1304 Cinda Ct, Saint Cloud, FL 34772 Property Records

Osceola County property record for 1304 Cinda Ct, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,188 sqft · built 1997
Lot Size	0.187 acres (8,189 sqft)
Owner	2 Individual Names on File
Last Sale	$225,000 (May 2020)
Tax Bill	$2,758 (2025)
Deeds & Mortgages	Dec 2019 Mortgage May 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`87543`

Property Details

APN / Parcel Number

Primary APN	`87543`
Alternative APN	`232630057300010200`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,188 sqft Heated Area
Gross Area	1,879 sqft
1st Floor Area	1,188 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1997
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	8,189 sqft (0.187 acres)
Lot Dimensions	119 ft deep x 68 ft wide
Garage Type	Finished
Garage Area	483 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	208 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	87543
Street Address	1304 CINDA CT
City	SAINT CLOUD
State	FL
Zip	34772-9188
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR2
Legal Description	CANOE CREEK WOODS UNIT 11 PB 7 PG 144-145 LOT 20
Legal Range	30E
Legal Township	26S
Legal Section	23
Legal Subdivision	CANOE CREEK WOODS & CRYSTAL CREEK
Legal Tract	573
Legal Block	1
Legal Lot Number	20
Legal Unit	11
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1022
Census Tract	43303

Owner

1304 Cinda Ct is owned and occupied by two individuals who bought it in May 2020.

Source: Osceola County records, as of December 11, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	1304 CINDA CT, SAINT CLOUD, FL 34772-9188
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 26, 2019	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
May 27, 2020	Warranty Deed, Transfer · Conventional with PMI MORTGAGE FIRM

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 27, 2020 · Amount on File
Deed Sale	May 27, 2020 · Amount on File
Prior Sale	Aug 11, 2015 · Amount on File
Deed Document Number	0057272348
Deed Book / Page	5727 / 2348
Record Updated	Jun 8, 2026

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1304 CINDA CT, SAINT CLOUD, FL 34772-9188
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0056462085
Date	Dec 26, 2019
Book Page	5646/2085
Instrument	2019166907

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jan 1, 2035

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 27, 2020
Property Address	1304 CINDA CT, SAINT CLOUD, FL 34772-9188
Document Number	0057272348
Book / Page	005727 / 002348
Instrument Date	May 27, 2020
Instrument	68401
Transaction Type	Transfer
Record Updated	Jul 20, 2020
Title Company	A CLEAR CHOICE TITLE AND ESCROW, A CLEAR CHOICE TITLE & ESCROW/

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,575.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1304 CINDA CT ST CLOUD FL 347729188, ST CLOUD, FL 34772-9188

Mortgage

Document Number	57272349
Date	May 27, 2020
Book Page	005727/002349
Instrument	68402

Lender

Name	MORTGAGE FIRM
Type	Mortgage Company
Address	ALTAMONTE SPRINGS, FL 32714

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	May 26, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 1304 Cinda Ct was $2,758 with a homeowner's exemption.

Source: Osceola County assessment roll, as of July 1, 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	$2,758.00 Homeowner's exemption	$196,996	$264,800 Land $70,000 Building $194,800
2023	$2,588.00 (+3.85%) Homeowner's exemption	$185,869 (+3%)	$261,300 (+18.29%) Land $60,000 Building $201,300
2022	$2,492.00 Homeowner's exemption	$180,456	$220,900 Land $55,000 Building $165,900

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1304 Cinda Ct in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 133 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	133 in force
Nearby Flood Claims	1 (2017)
Most Recent Claim	Sep 2017 · Hurricane Irma

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

Wildfire risk around 1304 Cinda Ct is low, with a 0.03% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood	0.03% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 257 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
CenturyLink DSL	140 / 20

May also be available: Xfinity.

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