1508 Reade Cir, Saint Cloud, FL 34772 Property Records

Osceola County property record for 1508 Reade Cir, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,992 sqft · built 1997
Lot Size	0.18 acres (7,840 sqft)
Owner	Individual Name on Record
Last Sale	$430,000 (Mar 2026)
Tax Bill	$2,712 (2025)
Deeds & Mortgages	Oct 2021 Line of Credit Mar 2026 Sale & Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`23-26-30-0573-0001-0530`

Property Details

APN / Parcel Number

Primary APN	`23-26-30-0573-0001-0530`
Alternative APNs	`263023057300010530` `87576`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	1,992 sqft Living Area
Gross Area	2,808 sqft
1st Floor Area	1,992 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Exterior Material	Concrete Block/Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,840 sqft (0.18 acres)
Lot Dimensions	120 ft deep x 65 ft wide
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	28 sqft
Porch	Finished/Open Porch
Porch Area	375 sqft
Deck Area	422 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	1508 READE CIR
City	SAINT CLOUD
State	FL
Zip	34772-9192
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR2
Legal Description	CANOE CREEK WOODS UNIT 11 PB 7 PGS 144-145 LOT 53
Legal Range	30E
Legal Township	26S
Legal Section	23
Legal Subdivision	CANOE CREEK WOODS UNIT 11
Legal Tract	573
Legal Block	530
Legal Lot Number	53
Legal Unit	11
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1020
Census Tract	43303

Owner

Source: Osceola County records, as of October 19, 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 Record
Mailing Address	1508 READE CIR, SAINT CLOUD, FL 34772-9192
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Date	Document
Oct 4, 2021	Deed of Trust, Mortgage · Line of Credit ADDITION FINANCIAL CU
Mar 4, 2026	Warranty Deed, Transfer · VA Mortgage CROSSCOUNTRY MORTGAGE LLC
Oct 29, 2018	Warranty Deed, Transfer · Conventional with PMI QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 4, 2026 · Amount on Record
Deed Sale	Mar 4, 2026 · Amount on Record
Prior Sale	Oct 29, 2018 · Amount on Record
Deed Document Number	202628754
Deed Book / Page	6931 / 2359
Prior Transfer Date	May 5, 2004
Prior Transfer Doc	0000092072
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1508 READE CIR, SAINT CLOUD, FL 34772-9192
Transaction Type	Mortgage
Record Updated	Mar 18, 2026
Title Company	PRIMERA TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1508 READE CIR, SAINT CLOUD, FL 34772-9192

Mortgage

Document Number	0060572295
Date	Oct 4, 2021
Book Page	6057/2295
Instrument	2021153751

Lender

Name	ADDITION FINANCIAL CU
Type	Credit Union
Address	LAKE MARY, FL 32746

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 4, 2026
Property Address	1508 READE CIR, SAINT CLOUD, FL 34772-9192
Document Number	0069312359
Book / Page	6931 / 2359
Map Reference	MB 7 PG 144&145
Instrument Date	Feb 27, 2026
Instrument	2026028754
Transaction Type	Transfer
Record Updated	Mar 18, 2026
Title Company	PUBLIC TITLE SERVICES LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$3,010.00
Amount Accuracy	Rounded by County
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	469 SYLVESTER RD, VARNVILLE, SC 29944-2121

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1508 READE CIR, SAINT CLOUD, FL 34772-9192

Mortgage

Document Number	0069312361
Date	Mar 4, 2026
Instrument	6931/2361

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2056

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 29, 2018
Property Address	1508 READE CIR, SAINT CLOUD, FL 34772-9192
Document Number	0054251040
Book / Page	005425 / 001040
Instrument Date	Sep 28, 2018
Instrument	161307
Transaction Type	Transfer
Record Updated	Nov 16, 2018
Title Company	PUBLIC TITLE SERVICES LLC, PUBLIC TITLE SVCS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,749.30
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1508 READE CIR ST CLOUD FL 347729192, ST CLOUD, FL 34772-9192

Mortgage

Document Number	54251042
Date	Oct 29, 2018
Book Page	005425/001042
Instrument	161308

Lender

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

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Oct 28, 2048

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	$2,712.00 (+3.67%) Homeowner's exemption	$194,391 (+5.99%)	$357,300 (+0.9%) Land $70,000 Building $287,300
2024	$2,616.00 (+2.83%)
2023	$2,544.00 (+3.88%) Homeowner's exemption	$183,411 (+3%)	$354,100 (+17.99%) Land $60,000 Building $294,100
2022	$2,449.00 Homeowner's exemption	$178,069	$300,100 Land $55,000 Building $245,100

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are 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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
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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