1312 Paperwoods Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 1312 Paperwoods Dr, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,592 sqft · built 1991
Lot Size	0.232 acres (10,106 sqft)
Owner	Individual Name on Record
Last Sale	$255,000 (Dec 2018)
Tax Bill	$3,318 (2025)
Deeds & Mortgages	Dec 2022 Line of Credit Apr 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`87368`

Property Details

APN / Parcel Number

Primary APN	`87368`
Alternative APN	`232630050700010200`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,592 sqft Heated Area
Gross Area	2,352 sqft
1st Floor Area	1,592 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1991
Effective Year Built	Effective 2002
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,106 sqft (0.232 acres)
Lot Dimensions	135 ft deep x 75 ft wide
Garage Type	Finished
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	450 sqft
Porch	Open Porch
Porch Area	298 sqft
Deck Area	424 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	87368
Street Address	1312 PAPERWOODS DR
City	SAINT CLOUD
State	FL
Zip	34772-7485
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR1A
Legal Description	CANOE CREEK WOODS UNIT 6 PB 6 PG 223-224 LOT 20
Legal Range	30E
Legal Township	26S
Legal Section	23
Legal Subdivision	CANOE CREEK WOODS & CRYSTAL CREEK
Legal Tract	507
Legal Block	1
Legal Lot Number	20
Legal Unit	6P
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1002
Census Tract	43303

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	1312 PAPERWOODS DR, SAINT CLOUD, FL 34772-7485
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 14, 2022	Deed of Trust, Mortgage · Line of Credit TRUIST BANK
Apr 21, 2020	Deed of Trust, Mortgage QUICKEN LNS
Dec 4, 2018	Warranty Deed, Transfer · Conventional Mortgage OBSIDIAN FINANCIAL SERVICES INC
Sep 28, 2018	Warranty Deed, Transfer OPENDOOR TITLE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 4, 2018 · Amount on Record
Deed Sale	Dec 4, 2018 · Amount on Record
Prior Sale	Sep 28, 2018 · Amount on Record
Deed Document Number	2018177609
Deed Book / Page	5443 / 0485
Record Updated	Jun 8, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1312 PAPERWOODS DR, SAINT CLOUD, FL 34772-7485
Transaction Type	Mortgage
Record Updated	Jan 2, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1312 PAPERWOODS DR, SAINT CLOUD, FL 34772-7485

Mortgage

Document Number	0063291867
Date	Dec 14, 2022
Book Page	6329/1867
Instrument	2022178964

Lender

Name	TRUIST BANK
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	Nov 9, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1312 PAPERWOODS DR, SAINT CLOUD, FL 34772-7485
Document Number	0057132183
Instrument Date	Apr 21, 2020
Transaction Type	Mortgage
Record Updated	Jun 23, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1312 PAPERWOODS DR ST CLOUD FL 347727485, ST CLOUD, FL 34772-7485

Mortgage

Document Number	0057132183
Date	Apr 27, 2020
Book Page	005713/002183
Instrument	56776

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Apr 26, 2050

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 4, 2018
Property Address	1312 PAPERWOODS DR, SAINT CLOUD, FL 34772-7485
Document Number	0054430485
Book / Page	5443 / 0485
Map Reference	MB6 PG223&224
Instrument Date	Nov 30, 2018
Instrument	2018177609
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	OPENDOOR TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,785.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	405 HOWARD ST # 530, 405, SAN FRANCISCO, CA 94105-2625

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1312 PAPERWOODS DR, SAINT CLOUD, FL 34772-7485

Mortgage

Document Number	2018177610
Date	Dec 4, 2018
Instrument	2018177610

Lender

Name	OBSIDIAN FINANCIAL SERVICES INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2048

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 28, 2018
Property Address	1312 PAPERWOODS DR, SAINT CLOUD, FL 34772-7485
Document Number	0054090948
Book / Page	005409 / 000948
Instrument Date	Sep 26, 2018
Instrument	146464
Transaction Type	Transfer
Record Updated	Oct 22, 2018
Title Company	OPENDOOR TITLE LLC

Transaction

Amount	Amount Recorded
Tax	$1,656.90
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	405 HOWARD ST #550 SAN FRANCISCO CA 941052999, 550, SAN FRANCISCO, CA 94105-2999
Investor	Possibly a Property Investor

Tax Assessment & Valuation

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	$3,318.00 (+6.38%) Homeowner's exemption	$228,257 (+5.99%)	$323,900 (+1.31%) Land $70,000 Building $253,900
2023	$3,119.00 (+3.69%) Homeowner's exemption	$215,365 (+3%)	$319,700 (+17.75%) Land $60,000 Building $259,700
2022	$3,008.00 Homeowner's exemption	$209,093	$271,500 Land $55,000 Building $216,500

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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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

Wildfire Risk	Low lower than 65% of the US · lower than 91% of Florida
Wildfire Likelihood	0.04% 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 351 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 / 35

May also be available: Xfinity.

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