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1615 12th St, Saint Cloud, FL 34769 Property Records

Osceola County property record for 1615 12th St, Saint Cloud, FL 34769 · Last verified December 2025

Property Summary

Property TypeSingle Family Home
Details1 ba · 946 sqft · built 1924
Lot Size0.08 acres (3,485 sqft)
OwnerOwner Name on File
Last Sale$41,000 (Dec 1997)
Tax Bill$377 (2025)
Deeds & MortgagesAug 2023 Line of Credit
Flood ZoneZone X (minimal risk)
APN78340

Property Details

APN / Parcel Number

Primary APN78340
Alternative APN
  • 012630000102160220

Interior

Full Baths1 Bath
Stories1 Story
Building Area946 sqft Heated Area
Gross Area1,129 sqft
1st Floor Area946 sqft
FlooringWood
Interior WallsPlaster

Exterior

Year BuiltBuilt 1924
Effective Year BuiltEffective 1980
Exterior MaterialAluminum Siding
Foundation TypePier/Post & Beam
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area3,485 sqft (0.08 acres)
Lot Dimensions75 ft deep x 45 ft wide
PorchOpen Porch
Porch Area183 sqft
FenceFence

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Account Number78340
Street Address1615 12TH ST
CitySAINT CLOUD
StateFL
Zip34769-3678
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionST CLOUD PB B PG 34 BLK 216 E 45 FT OF LOTS 22-24 2/26/30
Legal Range30E
Legal Township26S
Legal Section01
Legal SubdivisionST CLOUD HWY CENTRAL
Legal Tract1
Legal Block216
Legal Lot Number22 23
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1036
Census Tract43400

Owner

Source: Osceola County records · APN 78340

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 RecordOwner Name on File
Mailing Address1615 12TH ST, SAINT CLOUD, FL 34769-3678
OccupancyOwner Occupied

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleDec 11, 1997 · Amount on Record
Deed SaleDec 11, 1997 · Amount on Record
Deed Document Number0145601377
Deed Book / Page01456 / 01377
Record UpdatedJun 08, 2026

August 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address1615 12TH ST, SAINT CLOUD, FL 34769-3678
Transaction TypeMortgage
Record UpdatedAug 31, 2023

Transferred To (Grantee/Buyer)

NameVerified Name
Address1615 12TH ST, SAINT CLOUD, FL 34769-3678

Mortgage

Document Number0064590708
DateAug 17, 2023
Book Page6459/708
Instrument2023107889
Lender
NameBANK OF AMERICA NA
TypeBank
AddressCHARLOTTE, NC 28255
Agreement
TypeLine of Credit
AmountAmount Recorded
Term360 Months
DueAug 05, 2053
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

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$377.00 (+13.21%) Homeowner's exemption$45,874 (+5.98%)$109,300 (+12.8%) Land $41,500 Building $67,800
2023$333.00 (+7.42%) Homeowner's exemption$43,284 (+3%)$96,900 (+15.22%) Land $31,500 Building $65,400
2022$310.00 Homeowner's exemption$42,024$84,100 Land $26,300 Building $57,800

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.

Historic Designation

Source: NPS National Register of Historic Places · August 1, 2026 release · Last verified October 2026

Historic DistrictWithin the St. Cloud Downtown Historic District
listed 2023 · 177 contributing resources · NRIS 100009031

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

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.

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