Osceola County property record for 1233 Hancock Cir, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 2,861 sqft · built 1992 |
| Lot Size | 0.24 acres (10,454 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $445,000 (Apr 2026) |
| Tax Bill | $2,055 (2025) |
| Deeds & Mortgages | Sep 2022 Mortgage May 2026 Mortgage + 2 more |
| Flood Zone | Zone AE (high risk) |
| APN | 04-26-30-0410-0001-0090 |
| Primary APN | 04-26-30-0410-0001-0090 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,861 sqft Living Area |
| Gross Area | 3,824 sqft |
| 1st Floor Area | 1,538 sqft |
| Upper Floors Area | 1,323 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 1992 |
| Architectural Style | Conventional |
| Exterior Material | Brick |
| Construction Type | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 10,454 sqft (0.24 acres) |
| Lot Dimensions | 130 ft deep x 80 ft wide |
| Garage Type | Detached |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 595 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 1233 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 9 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 04 |
| Legal Subdivision | PALAMAR OAKS VLG PH 3 |
| Legal Tract | 410 |
| Legal Block | 90 |
| Legal Lot Number | 9 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 43208 |
Source: Osceola County records · APN 04-26-30-0410-0001-0090
Assessment roll updated November 26, 2025 · Last verified July 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 | 1233 HANCOCK CIR, SAINT CLOUD, FL 34769-6768 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | His Wife |
| Date | Document |
|---|---|
| Sep 07, 2022 | Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| May 08, 2026 | Deed of Trust, Mortgage · VA Mortgage KIND LENDING LLC |
| Apr 23, 2026 | Warranty Deed, Transfer · VA Mortgage KIND LENDING LLC |
| Apr 23, 2026 | Warranty Deed, Transfer · VA Mortgage KIND LENDING LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 23, 2026 · Amount on Record |
| Deed Sale | Apr 23, 2026 · Amount on Record |
| Prior Sale | Jun 09, 2025 · Amount on Record |
| Deed Document Number | 202654040 |
| Deed Book / Page | 6960 / 804 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1233 HANCOCK CIR, SAINT CLOUD, FL 34769-6768 |
| Transaction Type | Mortgage |
| Record Updated | May 06, 2026 |
| Name | Verified Name |
|---|---|
| Address | 1233 HANCOCK CIR, SAINT CLOUD, FL 34769-6768 |
| Document Number | 0062820757 |
|---|---|
| Date | Sep 07, 2022 |
| Book Page | 6282/757 |
| Instrument | 2022136537 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 242 Months |
| Due | Nov 01, 2042 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | May 08, 2026 |
| Property Address | 1233 HANCOCK CIR, SAINT CLOUD, FL 34769-6768 |
| Document Number | 0000061445 |
| Book / Page | 6969 / 321 |
| Instrument Date | Apr 17, 2026 |
| Instrument | 202661445 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 1605 S 9TH ST, OCEAN SPRINGS, MS 39564-7305 |
| Document Number | 0000061445, |
|---|---|
| Date | May 08, 2026 |
| Book Page | 6969/321 |
| Instrument | 202661445 |
| Name | KIND LENDING LLC |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 01, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.22% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Apr 23, 2026 |
| Property Address | 1233 HANCOCK CIR, SAINT CLOUD, FL 34769-6768 |
| Document Number | 0000054040 |
| Book / Page | 6960 / 804 |
| Instrument Date | Apr 17, 2026 |
| Instrument | 2026.54040 |
| Transaction Type | Transfer |
| Record Updated | May 04, 2026 |
| Title Company | MAGNOLIA CLOSING COMPANY, MAGNOLIA CLOSING CO |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $314,615.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1233 HANCOCK CIR, SAINT CLOUD, FL 34769-6768 |
| Document Number | 0000054043, |
|---|---|
| Date | Apr 23, 2026 |
| Instrument | 2026..54043 |
| Name | KIND LENDING LLC |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 01, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.11% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Apr 23, 2026 |
| Property Address | 1233 HANCOCK CIR, SAINT CLOUD, FL 34769-6768 |
| Document Number | 0069600804 |
| Book / Page | 6960 / 804 |
| Instrument Date | Apr 17, 2026 |
| Instrument | 202654040 |
| Transaction Type | Transfer |
| Record Updated | Jul 06, 2026 |
| Title Company | MAGNOLIA CLOSING COMPANY, MAGNOLIA CLOSING CO |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $314,615.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1233 HANCOCK CIR, SAINT CLOUD, FL 34769-6768 |
| Document Number | 0000054043, |
|---|---|
| Date | Apr 23, 2026 |
| Instrument | 202654043 |
| Name | KIND LENDING LLC |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 01, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.11% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified July 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 | $2,055.00 (+3.79%) | $157,725 (+5.99%) | $444,700 (+3.13%) Land $65,000 Building $379,700 |
| 2024 | $1,980.00 (+3.07%) | ||
| 2023 | $1,921.00 (+4.18%) Homeowner's exemption | $148,816 (+3%) | $431,200 (+28.1%) Land $60,000 Building $371,200 |
| 2022 | $1,844.00 Homeowner's exemption | $144,482 | $336,600 Land $55,000 Building $281,600 |
Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · 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 67% of the US · lower than 92% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond ember reach |
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 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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