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1518 Reade Cir, Saint Cloud, FL 34772 Property Records

Osceola County property record for 1518 Reade Cir, Saint Cloud, FL 34772

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 1,975 sqft · built 1995
Lot Size0.203 acres (8,886 sqft)
OwnerIndividual Name on File
Last Sale$257,000 (Oct 2017)
Tax Bill$3,714 (2025)
Deeds & MortgagesOct 2017 Sale & Mortgage
Flood ZoneZone AE (high risk)
APN87571

Property Details

APN / Parcel Number

Primary APN87571
Alternative APN
  • 232630057300010480

Interior

Bedrooms4 Beds
Full Baths3 Baths
Stories1 Story
Building Area1,975 sqft Heated Area
Gross Area2,860 sqft
1st Floor Area1,975 sqft
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1995
Effective Year BuiltEffective 2005
Exterior MaterialConcrete Block
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area8,886 sqft (0.203 acres)
Lot Dimensions129 ft deep x 69 ft wide
Garage TypeFinished
Garage Area483 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

Pool Area612 sqft
PorchOpen Porch
Porch Area402 sqft
Deck Area549 sqft
Patio Area150 sqft
FenceFence

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Account Number87571
Street Address1518 READE CIR
CitySAINT CLOUD
StateFL
Zip34772-9192
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeSR2
Legal DescriptionCANOE CREEK WOODS UNIT 11 PB 7 PGS 144-145 LOT 48
Legal Range30E
Legal Township26S
Legal Section23
Legal SubdivisionCANOE CREEK WOODS & CRYSTAL CREEK
Legal Tract573
Legal Block1
Legal Lot Number48
Legal Unit11
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1020
Census Tract43303

Owner

1518 Reade Cir is owned and occupied by an individual who bought it in October 2017.

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

Owner of RecordIndividual Name on File
Co-ownerCo-owner on File
Mailing Address1518 READE CIR, SAINT CLOUD, FL 34772-9192
OccupancyOwner Occupied
Owner TypeIndividual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleOct 20, 2017 · Amount on File
Deed SaleOct 20, 2017 · Amount on File
Prior SaleOct 10, 2016 · Amount on File
Deed Document Number2017151143
Deed Book / Page5227 / 1843
Record UpdatedJun 8, 2026

October 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateOct 20, 2017
Property Address1518 READE CIR, SAINT CLOUD, FL 34772-9192
Document Number0052271843
Book / Page5227 / 1843
Map ReferenceMB7 PG144&145
Instrument DateSep 29, 2017
Instrument2017151143
Transaction TypeTransfer
Record UpdatedFeb 8, 2022
Title CompanyGRACE TITLE INC LAKE NONA

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,799.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address19808 COACHMANS TRCE, 19808, CORNELIUS, NC 28031-9245

Transferred To (Grantee/Buyer)

NameVerified Name
Address1518 READE CIR, SAINT CLOUD, FL 34772-9192

Mortgage

Document Number0052271845
DateOct 20, 2017
Instrument5227/1845
Lender
NameCITIBANK NA
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueOct 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 1518 Reade Cir was $3,714 with a homeowner's exemption.

Source: Osceola County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$3,714.00 Homeowner's exemption$250,422$381,100 Land $70,000 Building $311,100
2023$3,496.00 (+3.62%) Homeowner's exemption$236,277 (+3%)$377,800 (+17.95%) Land $60,000 Building $317,800
2022$3,374.00 Homeowner's exemption$229,396$320,300 Land $55,000 Building $265,300

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1518 Reade Cir in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood ElevationVaries along the reach; see FIRM
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on File
median of 133 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies133 in force
Nearby Flood Claims1 (2017)
Most Recent ClaimSep 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

Wildfire risk around 1518 Reade Cir is low, with a 0.03% annual chance of wildfire.

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

Wildfire RiskLow
lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood0.03% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 SystemST. CLOUD, CITY OF (3 WPS)
serves 82,752 people · EPA ID FL3491373
Water SourceGroundwater
Last State InspectionJul 2025
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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

ProviderMax 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.

Nearby Properties on Reade Cir

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