1265 Hancock Cir, Saint Cloud, FL 34769 Property Records

Osceola County property record for 1265 Hancock Cir, Saint Cloud, FL 34769 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,821 sqft · built 1993
Lot Size	0.265 acres (11,543 sqft)
Owner	Individual Name on File
Last Sale	$440,000 (May 2023)
Tax Bill	$6,521 (2025)
Deeds & Mortgages	May 2023 Sale & Mortgage Sep 2022 Transfer + 1 more
Flood Zone	Zone AE (high risk)
APN	`04-26-30-0410-0001-0170`

Property Details

APN / Parcel Number

Primary APN	`04-26-30-0410-0001-0170`
Alternative APNs	`263004041000010170` `82334`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,821 sqft Living Area
Gross Area	2,724 sqft
1st Floor Area	1,821 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Exterior Material	Brick
Construction Type	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	11,543 sqft (0.265 acres)
Lot Dimensions	135 ft deep x 85 ft wide
Garage Type	Attached
Garage Area	503 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	32 sqft
Porch	Florida Room
Porch Area	400 sqft
Deck Area	543 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	1265 HANCOCK CIR
City	SAINT CLOUD
State	FL
Zip	34769-6768
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PALAMAR OAKS VILLAGE PHS 3 PB 6 PG 9-10 LOT 17
Legal Range	30E
Legal Township	26S
Legal Section	04
Legal Subdivision	PALAMAR OAKS VLG PH 3
Legal Tract	410
Legal Block	170
Legal Lot Number	17
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1000
Census Tract	43208

Owner

Source: Osceola County records · APN 04-26-30-0410-0001-0170

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	Individual Name on File
Mailing Address	1265 HANCOCK CIR, SAINT CLOUD, FL 34769-6768
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Date	Document
May 30, 2023	Warranty Deed, Transfer · Conventional Mortgage NEW AMERICAN FUNDING
Sep 13, 2022	Intrafamily Transfer, Transfer
Mar 16, 2020	Warranty Deed, Transfer · Conventional Mortgage MY MORTGAGE INC

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	May 30, 2023 · Amount on Record
Deed Sale	May 30, 2023 · Amount on Record
Prior Sale	Mar 16, 2020 · Amount on Record
Deed Document Number	202368218
Deed Book / Page	6414 / 2317
Prior Transfer Date	Sep 08, 2022
Prior Transfer Doc	0062850835
Record Updated	Jun 08, 2026

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 30, 2023
Property Address	1265 HANCOCK CIR, SAINT CLOUD, FL 34769-6768
Document Number	0064142317
Book / Page	6414 / 2317
Map Reference	MB 6 PG 9&10
Instrument Date	Apr 26, 2023
Instrument	2023068218
Transaction Type	Transfer
Record Updated	Jun 16, 2023
Title Company	FLORIDA TITLE PROS, FLORIDA TITLEPROS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$3,080.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6215 RIME VILLAGE DR NW, HUNTSVILLE, AL 35806-2724

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1265 HANCOCK CIR, SAINT CLOUD, FL 34769-6768

Mortgage

Document Number	0064142319
Date	May 30, 2023
Instrument	6414/2319

Lender

Name	NEW AMERICAN FUNDING
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 01, 2053

September 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Sep 13, 2022
Property Address	1265 HANCOCK CIR, SAINT CLOUD, FL 34769-6768
Document Number	0062850835
Book / Page	6285 / 835
Map Reference	MB 6 PG 9&10
Instrument Date	Sep 08, 2022
Instrument	2022139371
Transaction Type	Transfer
Record Updated	Sep 28, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4303 EVANGELINE LN, 4303, PLAINFIELD, MA 01070

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1765 HANCOCK DRIVE, SAINT CLOUD, FL 34769

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 16, 2020
Property Address	1265 HANCOCK CIR, SAINT CLOUD, FL 34769-6768
Document Number	0056930002
Book / Page	5693 / 2
Map Reference	MB 6 PG 9&10
Instrument Date	Mar 09, 2020
Instrument	2020037698
Transaction Type	Transfer
Record Updated	Feb 08, 2022
Title Company	QUALITY TITLE AND ESCROW LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,855.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1408 DAVIS AVE, 1408, ENDICOTT, NY 13760-5937

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1265 HANCOCK CIR, SAINT CLOUD, FL 34769-6768

Mortgage

Document Number	0056930004
Date	Mar 16, 2020
Instrument	5693/0004

Lender

Name	MY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 01, 2050

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 2026

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

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	$6,521.00 (+0.37%)	$364,100 (+61.51%) Land $65,000 Building $299,100	$364,100 (+3.82%) Land $65,000 Building $299,100
2024	$6,497.00 (+96.82%)
2023	$3,301.00 (+3.64%) Homeowner's exemption	$225,441 (+3%)	$350,700 (+25.52%) Land $60,000 Building $290,700
2022	$3,185.00 Homeowner's exemption	$218,875	$279,400 Land $55,000 Building $224,400

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970432081, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE
Special Flood Hazard Area	Yes
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required (federally backed mortgages)
Flood Insurance Cost	Premium on Record median of 29 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	35 units insured 6 under condo master policies

Wildfire

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; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 350 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000
Lumen Technologies	DSL	140 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: T-Mobile USA, Verizon, Lumen Technologies, Hotwire Communications, Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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