1547 Reade Cir, Saint Cloud, FL 34772 Property Records

Osceola County property record for 1547 Reade Cir, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,292 sqft · built 2001
Lot Size	0.182 acres (7,927 sqft)
Owner	Company Name on Record
Last Sale	$215,000 (Jun 2019)
Tax Bill	$4,997 (2025)
Deeds & Mortgages	Sep 2026 Sale Sep 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`23-26-30-0573-0001-0310`

Property Details

APN / Parcel Number

Primary APN	`23-26-30-0573-0001-0310`
Alternative APNs	`263023057300010310` `87554`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,292 sqft Living Area
Gross Area	1,977 sqft
1st Floor Area	1,292 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Exterior Material	Concrete Block/Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,927 sqft (0.182 acres)
Lot Dimensions	122 ft deep x 65 ft wide
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	245 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	1547 READE CIR
City	SAINT CLOUD
State	FL
Zip	34772-7419
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR2
Legal Description	CANOE CREEK WOODS UNIT 11 PB 7 PG 144-145 LOT 31
Legal Range	30E
Legal Township	26S
Legal Section	23
Legal Subdivision	CANOE CREEK WOODS UNIT 11
Legal Tract	573
Legal Block	310
Legal Lot Number	31
Legal Unit	11
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1022
Census Tract	43303

Owner

Source: Osceola County records, as of October 19, 2026

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

Owner of Record	Company Name on Record
Mailing Address	1547 READE CIR, SAINT CLOUD, FL 34772-7419
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Sep 23, 2026	Certificate of Transfer, Transfer
Sep 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST GUARANTY MORTGAGE CORP
Mar 5, 2020	Deed of Trust, Mortgage · FHA Mortgage FIRST GUARANTY MORTGAGE CORP
Jun 4, 2019	Warranty Deed, Transfer · FHA Mortgage CARDINAL FINANCIAL COMPANY LP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 4, 2019 · Amount on Record
Deed Sale	Jun 4, 2019 · Amount on Record
Prior Sale	Feb 26, 2001 · Amount on Record
Deed Document Number	201971450
Deed Book / Page	5534 / 2529
Record Updated	Oct 29, 2026

September 2026: Certificate of Transfer, Transfer

Document Type	Certificate of Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Sep 23, 2026
Property Address	1547 READE CIR, SAINT CLOUD, FL 34772-7419
Document Number	0000122794
Book / Page	7038 / 1383
Instrument Date	Sep 22, 2026
Instrument	2026122794
Transaction Type	Transfer
Record Updated	Oct 23, 2026

Transaction

Amount	Amount Recorded
Tax	$70.70
Amount Accuracy	Full Amount Stated
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1547 READE CIR, SAINT CLOUD, FL 34772-7419
Transaction Type	Mortgage
Record Updated	May 2, 2022
Title Company	SOURCEPOINT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1547 READE CIR, SAINT CLOUD, FL 34772-7419

Mortgage

Document Number	0060340417
Date	Sep 1, 2021
Book Page	6034/417
Instrument	2021135587

Lender

Name	FIRST GUARANTY MORTGAGE CORP
Type	Mortgage Company
Address	PLANO, TX 75024

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2051

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1547 READE CIR, SAINT CLOUD, FL 34772-7419
Transaction Type	Mortgage
Record Updated	May 2, 2022
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0056861556
Date	Mar 5, 2020
Book Page	5686/1556
Instrument	2020032462

Lender

Name	FIRST GUARANTY MORTGAGE CORP
Type	Mortgage Company
Address	PLANO, TX 75024

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2050

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 4, 2019
Property Address	1547 READE CIR, SAINT CLOUD, FL 34772-7419
Document Number	0055342529
Book / Page	5534 / 2529
Map Reference	MB 7 PG 144
Instrument Date	May 31, 2018
Instrument	2019071450
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,505.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4681 HUNTING LODGE DR, 4681, SAINT CLOUD, FL 34772-8067

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1547 READE CIR, SAINT CLOUD, FL 34772-7419

Mortgage

Document Number	0055342530
Date	Jun 4, 2019
Instrument	5534/2530

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2049

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	$4,997.00 (+9%)	$279,000 (+51.49%) Land $70,000 Building $209,000	$279,000 (+1.16%) Land $70,000 Building $209,000
2024	$2,630.00 (+2.85%)
2023	$2,557.00 (+3.82%) Homeowner's exemption	$184,167 (+3%)	$275,800 (+18.37%) Land $60,000 Building $215,800
2022	$2,463.00 Homeowner's exemption	$178,803	$233,000 Land $55,000 Building $178,000

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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