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1521 11th St, Saint Cloud, FL 34769 Property Records

Osceola County property record for 1521 11th St, Saint Cloud, FL 34769 · Last verified December 2025

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,094 sqft · built 1940
Lot Size0.05 acres (2,178 sqft)
OwnerIndividual Name on File
Last Sale$169,900 (Dec 2018)
Tax Bill$3,070 (2025)
Deeds & MortgagesDec 2018 Second Mortgage
Dec 2018 Sale & Mortgage
+ 2 more
Flood ZoneZone X (minimal risk)
APN78166

Property Details

APN / Parcel Number

Primary APN78166
Alternative APN
  • 012630000101900015

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,094 sqft Heated Area
Gross Area1,449 sqft
1st Floor Area744 sqft
FlooringVinyl/Resilient
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1940
Effective Year BuiltEffective 2006
Exterior MaterialAluminum Siding
Foundation TypePier/Post & Beam
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area2,178 sqft (0.05 acres)
Lot Dimensions50 ft deep x 45 ft wide
Garage TypeFinished
Garage Area200 sqft
Parking Spaces1 Parking Space
PorchEnclosed Porch
Porch Area505 sqft
FenceFence

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Account Number78166
Street Address1521 11TH ST
CitySAINT CLOUD
StateFL
Zip34769-3639
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionST CLOUD PB B PG 34 BLK 190 W 45 FT LOTS 1 & 2 2/26/30
Legal Range30E
Legal Township26S
Legal Section01
Legal SubdivisionST CLOUD DOWNTOWN BUSINESS DISTRICT
Legal Tract1
Legal Block190
Legal Lot Number1-2 2
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1032
Census Tract43400

Owner

Source: Osceola County records · APN 78166

Assessment roll updated July 1, 2025 · Last verified December 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Mailing Address1521 11TH ST, SAINT CLOUD, FL 34769-3639
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Dec 06, 2018Deed of Trust, Mortgage · Stand-Alone Second Mortgage
CALIBER HOME LOANS INC
Dec 06, 2018Warranty Deed, Transfer · Conventional with PMI
CALIBER HM LOANS
Aug 03, 2017Warranty Deed, Transfer
STEWART TITLE
Aug 11, 2017Warranty Deed, Transfer
ELISE CAPITAL LLC

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleDec 06, 2018 · Amount on Record
Deed SaleDec 06, 2018 · Amount on Record
Prior SaleAug 11, 2017 · Amount on Record
Deed Document Number2018179003
Deed Book / Page5445 / 0075
Record UpdatedJun 08, 2026

December 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address1521 11TH ST, SAINT CLOUD, FL 34769-3639
Transaction TypeMortgage
Record UpdatedFeb 07, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0054450095
DateDec 06, 2018
Book Page5445/0095
Instrument2018179005
Lender
NameCALIBER HOME LOANS INC
TypeMortgage Company
AddressIRVING, TX 75063
Agreement
TypeStand-Alone Second Mortgage
AmountAmount Recorded
Term358 Months
DueOct 01, 2048

December 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateDec 06, 2018
Property Address1521 11TH ST, SAINT CLOUD, FL 34769-3639
Document Number0054450075
Book / Page005445 / 000075
Instrument DateSep 14, 2018
Instrument179003
Transaction TypeTransfer
Record UpdatedJan 04, 2019
Title CompanyFIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,189.30
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address1521 11TH ST ST CLOUD FL 347693639, ST CLOUD, FL 34769-3639

Mortgage

Document Number54450077
DateDec 06, 2018
Book Page005445/000077
Instrument179004
Lender
NameCALIBER HM LOANS
TypeFunding / Finance Company
AddressIRVING, TX 75063
Agreement
TypeConventional with PMI
AmountAmount Recorded
Term360 Months
DueDec 05, 2048
Interest
Rate12%

August 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateAug 03, 2017
Property Address1521 11TH ST, SAINT CLOUD, FL 34769-3639
Document Number0051891314
Book / Page005189 / 001314
Instrument DateAug 03, 2017
Instrument112657
Transaction TypeTransfer
Record UpdatedAug 25, 2017
Title CompanySTEWART TITLE

Transaction

AmountAmount Recorded
Tax$560.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address130 S BUMBY AVE #A ORLANDO FL 328037415, A, ORLANDO, FL 32803-7415

August 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateAug 11, 2017
Property Address1521 11TH ST, SAINT CLOUD, FL 34769-3639
Document Number0051932014
Book / Page5193 / 2014
Map ReferenceMB B PG33&34
Instrument DateAug 03, 2017
Instrument2017116803
Transaction TypeTransfer
Record UpdatedFeb 08, 2022
Title CompanyATTORNEY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$594.30
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address130 S BUMBY AVEA, 130, ORLANDO, FL 32803

Transferred To (Grantee/Buyer)

NameVerified Name
Address3236 KAYENTA CT, ORLANDO, FL 32829-8532

Mortgage

Document Number0051932017
DateAug 11, 2017
Instrument5193/2017
Lender
NameELISE CAPITAL LLC
TypeNon-Lending Institution
Agreement
AmountAmount Recorded

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

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

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$3,070.00 (+16.2%)$174,900 (+8.97%) Land $21,500 Building $153,400$174,900 (+8.97%) Land $21,500 Building $153,400
2023$2,642.00 (+10.27%)$160,500 (+11.07%) Land $17,900 Building $142,600$160,500 (+11.07%) Land $17,900 Building $142,600
2022$2,396.00$144,500 Land $15,000 Building $129,500$144,500 Land $15,000 Building $129,500

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970434001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 12 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies12 in force
9 of 12 on primary residences

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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.

Historic Designation

Source: NPS National Register of Historic Places · August 1, 2026 release · Last verified October 2026

Historic DistrictWithin 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.

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