Osceola County property record for 1245 Hancock Cir, Saint Cloud, FL 34769 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 1999 |
| Square Footage | 2,284 sqft Heated Area |
| Lot Size | 15,290 sqft (0.351 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $23,000 (1994) |
| Tax Bill | $2,185.00 (2025) |
| Primary APN | 82329 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Partial Baths | 1 Partial Baths |
| Building Area | 2,284 sqft Heated Area |
| Gross Area | 3,115 sqft Gross Area |
| 1st Floor | 1,692 sqft 1st Floor |
| Upper Floors | 592 sqft Upper Floors |
| Stories | 2 Stories |
| Primary Flooring | Tile Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 1999 |
|---|---|
| Exterior Material | Concrete Block Exterior |
| Foundation Type | Footing Foundation |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 15,290 sqft (0.351 acres) |
| Depth X Width | 160 ft x 82 ft Depth x Width |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Finished Garage |
| Garage Area | 483 sqft Garage |
| Pool Area | 450 sqft Pool |
|---|---|
| Deck Area | 884 sqft Deck |
| Porch | Open Porch |
| Porch Area | 348 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Account Number | 82329 |
|---|---|
| Street Address | 1245 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 12 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 04 |
| Legal Subdivision | PALAMAR OAKS VILLAGE |
| Legal Tract | 410 |
| Legal Block | 1 |
| Legal Lot Number | 12 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 1 |
| Census Block | 1000 |
| Census Tract | 43208 |
Source: Osceola County records · APN 82329
Assessment roll updated July 1, 2025 · Last verified December 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 File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 1245 HANCOCK CIR, SAINT CLOUD, FL 34769-6768 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Sep 12, 2023 | Deed of Trust, Mortgage · Line of Credit TRUIST BANK |
| Apr 27, 2021 | Deed of Trust, Mortgage · Conventional Mortgage NEWREZ LLC |
| Mar 05, 2019 | Deed of Trust, Mortgage · Conventional Mortgage PHH MORTGAGE SERVICES CORP |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 15, 1994 · Amount on Record |
| Deed Sale | Sep 15, 1994 · Amount on Record |
| Deed Doc Number | 0012121388 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1245 HANCOCK CIR, SAINT CLOUD, FL 34769-6768 |
| Transaction Type | Mortgage |
| Record Updated | Sep 28, 2023 |
| Name | Verified Name |
|---|---|
| Address | 1245 HANCOCK CIR, SAINT CLOUD, FL 34769-6768 |
| Document Number | 0064720583 |
|---|---|
| Date | Sep 12, 2023 |
| Book Page | 6472/583 |
| Instrument | 2023119381 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | WHITEVILLE, NC 28472 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Aug 04, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1245 HANCOCK CIR, SAINT CLOUD, FL 34769-6768 |
| Transaction Type | Mortgage |
| Record Updated | May 12, 2021 |
| Title Company | NOT AVAILABLE, MTG |
| Name | Verified Name |
|---|---|
| Address | 1245 HANCOCK CIR, SAINT CLOUD, FL 34769-6768 |
| Document Number | 0059441349 |
|---|---|
| Date | Apr 27, 2021 |
| Book Page | 5944/1349 |
| Instrument | 2021063462 |
| Name | NEWREZ LLC |
|---|---|
| Type | Mortgage Company |
| Address | FORT WASHINGTON, PA 19034 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | May 01, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1245 HANCOCK CIR, SAINT CLOUD, FL 34769-6768 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0054861747 |
|---|---|
| Date | Mar 05, 2019 |
| Book Page | 5486/1747 |
| Instrument | 2019028043 |
| Name | PHH MORTGAGE SERVICES CORP |
|---|---|
| Type | Mortgage Company |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Mar 01, 2039 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| 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 and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,185.00 (+6.9%) Homeowner's exemption | $164,993 (+5.99%) | $419,700 (+3.55%) Land $65,000 Building $354,700 |
| 2023 | $2,044.00 (+4.07%) Homeowner's exemption | $155,674 (+3%) | $405,300 (+26.38%) Land $60,000 Building $345,300 |
| 2022 | $1,964.00 Homeowner's exemption | $151,140 | $320,700 Land $55,000 Building $265,700 |
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 X |
|---|---|
| Flood Hazard | Moderate |
| 500-Year Floodplain | Yes |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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