

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	$5,676.00 (+110.3%) Homeowner's exemption	$360,000 (+87.47%) Land $65,000 Building $295,000	$360,000 (+3.33%) Land $65,000 Building $295,000
2023	$2,699.00 (+3.81%) Homeowner's exemption	$192,035 (+3%)	$348,400 (+27.53%) Land $60,000 Building $288,400
2022	$2,600.00 Homeowner's exemption	$186,442	$273,200 Land $55,000 Building $218,200

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.

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 95% of the US · lower than 95% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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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