1538 Reade Cir, Saint Cloud, FL 34772 Property Records

Osceola County property record for 1538 Reade Cir, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,832 sqft · built 1993
Lot Size	0.203 acres (8,843 sqft)
Owner	Company Name on File
Last Sale	$129,000 (Jul 2013)
Tax Bill	$5,781 (2025)
Deeds & Mortgages	Jul 2018 Transfer Jul 2018 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`87561`

Property Details

APN / Parcel Number

Primary APN	`87561`
Alternative APN	`232630057300010380`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,832 sqft Heated Area
Gross Area	2,672 sqft
1st Floor Area	1,832 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1993
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,843 sqft (0.203 acres)
Lot Dimensions	115 ft deep x 83 ft wide
Garage Type	Finished
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	38 sqft
Porch	Open Porch
Porch Area	399 sqft
Deck Area	605 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	87561
Street Address	1538 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 38
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	38
Legal Unit	11
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1020
Census Tract	43303

Owner

1538 Reade Cir is owned by a company that acquired it in July 2018.

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

Owner of Record	Company Name on File
Mailing Address	PO BOX 4900, SCOTTSDALE, AZ 85261-4900
Owner Type	Company

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

Date	Document
Jul 9, 2018	Quit Claim Deed, Transfer OS NATIONAL LLC
Jul 30, 2018	Loan Modification, Mortgage GERMAN AMERICAN CAP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 1, 2013 · Amount on File
Deed Sale	Jul 1, 2013 · Amount on File
Prior Sale	Jun 29, 2015
Deed Document Number	0044642098
Deed Book / Page	004464 / 002098
Last Transfer Date	Jul 9, 2018
Transfer Doc	0053632075
Record Updated	Jun 8, 2026

July 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 9, 2018
Property Address	1538 READE CIR, SAINT CLOUD, FL 34772-9192
Document Number	0053632075
Book / Page	005363 / 002075
Instrument Date	Jun 28, 2018
Instrument	104460
Transaction Type	Transfer
Record Updated	Aug 16, 2018
Title Company	OS NATIONAL LLC

Transaction

Tax	$0.00
Additional	Quitclaim Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Partnership
Address	1717 MAIN ST #2000 DALLAS TX 752014657, 2000, DALLAS, TX 75201-4657
Investor	Possibly a Property Investor

July 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OSCEOLA FL
Recording Date	Jul 30, 2018
Property Address	1538 READE CIR, SAINT CLOUD, FL 34772-9192
Document Number	0053751849
Book / Page	005375 / 001849
Instrument Date	Jun 28, 2018
Instrument	115852
Transaction Type	Mortgage
Record Updated	Aug 13, 2018
Title Company	OS NATIONAL LLC, OS NAT'L LLC

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Partnership
Address	345 PARK AVE NEW YORK NY 101540004, NEW YORK, NY 10154-0004
Investor	Possibly a Property Investor

Mortgage

Document Number	0053751849
Date	Jul 30, 2018
Book Page	005375/001849
Instrument	115852

Lender

Name	GERMAN AMERICAN CAP
Type	Funding / Finance Company
Address	60 WALL ST # 10TH, NEW YORK, NY 10005-2865

Agreement

Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 1538 Reade Cir was $5,781.

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	$5,781.00	$327,600 Land $70,000 Building $257,600	$327,600 Land $70,000 Building $257,600
2023	$5,105.00 (+12.62%)	$324,600 (+18.12%) Land $60,000 Building $264,600	$324,600 (+18.12%) Land $60,000 Building $264,600
2022	$4,533.00	$274,800 Land $55,000 Building $219,800	$274,800 Land $55,000 Building $219,800

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

Flood

FEMA maps place 1538 Reade Cir in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 File 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

Wildfire risk around 1538 Reade Cir is moderate, ranking above 45% of the US, with a 0.08% annual chance of 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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