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1815 E 10th St, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1815 E 10th St, Saint Cloud, FL 34771 · Last verified April 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms2 Baths
Year BuiltBuilt 1988
Square Footage1,488 sqft Living Area
Lot Size12,588 sqft (0.289 acres)
OccupancyOwner Occupied
Last Sale$122,000 (2001)
Tax Bill$1,691.00 (2025)

Property Details

APN / Parcel Number

Primary APN06-26-31-7500-0001-0241
Alternative APNs
  • 263106750000010241
  • 96374

Interior

Bedrooms3 Beds
Full Baths2 Baths
Building Area1,488 sqft Living Area
Gross Area1,996 sqft Gross Area
1st Floor1,488 sqft 1st Floor
Stories1 Stories
Primary FlooringCarpet Flooring
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 1988
Effective Year BuiltEffective 1988
Architectural StyleConventional Style
Exterior MaterialConcrete Block Exterior
Construction TypeMasonry/Concrete Masonry Units (CMUs) Construction
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area12,588 sqft (0.289 acres)
Depth X Width151 ft x 90 ft Depth x Width
Parking Spaces2 Parking Spaces
Garage TypeAttached Garage
Garage Area460 sqft Garage

Exterior Amenities

Pool TypeIn-Ground Pool Pool Type
Pool Area448 sqft Pool
Shed1 Shed
Shed Area120 sqft Shed
Deck Area560 sqft Deck
Porch Area208 sqft Porch

Utilities and HVAC

Cooling SystemA/C Package Cooling
Heating SystemHVAC Heating

Location & Zoning

Street Address1815 E 10TH ST
CitySAINT CLOUD
StateFL
Zip34771-4837
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionS L & I C BEG 82.5 FT S & 210 FT W OF SE COR LOT 390, W 90 FT, N 151.59 FT, E 90 FT, S 150.58 FT TO POB AKA PT TRACT 24 ARROWHEAD COUNTRY EST
Legal Range31E
Legal Township26S
Legal Section06
Legal SubdivisionARROWHEAD COUNTRY ESTATES UNREC
Legal Tract24
Legal Block241
Legal Lot Number390
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup2
Census Block2036
Census Tract43600

Owner

Source: Osceola County records · APN 06-26-31-7500-0001-0241

Assessment roll updated November 26, 2025 · Last verified April 2026

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

Owner of Record2 Individual Names on File
Mailing Address1815 E 10TH ST, SAINT CLOUD, FL 34771-4837
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Nov 07, 2023Deed of Trust, Mortgage · Reverse Mortgage
FINANCE OF AMERICA REVERSE LLC
Nov 08, 2021Deed of Trust, Mortgage · Conventional Mortgage
WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJul 27, 2001 · Amount on Record
Deed SaleJul 27, 2001 · Amount on Record
Deed Book / Page1909 / 1197
Record RefreshedJun 08, 2026

November 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address1815 E 10TH ST, SAINT CLOUD, FL 34771-4837
Transaction TypeMortgage
Record UpdatedDec 06, 2023
Title CompanyATLANTIS TITLE COMPANY, ATLAS TITLE COMPANY

Transferred To (Grantee/Buyer)

NameVerified Name
Address1815 E 10TH ST, SAINT CLOUD, FL 34771-4837

Mortgage

Document Number0065011566
DateNov 07, 2023
Book Page6501/1566
Instrument2023146738
Lender
NameFINANCE OF AMERICA REVERSE LLC
TypeReverse Mortgage Lender
AddressTULSA, OK 74133
Agreement
TypeReverse Mortgage
AmountAmount Recorded
Term960 Months
DueNov 28, 2103
Interest
Rate TypeAdjustable Rate
Rate7.33%
AdjustableDocument includes a rider for adjustable-rate mortgage with a specific rate change date.
Type Change DateDec 01, 2023
Change FrequencyMonthly (Revolving credit lines are monthly unless stated otherwise).
Index52-Week T-Bill (1-Year)
Max Rate12.3%

November 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address1815 E 10TH ST, SAINT CLOUD, FL 34771-4837
Transaction TypeMortgage
Record UpdatedNov 26, 2021

Transferred To (Grantee/Buyer)

NameVerified Name
Address1815 E 10TH ST, SAINT CLOUD, FL 34771-4837

Mortgage

Document Number0060812111
DateNov 08, 2021
Book Page6081/2111
Instrument2021173231
Lender
NameWELLS FARGO BANK NA
TypeBank
AddressSIOUX FALLS, SD 57104
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term120 Months
DueNov 01, 2031

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 2026

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
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$1,691.00 (+10.6%) Homeowner's exemption$111,487 (+5.99%)$304,200 (+16.87%) Land $67,500 Building $236,700
2023$1,529.00 (+6.03%) Homeowner's exemption$105,190 (+3%)$260,300 (+24.07%) Land $46,800 Building $213,500
2022$1,442.00 Homeowner's exemption$102,127$209,800 Land $46,800 Building $163,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

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