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1524 13th St, Saint Cloud, FL 34769 Property Records

Osceola County property record for 1524 13th St, Saint Cloud, FL 34769 · Last verified December 2025

Property Summary

Property TypeAuto Repair, Garage
Details1 ba · 1,827 sqft · built 1972
Lot Size0.38 acres (16,553 sqft)
OwnerCompany Name on File
Last Sale$350,000 (Aug 2024)
Tax Bill$7,071 (2025)
Deeds & MortgagesSep 2018 Mortgage
Feb 2017 Mortgage
Flood ZoneZone X (minimal risk)
APN78347

Property Details

APN / Parcel Number

Primary APN78347
Alternative APN
  • 012630000102170150

Interior

Full Baths1 Bath
Plumbing Fixtures2 Plumbing Fixtures
Total Rooms5 Rooms
Stories1 Story
Building Area1,827 sqft Heated Area
Gross Area3,124 sqft
1st Floor Area1,310 sqft
Office517 sqft
FlooringVinyl/Resilient
Interior WallsUnfinished

Exterior

Year BuiltBuilt 1972
Effective Year BuiltEffective 1992
Exterior MaterialBrick
Fire ResistanceMasonry Walls, Wood Interior
Foundation TypeFooting
Roof TypeWood Truss
Roof MaterialBuilt-Up Asphalt
Lot Area16,553 sqft (0.38 acres)
Lot Dimensions120 ft deep x 140 ft wide
Canopy1,297 sqft

Utilities, Heating & Cooling

Cooling SystemCentral

Location & Zoning

Account Number78347
Street Address1524 13TH ST
CitySAINT CLOUD
StateFL
Zip34769-4305
Property CategoryCommercial
Property TypeCommercial > Retail > Auto Repair, Garage
Legal DescriptionST CLOUD PB B PG 34 BLK 217 LOTS 13-17 LESS N 5 FT LOT 17 2-26-30
Legal Range30E
Legal Township26S
Legal Section01
Legal SubdivisionST CLOUD HWY CENTRAL
Legal Tract1
Legal Block217
Legal Lot Number2,13-17 2
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1037
Census Tract43400

Owner

Source: Osceola County records · APN 78347

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 RecordCompany Name on File
Mailing AddressPO BOX 700607, SAINT CLOUD, FL 34770-0607
Owner TypeCompany

Deeds, Mortgages & Sale History

DateDocument
Sep 19, 2018Deed of Trust, Mortgage
MATRIX FIN'L
Feb 17, 2017Deed of Trust, Mortgage
MATRIX FINANCIAL LTD

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleAug 20, 2024 · Amount on Record
Deed SaleAug 20, 2024 · Amount on Record
Deed Document Number2024108383
Deed Book / Page6652 / 1778
Record UpdatedJun 08, 2026

September 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address1524 13TH ST, SAINT CLOUD, FL 34769-4305
Document Number0054071758
Instrument DateSep 19, 2018
Transaction TypeMortgage
Record UpdatedOct 10, 2018
Title CompanyATTORNEY ONLY

Transaction

Additional
  • Multiple Parcels

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address3825 CANOE CREEK RD ST CLOUD FL 347727437, ST CLOUD, FL 34772-7437

Mortgage

Document Number0054071758
DateSep 26, 2018
Book Page005407/001758
Instrument145123
Lender
NameMATRIX FIN'L
TypeFunding / Finance Company
AddressKISSIMMEE, FL 34744
Agreement
AmountAmount Recorded

February 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address1524 13TH ST, SAINT CLOUD, FL 34769-4305
Document Number0051050745
Book / Page005105 / 000745
Instrument DateFeb 17, 2017
Transaction TypeMortgage
Record UpdatedApr 04, 2017
Title CompanyATTORNEY ONLY

Transaction

Additional
  • Multiple Parcels

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address3825 CANOE CREEK RD ST CLOUD FL 347727437, ST CLOUD, FL 34772-7437

Mortgage

Document Number0051050745
DateFeb 20, 2017
Book Page005105/000745
Instrument27944
Lender
NameMATRIX FINANCIAL LTD
AddressKISSIMMEE, FL 34744
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$7,071.00 (+25.89%)$395,100 (+19.44%) Land $226,400 Building $168,700$395,100 (+19.44%) Land $226,400 Building $168,700
2023$5,617.00 (+12.95%)$330,800 (+19.86%) Land $171,900 Building $158,900$330,800 (+19.86%) Land $171,900 Building $158,900
2022$4,973.00$276,000 Land $143,300 Building $132,700$276,000 Land $143,300 Building $132,700

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

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 470 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
Lumen TechnologiesFiber8,000 / 8,000
SpectrumCable1,000 / 1,000
VerizonFixed Wireless300 / 20
AT&TFixed Wireless100 / 20
StarlinkSatellite (low-earth orbit)280 / 30

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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