1536 Reade Cir, Saint Cloud, FL 34772 Property Records

Osceola County property record for 1536 Reade Cir, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,932 sqft · built 1993
Lot Size	0.284 acres (12,371 sqft)
Owner	2 Individual Names on Record
Last Sale	$405,000 (Feb 2026)
Tax Bill	$5,691 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Feb 2026 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`23-26-30-0573-0001-0390`

Property Details

APN / Parcel Number

Primary APN	`23-26-30-0573-0001-0390`
Alternative APNs	`263023057300010390` `87562`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,932 sqft Living Area
Gross Area	2,826 sqft
1st Floor Area	1,932 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Architectural Style	Conventional
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	12,371 sqft (0.284 acres)
Lot Dimensions	129 ft deep x 83 ft wide
Garage Type	Attached
Garage Area	483 sqft
Parking Spaces	2 Parking Spaces
Porch	Florida Room
Porch Area	411 sqft
Deck Area	306 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	1536 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 39
Legal Range	30E
Legal Township	26S
Legal Section	23
Legal Subdivision	CANOE CREEK WOODS UNIT 11
Legal Tract	573
Legal Block	390
Legal Lot Number	39
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 April 6, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	1401 SWEET BAY CT, KISSIMMEE, FL 34744-3923
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jul 22, 2021	Deed of Trust, Mortgage · FHA Mortgage FLAGSTAR BANK FSB
Feb 10, 2026	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Aug 26, 2019	Warranty Deed, Transfer · FHA Mortgage CROSSCOUNTRY MORTGAGE INC
Feb 22, 2019	Warranty Deed, Transfer OPENDOOR TITLE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 10, 2026 · Amount on Record
Deed Sale	Feb 10, 2026 · Amount on Record
Prior Sale	Aug 26, 2019 · Amount on Record
Deed Document Number	202617720
Deed Book / Page	6920 / 320
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1536 READE CIR, SAINT CLOUD, FL 34772-9192
Transaction Type	Mortgage
Record Updated	Mar 6, 2026
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1536 READE CIR, SAINT CLOUD, FL 34772-9192

Mortgage

Document Number	0060071136
Date	Jul 22, 2021
Book Page	6007/1136
Instrument	2021113541

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	JACKSONVILLE, FL 32202

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	338 Months
Due	Sep 1, 2049

February 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 10, 2026
Property Address	1536 READE CIR, SAINT CLOUD, FL 34772-9192
Document Number	0069200320
Book / Page	6920 / 320
Map Reference	MB 7 PG 144
Instrument Date	Feb 3, 2026
Instrument	2026017720
Transaction Type	Transfer
Record Updated	Mar 6, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,835.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	956 COSTA MESA LN, KISSIMMEE, FL 34744-7229

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1401 SWEET BAY CT, KISSIMMEE, FL 34744-3923

Mortgage

Document Number	0006920322
Date	Feb 10, 2026
Instrument	6920/322

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 26, 2019
Property Address	1536 READE CIR, SAINT CLOUD, FL 34772-9192
Document Number	0055791747
Book / Page	5579 / 1747
Map Reference	MB 7 PG 144&145
Instrument Date	Aug 21, 2019
Instrument	2019110651
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	OPENDOOR TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,680.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	405 HOWARD ST STE 550, 405, SAN FRANCISCO, CA 94105-2999

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1536 READE CIR, SAINT CLOUD, FL 34772-9192

Mortgage

Document Number	0055791749
Date	Aug 26, 2019
Instrument	5579/1749

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

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

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 22, 2019
Property Address	1536 READE CIR, SAINT CLOUD, FL 34772-9192
Document Number	0054811751
Book / Page	005481 / 001751
Instrument Date	Feb 20, 2019
Instrument	23367
Transaction Type	Transfer
Record Updated	Mar 13, 2019
Title Company	OPENDOOR TITLE LLC

Transaction

Amount	Amount Recorded
Tax	$1,645.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	405 HOWARD ST #550 SAN FRANCISCO CA 941052999, 550, SAN FRANCISCO, CA 94105-2999
Investor	Possibly a Property Investor

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	$5,691.00 (+1.84%) Homeowner's exemption	$227,214 (+5.99%)	$322,200 (+0.34%) Land $70,000 Building $252,200
2024	$5,588.00 (+80.14%)
2023	$3,102.00 (+3.71%) Homeowner's exemption	$214,380 (+3%)	$321,100 (+18.79%) Land $60,000 Building $261,100
2022	$2,991.00 Homeowner's exemption	$208,136	$270,300 Land $55,000 Building $215,300

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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