1234 Hancock Cir, Saint Cloud, FL 34769 Property Records

Osceola County property record for 1234 Hancock Cir, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,957 sqft · built 1997
Lot Size	0.238 acres (10,367 sqft)
Owner	2 Individual Names on Record
Last Sale	$165,000 (Dec 2009)
Tax Bill	$1,260 (2025)
Deeds & Mortgages	Jun 2022 Line of Credit May 2020 Line of Credit
Flood Zone	Zone AE (high risk)
APN	`04-26-30-0409-0001-0200`

Property Details

APN / Parcel Number

Primary APN	`04-26-30-0409-0001-0200`
Alternative APNs	`263004040900010200` `82313`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,957 sqft Living Area
Gross Area	2,582 sqft
1st Floor Area	1,957 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,367 sqft (0.238 acres)
Lot Dimensions	130 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Pool Area	36 sqft
Porch	Finished/Open Porch
Porch Area	141 sqft
Deck Area	544 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	1234 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 20
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	200
Legal Lot Number	20
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 November 26, 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	1234 HANCOCK CIR, SAINT CLOUD, FL 34769-6767
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 30, 2022	Deed of Trust, Mortgage · Line of Credit REGIONS BANK
May 27, 2020	Deed of Trust, Mortgage · Line of Credit REGIONS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 21, 2009 · Amount on Record
Deed Sale	Dec 21, 2009 · Amount on Record
Prior Sale	Aug 11, 2003 · Amount on Record
Deed Document Number	2009201767
Deed Book / Page	3929 / 1485
Prior Transfer Date	Apr 4, 1997
Prior Transfer Doc	1392002230
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1234 HANCOCK CIR, SAINT CLOUD, FL 34769-6767
Transaction Type	Mortgage
Record Updated	Feb 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1234 HANCOCK CIR, SAINT CLOUD, FL 34769-6767

Mortgage

Document Number	0062430237
Date	Jun 30, 2022
Book Page	6243/237
Instrument	2022101928

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35244

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1234 HANCOCK CIR, SAINT CLOUD, FL 34769-6767
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0057271188
Date	May 27, 2020
Book Page	5727/1188
Instrument	2020068137

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35211

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Apr 30, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	$1,260.00 (-2.33%) Homeowner's exemption Disabled Person's exemption Senior Citizen's exemption	$129,945 (+5.99%)	$358,800 (+3.43%) Land $65,000 Building $293,800
2024	$1,290.00 (+4.03%)
2023	$1,240.00 (+5.35%) Homeowner's exemption Senior Citizen's exemption	$122,605 (+3%)	$346,900 (+27.07%) Land $60,000 Building $286,900
2022	$1,177.00 Homeowner's exemption Senior Citizen's exemption	$119,034	$273,000 Land $55,000 Building $218,000

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 67% of the US · lower than 92% 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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