Osceola County property record for 1909 Nicholas Pl, Saint Cloud, FL 34771 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 2003 |
| Square Footage | 1,654 sqft Heated Area |
| Lot Size | 13,068 sqft (0.3 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $360,000 (2022) |
| Tax Bill | $5,136.00 (2025) |
| Primary APN | 96154 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,654 sqft Heated Area |
| Gross Area | 2,212 sqft Gross Area |
| 1st Floor Area | 1,654 sqft 1st Floor |
| Stories | 1 Story |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2003 |
|---|---|
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 13,068 sqft (0.3 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Finished |
| Garage Area | 462 sqft Garage |
| Fence | Fence |
|---|---|
| Shed | 1 Shed |
| Shed Area | 90 sqft Shed |
| Patio Area | 100 sqft Patio |
| Porch | Open Porch |
| Porch Area | 96 sqft Porch |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 96154 |
|---|---|
| Old Parcel Number | 062631257700010770 |
| Street Address | 1909 NICHOLAS PL |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-8904 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ASHLEY OAKS II PB 9 PG 154 LOT 77 |
| Legal Range | 31E |
| Legal Township | 26S |
| Legal Section | 06 |
| Legal Subdivision | ASHLEY OAKS |
| Legal Tract | 64 |
| Legal Block | 1 |
| Legal Lot Number | 77 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 43600 |
Source: Osceola County records · APN 96154
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 Record | Individual Name on File |
|---|---|
| Mailing Address | 1909 NICHOLAS PL, SAINT CLOUD, FL 34771-8904 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 04, 2022 | Warranty Deed, Transfer · FHA Mortgage MY MORTGAGE INC |
| Nov 24, 2020 | Deed of Trust, Mortgage · Conventional Mortgage TRUSTCO BANK |
| May 08, 2020 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| Dec 27, 2019 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| Apr 09, 2019 | Warranty Deed, Transfer · Conventional Mortgage QUICKEN LNS |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | May 04, 2022 · Amount on Record |
| Deed Sale | May 04, 2022 · Amount on Record |
| Prior Sale | Apr 09, 2019 · Amount on Record |
| Deed Document Number | 2022071317 |
| Deed Book / Page | 6207 / 2505 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | May 04, 2022 |
| Property Address | 1909 NICHOLAS PL, SAINT CLOUD, FL 34771-8904 |
| Document Number | 0062072505 |
| Book / Page | 6207 / 2505 |
| Map Reference | MB 9 PG 154 |
| Instrument Date | Apr 27, 2022 |
| Instrument | 2022071317 |
| Transaction Type | Transfer |
| Record Updated | May 13, 2022 |
| Title Company | CELEBRATION TITLE GROUP |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,520.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4173 MAU MAU LN, 4173, ORLANDO, FL 32822-5689 |
| Name | Verified Name |
|---|---|
| Address | 1909 NICHOLAS PL, SAINT CLOUD, FL 34771-8904 |
| Document Number | 0062072513 |
|---|---|
| Date | May 04, 2022 |
| Instrument | 6207/2513 |
| Name | MY MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1909 NICHOLAS PL, SAINT CLOUD, FL 34771-8904 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|---|
| Address | 1909 NICHOLAS PL, SAINT CLOUD, FL 34771-8904 |
| Document Number | 0058390347 |
|---|---|
| Date | Nov 24, 2020 |
| Book Page | 5839/347 |
| Instrument | 2020160748 |
| Name | TRUSTCO BANK |
|---|---|
| Type | Bank |
| Address | LONGWOOD, FL 32750 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 16, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1909 NICHOLAS PL, SAINT CLOUD, FL 34771-8904 |
| Document Number | 0057222026 |
| Instrument Date | May 08, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 30, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1909 NICHOLAS PL ST CLOUD FL 347718904, ST CLOUD, FL 34771-8904 |
| Document Number | 0057222026 |
|---|---|
| Date | May 14, 2020 |
| Book Page | 005722/002026 |
| Instrument | 64396 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 13, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1909 NICHOLAS PL, SAINT CLOUD, FL 34771-8904 |
| Document Number | 0056511381 |
| Instrument Date | Dec 27, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jan 21, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1909 NICHOLAS PL ST CLOUD FL 347718904, ST CLOUD, FL 34771-8904 |
| Document Number | 0056511381 |
|---|---|
| Date | Jan 02, 2020 |
| Book Page | 005651/001381 |
| Instrument | 560 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 01, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Apr 09, 2019 |
| Property Address | 1909 NICHOLAS PL, SAINT CLOUD, FL 34771-8904 |
| Document Number | 0055042950 |
| Book / Page | 005504 / 002950 |
| Instrument Date | Apr 05, 2019 |
| Instrument | 44667 |
| Transaction Type | Transfer |
| Record Updated | Apr 24, 2019 |
| Title Company | WATSON TITLE SERVICES INC, WATSON TITLE SVCS INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,645.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1909 NICHOLAS PL ST CLOUD FL 347718904, ST CLOUD, FL 34771-8904 |
| Document Number | 55042952 |
|---|---|
| Date | Apr 09, 2019 |
| Book Page | 005504/002952 |
| Instrument | 44668 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 08, 2049 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,136.00 (+6.01%) Homeowner's exemption | $329,831 (+5.99%) | $331,800 (+6.62%) Land $70,000 Building $261,800 |
| 2023 | $4,845.00 (+57.87%) Homeowner's exemption | $311,200 (+46.49%) Land $60,000 Building $251,200 | $311,200 (+27.33%) Land $60,000 Building $251,200 |
| 2022 | $3,069.00 Homeowner's exemption | $212,434 | $244,400 Land $50,000 Building $194,400 |
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
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Low above 36% of the US · above 10% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 2,439 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values are read at the parcel center point; lenders make the official flood determination.
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