1249 Hancock Cir, Saint Cloud, FL 34769 Property Records

Osceola County property record for 1249 Hancock Cir, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,704 sqft · built 1993
Lot Size	0.232 acres (10,105 sqft)
Owner	2 Individual Names on Record
Last Sale	$350,000 (Feb 2025)
Tax Bill	$3,320 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Mar 2023 Line of Credit + 3 more
Flood Zone	Zone X (moderate risk)
APN	`04-26-30-0410-0001-0130`

Property Details

APN / Parcel Number

Primary APN	`04-26-30-0410-0001-0130`
Alternative APNs	`263004041000010130` `82330`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,704 sqft Living Area
Gross Area	2,662 sqft
1st Floor Area	1,704 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Architectural Style	Conventional
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,105 sqft (0.232 acres)
Lot Dimensions	130 ft deep x 77 ft wide
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Florida Room
Porch Area	496 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	1249 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 13
Legal Range	30E
Legal Township	26S
Legal Section	04
Legal Subdivision	PALAMAR OAKS VLG PH 3
Legal Tract	410
Legal Block	130
Legal Lot Number	13
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 April 13, 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	1249 HANCOCK CIR, SAINT CLOUD, FL 34769-6768
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Date	Document
Mar 31, 2026	Deed of Trust, Mortgage · FHA Mortgage AMERIHOME MORTGAGE COMPANY LLC
Mar 24, 2023	Deed of Trust, Mortgage · Line of Credit NAVY FCU
Jun 22, 2021	Warranty Deed, Transfer · Conventional Mortgage EMBRACE HOME LOANS INC
Feb 12, 2020	Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORP
Feb 3, 2017	Quit Claim Deed, Transfer · FHA Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 19, 2025 · Amount on Record
Deed Sale	Feb 19, 2025 · Amount on Record
Prior Sale	Jun 22, 2021 · Amount on Record
Deed Document Number	202521428
Deed Book / Page	6742 / 1410
Prior Transfer Date	Jan 23, 2017
Prior Transfer Doc	0050970984
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1249 HANCOCK CIR, SAINT CLOUD, FL 34769-6768
Transaction Type	Mortgage
Record Updated	Apr 22, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1249 HANCOCK CIR, SAINT CLOUD, FL 34769-6768

Mortgage

Document Number	0069470135
Date	Mar 31, 2026
Book Page	6947/135
Instrument	2026042892

Lender

Name	AMERIHOME MORTGAGE COMPANY LLC
Type	Mortgage Company
Address	THOUSAND OAKS, CA 91362

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1249 HANCOCK CIR, SAINT CLOUD, FL 34769-6768
Transaction Type	Mortgage
Record Updated	Apr 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1249 HANCOCK CIR, SAINT CLOUD, FL 34769-6768

Mortgage

Document Number	0063760175
Date	Mar 24, 2023
Book Page	6376/175
Instrument	2023033718

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Mar 1, 2063

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 22, 2021
Property Address	1249 HANCOCK CIR, SAINT CLOUD, FL 34769-6768
Document Number	0059860106
Book / Page	5986 / 106
Map Reference	MB 6 PG 9&10
Instrument Date	Jun 18, 2021
Instrument	2021097020
Transaction Type	Transfer
Record Updated	Jul 8, 2021
Title Company	NONA TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,135.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10065 DAVIS CREEK CIR APT 5412, 10065, ORLANDO, FL 32832-6461

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1249 HANCOCK CIR, SAINT CLOUD, FL 34769-6768

Mortgage

Document Number	0059860108
Date	Jun 22, 2021
Book Page	5986/108
Instrument	2021097021

Lender

Name	EMBRACE HOME LOANS INC
Type	Mortgage Company
Address	MIDDLETOWN, RI 02842

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1249 HANCOCK CIR, SAINT CLOUD, FL 34769-6768
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0056730287
Date	Feb 12, 2020
Book Page	5673/287
Instrument	2020021257

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company
Address	ATLANTA, GA 30305

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Mar 1, 2040

February 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 3, 2017
Property Address	1249 HANCOCK CIR, SAINT CLOUD, FL 34769-6768
Document Number	0050970984
Book / Page	005097 / 000984
Instrument Date	Jan 23, 2017
Instrument	19335
Transaction Type	Transfer
Record Updated	Feb 27, 2017
Title Company	CLOSING USA LLC

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1249 HANCOCK CIR ST CLOUD FL 347696768, ST CLOUD, FL 34769-6768

Mortgage

Document Number	50970988
Date	Feb 3, 2017
Book Page	005097/000988
Instrument	19336

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 2, 2047

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	$3,320.00 (+3.56%)	$228,370 (+5.99%)	$332,600 (+3.39%) Land $65,000 Building $267,600
2024	$3,206.00 (+2.72%)
2023	$3,121.00 (+3.69%) Homeowner's exemption	$215,470 (+3%)	$321,700 (+26.85%) Land $60,000 Building $261,700
2022	$3,010.00 Homeowner's exemption	$209,195	$253,600 Land $55,000 Building $198,600

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 X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
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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