Osceola County property record for 1321 4th St, Saint Cloud, FL 34769 · Last verified April 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bathrooms | 2 Baths |
| Year Built | Built 1987 |
| Square Footage | 1,297 sqft Living Area |
| Lot Size | 7,318 sqft (0.168 acres) |
| Garage | Attached, 264 sqft |
| Occupancy | Owner Occupied |
| Last Sale | $103,000 (2002) |
| Tax Bill | $721.00 (2024) |
| Primary APN | 01-26-30-0001-0375-0105 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Building Area | 1,297 sqft Living Area |
| Gross Area | 1,645 sqft Gross Area |
| 1st Floor | 1,297 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1987 |
| Architectural Style | Conventional Style |
| Exterior Material | Concrete Block Exterior |
| Construction Type | Masonry/Concrete Masonry Units (CMUs) Construction |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 7,318 sqft (0.168 acres) |
| Depth X Width | 73 ft x 1 ft Depth x Width |
| Parking Spaces | 1 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 264 sqft Garage |
| Shed | 1 Shed |
| Shed Area | 128 sqft Shed |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 1321 4TH ST |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-2804 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LAKE FRONT ADDN PB B PG 61-62 BLK 375 W 73 FT LOT 10 2/26/30 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD 2ND PLAT TOWN OF |
| Legal Tract | 1 |
| Legal Block | 375 |
| Legal Lot Number | 10 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 1 |
| Census Block | 1016 |
| Census Tract | 43500 |
Source: Osceola County records · APN 01-26-30-0001-0375-0105
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 | PO BOX 700104, SAINT CLOUD, FL 34770-0104 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Feb 25, 2021 | Deed of Trust, Mortgage · Conventional Mortgage ADDITION FINANCIAL CU |
| Oct 13, 2018 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Apr 11, 2002 · Amount on Record |
| Deed Sale | Apr 11, 2002 · Amount on Record |
| Prior Sale | Nov 29, 2001 · Amount on Record |
| Deed Book / Page | 2032 / 1596 |
| Prior Transfer Date | Nov 08, 2001 |
| Prior Transfer Doc | 0019640616 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1321 4TH ST, SAINT CLOUD, FL 34769-2804 |
| Transaction Type | Mortgage |
| Record Updated | Nov 24, 2021 |
| Title Company | PRIMERA TITLE LLC |
| Name | Verified Name |
|---|---|
| Address | 1321 4TH ST, SAINT CLOUD, FL 34769-2804 |
| Document Number | 0058981668 |
|---|---|
| Date | Feb 25, 2021 |
| Book Page | 5898/1668 |
| Instrument | 2021027557 |
| Name | ADDITION FINANCIAL CU |
|---|---|
| Type | Credit Union |
| Address | LAKE MARY, FL 32746 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Feb 22, 2031 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1321 4TH ST, SAINT CLOUD, FL 34769-2804 |
| Document Number | 0054220864 |
| Instrument Date | Oct 13, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Nov 08, 2018 |
| Name | Verified Name |
|---|---|
| Address | PO BOX 700104 ST CLOUD FL 347700104, ST CLOUD, FL 34770-0104 |
| Document Number | 0054220864 |
|---|---|
| Date | Oct 24, 2018 |
| Book Page | 005422/000864 |
| Instrument | 158898 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 23, 2048 |
| Rate Type | Adjustable Rate |
|---|
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 2026
| 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 | $755.00 (+4.72%) Homeowner's exemption | $85,091 (+5.99%) | $249,800 (+16.4%) Land $46,800 Building $203,000 |
| 2024 | $721.00 (+4.95%) | ||
| 2023 | $687.00 (+6.51%) Homeowner's exemption | $80,285 (+3%) | $214,600 (+16.13%) Land $34,000 Building $180,600 |
| 2022 | $645.00 Homeowner's exemption | $77,947 | $184,800 Land $30,600 Building $154,200 |
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 | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| 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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