Osceola County property record for 1225 Hancock Cir, Saint Cloud, FL 34769 · Last verified April 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 1994 |
| Square Footage | 1,656 sqft Living Area |
| Lot Size | 13,285 sqft (0.305 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $367,000 (2025) |
| Tax Bill | $1,289.00 (2024) |
| Primary APN | 04-26-30-0410-0001-0070 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,656 sqft Living Area |
| Gross Area | 2,409 sqft Gross Area |
| 1st Floor | 1,656 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1994 |
| Exterior Material | Concrete Block Exterior |
| Construction Type | Masonry/Concrete Masonry Units (CMUs) Construction |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 13,285 sqft (0.305 acres) |
| Depth X Width | 135 ft x 91 ft Depth x Width |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 540 sqft Garage |
| Porch Area | 213 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 1225 HANCOCK CIR |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-6768 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | PALAMAR OAKS VILLAGE PHS 3 PB 6 PG 9-10 LOT 7 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 04 |
| Legal Subdivision | PALAMAR OAKS VLG PH 3 |
| Legal Tract | 410 |
| Legal Block | 70 |
| Legal Lot Number | 7 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 1 |
| Census Block | 1000 |
| Census Tract | 43208 |
Source: Osceola County records · APN 04-26-30-0410-0001-0070
Assessment roll updated November 26, 2025 · Last verified April 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 File |
|---|---|
| Mailing Address | 1225 HANCOCK CIR, SAINT CLOUD, FL 34769-6768 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Vesting | Husband And Wife |
| Date | Document |
|---|---|
| Dec 10, 2025 | Deed, Transfer · Veterans Administration Mortgage MORTGAGE RESEARCH CENTER LLC |
| Dec 13, 2017 | Deed of Trust, Mortgage · Conventional Mortgage RP FUNDING INC |
| Oct 19, 2020 | Deed of Trust, Mortgage · Conventional Mortgage GUARANTY BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Dec 10, 2025 · Amount on Record |
| Deed Sale | Dec 10, 2025 · Amount on Record |
| Prior Sale | Dec 19, 2005 · Amount on Record |
| Deed Doc Number | 2025150427 |
| Deed Book / Page | 6890 / 2938 |
| Prior Transfer Date | Feb 29, 2016 |
| Prior Transfer Doc | 0049382069 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Dec 10, 2025 |
| Property Address | 1225 HANCOCK CIR, SAINT CLOUD, FL 34769-6768 |
| Document Number | 0068902938 |
| Book / Page | 6890 / 2938 |
| Map Reference | MB 6 PG 9&10 |
| Instrument Date | Nov 19, 2025 |
| Instrument | 2025150427 |
| Transaction Type | Transfer |
| Record Updated | Dec 22, 2025 |
| Title Company | TITLE OF AMERICA LLC, TITLETOWN OF AMERICA LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,569.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1061 COUNTY ROAD 550, LANETT, AL 36863-5409 |
| Name | Verified Name |
|---|---|
| Address | 1225 HANCOCK CIR, SAINT CLOUD, FL 34769-6768 |
| Document Number | 0068902940 |
|---|---|
| Date | Dec 10, 2025 |
| Instrument | 6890/2940 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 01, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1225 HANCOCK CIR, SAINT CLOUD, FL 34769-6768 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0052530864 |
|---|---|
| Date | Dec 13, 2017 |
| Book Page | 5253/0864 |
| Instrument | 2017177198 |
| Name | RP FUNDING INC |
|---|---|
| Type | Mortgage Company |
| Address | MAITLAND, FL 32751 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Dec 01, 2037 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1225 HANCOCK CIR, SAINT CLOUD, FL 34769-6768 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|---|
| Address | 1225 HANCOCK CIR, SAINT CLOUD, FL 34769-6768 |
| Document Number | 0058151174 |
|---|---|
| Date | Oct 19, 2020 |
| Book Page | 5815/1174 |
| Instrument | 2020140952 |
| Name | GUARANTY BANK |
|---|---|
| Type | Bank |
| Address | SPRINGFIELD, MO 65804 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Nov 01, 2035 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 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 | $1,342.00 (+4.11%) Homeowner's exemption | $117,869 (+5.99%) | $327,400 (+3.48%) Land $65,000 Building $262,400 |
| 2024 | $1,289.00 (+3.7%) | ||
| 2023 | $1,243.00 (+4.81%) Homeowner's exemption | $111,212 (+3%) | $316,400 (+26.76%) Land $60,000 Building $256,400 |
| 2022 | $1,186.00 Homeowner's exemption | $107,973 | $249,600 Land $55,000 Building $194,600 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone AE |
|---|---|
| Flood Hazard | High |
| 100-Year Floodplain | Yes 1% annual chance |
| Special Flood Hazard Area | Yes |
| Flood Insurance Requirement | Required (federally backed mortgages) |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Wildfire Risk | Low above 5% of the US · above 4% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 4,348 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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