1503 Reade Cir, Saint Cloud, FL 34772 Property Records

Osceola County property record for 1503 Reade Cir, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,277 sqft · built 1999
Lot Size	0.176 acres (7,666 sqft)
Owner	Individual Name on File
Last Sale	$315,700 (Apr 2026)
Tax Bill	$4,843 (2025)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Oct 2022 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`23-26-30-0573-0001-0020`

Property Details

APN / Parcel Number

Primary APN	`23-26-30-0573-0001-0020`
Alternative APNs	`263023057300010020` `87521`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,277 sqft Living Area
Gross Area	1,820 sqft
1st Floor Area	1,277 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Conventional
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,666 sqft (0.176 acres)
Lot Dimensions	118 ft deep x 68 ft wide
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Florida Room
Porch Area	143 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	1503 READE CIR
City	SAINT CLOUD
State	FL
Zip	34772-9195
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 2
Legal Range	30E
Legal Township	26S
Legal Section	23
Legal Subdivision	CANOE CREEK WOODS UNIT 11
Legal Tract	573
Legal Block	20
Legal Lot Number	2
Legal Unit	11
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1022
Census Tract	43303

Owner

Source: Osceola County assessment roll, as of November 26, 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 File
Mailing Address	1503 READE CIR, SAINT CLOUD, FL 34772-9195
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

Deeds, Mortgages & Sale History

Date	Document
Apr 28, 2026	Special Warranty Deed, Transfer · Conventional Mortgage BANK OF AMIERCA NA
Oct 4, 2022	Warranty Deed, Transfer ACCOMODATION, ACCOMMODATION
Apr 22, 2022	Warranty Deed, Transfer AVENUE 365 LENDER SERVICES, AVENUE 365 LENDER SVCS LLC

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 28, 2026 · Amount on Record
Deed Sale	Apr 28, 2026 · Amount on Record
Prior Sale	Apr 22, 2022 · Amount on Record
Deed Document Number	202656090
Deed Book / Page	6962 / 1658
Prior Transfer Date	Sep 19, 2013
Prior Transfer Doc	0045051626
Record Updated	Sep 20, 2026

April 2026: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 28, 2026
Property Address	1503 READE CIR, SAINT CLOUD, FL 34772-9195
Document Number	0000056090
Book / Page	6962 / 1658
Instrument Date	Apr 2, 2026
Instrument	2026.56090
Transaction Type	Transfer
Record Updated	May 7, 2026
Title Company	AVENUE 365

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$223,199.90
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1503 READE CIR, SAINT CLOUD, FL 34772-9195

Mortgage

Document Number	0000056091,
Date	Apr 28, 2026
Instrument	2026..56091

Lender

Name	BANK OF AMIERCA NA

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.11%
Initial Type	Fixed Rate
Max Rate	-1%

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 4, 2022
Property Address	1503 READE CIR, SAINT CLOUD, FL 34772-9195
Document Number	0062941559
Book / Page	6294 / 1559
Map Reference	MB 7 PG 144&145
Instrument Date	Sep 9, 2022
Instrument	2022147537
Transaction Type	Transfer
Record Updated	Oct 25, 2022
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2325 POINTE PKWY STE 250, 2325, CARMEL, IN 46032-3295

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2325 POINTE PKWY STE 250, 250, CARMEL, IN 46032-3295
Investor	Possibly a Property Investor

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 22, 2022
Property Address	1503 READE CIR, SAINT CLOUD, FL 34772-9195
Document Number	0061991253
Book / Page	6199 / 1253
Map Reference	MB 7 PG 144&145
Instrument Date	Apr 21, 2022
Instrument	2022063985
Transaction Type	Transfer
Record Updated	May 5, 2022
Title Company	AVENUE 365 LENDER SERVICES, AVENUE 365 LENDER SVCS LLC

Transaction

Amount	Amount Recorded
Tax	$2,408.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1950 E GREYHOUND PASS # F, F, CARMEL, IN 46033-7787
Mail Care Of	RENU MANAGEMENT
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 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	$4,843.00 (-3.72%)	$270,400 (+1.2%) Land $70,000 Building $200,400	$270,400 (+1.2%) Land $70,000 Building $200,400
2024	$5,030.00 (+4.44%)
2023	$4,816.00 (+30.27%)	$267,200 (+18.39%) Land $60,000 Building $207,200	$267,200 (+18.39%) Land $60,000 Building $207,200
2022	$3,697.00	$225,700 Land $55,000 Building $170,700	$225,700 Land $55,000 Building $170,700

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 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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