1417 11th St, Saint Cloud, FL 34769 Property Records

Osceola County property record for 1417 11th St, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	2 ba · 788 sqft · built 1925
Lot Size	0.08 acres (3,485 sqft)
Owner	Individual Name on Record
Last Sale	$229,000 (Oct 2024)
Tax Bill	$2,848 (2025)
Deeds & Mortgages	Dec 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`78162`

Property Details

APN / Parcel Number

Primary APN	`78162`
Alternative APN	`012630000101890215`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	788 sqft Heated Area
Gross Area	1,004 sqft
1st Floor Area	704 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1925
Effective Year Built	Effective 2002
Exterior Material	Aluminum Siding
Foundation Type	Pier/Post & Beam
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	3,485 sqft (0.08 acres)
Lot Dimensions	100 ft deep x 35 ft wide
Garage Type	Detached
Garage Area	200 sqft
Parking Spaces	1 Parking Space
Porch	Enclosed Porch
Porch Area	300 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	78162
Street Address	1417 11TH ST
City	SAINT CLOUD
State	FL
Zip	34769-3714
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SCB2
Legal Description	ST CLOUD PB B PG 34 BLK 189 W 1/2 OF E 1/2 LOTS 21-24 2/26/30
Legal Range	30E
Legal Township	26S
Legal Section	01
Legal Subdivision	ST CLOUD DOWNTOWN BUSINESS DISTRICT
Legal Tract	1
Legal Block	189
Legal Lot Number	21 22
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2013
Census Tract	43500

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the St. Cloud Downtown Historic District listed 2023 · 177 contributing resources · NRIS 100009031

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

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	1417 11TH ST, SAINT CLOUD, FL 34769-3714
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 2, 2024 · Amount on Record
Deed Sale	Oct 2, 2024 · Amount on Record
Prior Sale	Dec 26, 2018 · Amount on Record
Deed Document Number	2024126061
Deed Book / Page	6673 / 1742
Record Updated	Jun 8, 2026

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 26, 2018
Property Address	1417 11TH ST, SAINT CLOUD, FL 34769-3714
Document Number	0054541295
Book / Page	005454 / 001295
Instrument Date	Dec 21, 2018
Instrument	187580
Transaction Type	Transfer
Record Updated	Jan 15, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$875.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	905 WHISLER CT ST CLOUD FL 347693003, ST CLOUD, FL 34769-3003

Mortgage

Document Number	54541297
Date	Dec 26, 2018
Book Page	005454/001297
Instrument	187581

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 25, 2048

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	$2,848.00 (+48.88%)	$158,900 (+40.99%) Land $66,200 Building $92,700	$158,900 (+40.99%) Land $66,200 Building $92,700
2023	$1,913.00 (+12.27%)	$112,700 (+17.64%) Land $22,100 Building $90,600	$112,700 (+17.64%) Land $22,100 Building $90,600
2022	$1,704.00	$95,800 Land $18,400 Building $77,400	$95,800 Land $18,400 Building $77,400

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 12 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	12 in force

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 94% of the US · lower than 95% of Florida
Wildfire Likelihood	Under 0.01% 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 526 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	8,000 / 8,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20