1534 Reade Cir, Saint Cloud, FL 34772 Property Records

Osceola County property record for 1534 Reade Cir, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,840 sqft · built 1997
Lot Size	0.237 acres (10,367 sqft)
Owner	Individual Name on Record
Last Sale	$259,900 (Nov 2019)
Tax Bill	$3,000 (2025)
Deeds & Mortgages	Sep 2023 Mortgage Nov 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`87563`

Property Details

APN / Parcel Number

Primary APN	`87563`
Alternative APN	`232630057300010400`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,840 sqft Heated Area
Gross Area	2,619 sqft
1st Floor Area	1,840 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1997
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Clay Tile
Lot Area	10,367 sqft (0.237 acres)
Lot Dimensions	125 ft deep x 70 ft wide
Garage Type	Finished
Garage Area	504 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	450 sqft
Porch	Open Porch
Porch Area	275 sqft
Deck Area	486 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	87563
Street Address	1534 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 PG S 144-145 LOT 40
Legal Range	30E
Legal Township	26S
Legal Section	23
Legal Subdivision	CANOE CREEK WOODS & CRYSTAL CREEK
Legal Tract	573
Legal Block	1
Legal Lot Number	40
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 December 11, 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 Record
Co-owner	Co-owner on Record
Mailing Address	1534 READE CIR, SAINT CLOUD, FL 34772-9192
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 7, 2023	Deed of Trust, Mortgage · FHA Mortgage M & T BANK
Nov 6, 2019	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 6, 2019 · Amount on Record
Deed Sale	Nov 6, 2019 · Amount on Record
Prior Sale	Aug 28, 2003
Deed Document Number	2019144232
Deed Book / Page	5619 / 0504
Record Updated	Jun 8, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1534 READE CIR, SAINT CLOUD, FL 34772-9192
Transaction Type	Mortgage
Record Updated	Sep 28, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1534 READE CIR, SAINT CLOUD, FL 34772-9192

Mortgage

Document Number	0064700010
Date	Sep 7, 2023
Book Page	6470/10
Instrument	2023117407

Lender

Name	M & T BANK
Type	Bank
Address	GETZVILLE, NY 14068

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	315 Months
Due	Dec 1, 2049

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Nov 6, 2019
Property Address	1534 READE CIR, SAINT CLOUD, FL 34772-9192
Document Number	0056190504
Book / Page	5619 / 0504
Map Reference	MB 7 PG 144&145
Instrument Date	Nov 1, 2019
Instrument	2019144232
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	LEADING EDGE TTL OF CTRL FL

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,819.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	25446 NW 94TH AVE, 25446, HIGH SPRINGS, FL 32643-9814

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1534 READE CIR, SAINT CLOUD, FL 34772-9192

Mortgage

Document Number	0005619506
Date	Nov 6, 2019
Instrument	5619/506

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2049

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 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	$3,000.00 (+6.46%) Homeowner's exemption	$210,520 (+5.99%)	$363,100 (+0.67%) Land $70,000 Building $293,100
2023	$2,818.00 (+3.76%) Homeowner's exemption	$198,629 (+3%)	$360,700 (+18.11%) Land $60,000 Building $300,700
2022	$2,716.00 Homeowner's exemption	$192,844	$305,400 Land $55,000 Building $250,400

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	Moderate above 45% of the US · lower than 84% of Florida
Wildfire Likelihood	0.08% annual chance
Exposure	Direct burnable vegetation

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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