2323 10th St, Saint Cloud, FL 34769 Property Records

Osceola County property record for 2323 10th St, Saint Cloud, FL 34769 · Last verified December 2025

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	2 Baths
Year Built	Built 1969
Square Footage	1,462 sqft Heated Area
Lot Size	7,405 sqft (0.169 acres)
Occupancy	Owner Occupied
Last Sale	$118,000 (2014)
Tax Bill	$1,291.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`77789`
Alternative APN	`012630000101510210`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,462 sqft Heated Area
Gross Area	2,008 sqft Gross Area
1st Floor	1,231 sqft 1st Floor
Stories	1 Stories
Primary Flooring	Tile Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 1969
Exterior Material	Concrete Block Exterior
Foundation Type	Footing Foundation
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	7,405 sqft (0.169 acres)
Depth X Width	100 ft x 75 ft Depth x Width
Parking Spaces	1 Parking Spaces
Garage Type	Carport Garage
Carport	Carport

Exterior Amenities

Fence	Fence
Shed	1 Shed
Shed Area	120 sqft Shed
Porch	Enclosed Porch
Porch Area	437 sqft Porch

Utilities and HVAC

Cooling System	A/C Package Cooling
Heating System	HVAC Heating

Location & Zoning

Account Number	77789
Street Address	2323 10TH ST
City	SAINT CLOUD
State	FL
Zip	34769-3510
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	ST CLOUD PB B PG 34 BLK 151 W 1/2 LOTS 21-24 3/26/30
Legal Range	30E
Legal Township	26S
Legal Section	01
Legal Subdivision	ST CLOUD
Legal Tract	1
Legal Block	151
Legal Lot Number	21 22
Jurisdiction	OSCEOLA FL
Minor Civil Division	ST. CLOUD
Census Blockgroup	4
Census Block	4013
Census Tract	43400

Owner

Source: Osceola County records · APN 77789

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	Owner Name on File
Mailing Address	2323 10TH ST, SAINT CLOUD, FL 34769-3510
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Assessor's Deed Record

Last Sale	Jun 27, 2014 · Amount on Record
Deed Sale	Jun 27, 2014 · Amount on Record
Prior Sale	Dec 30, 2013 · Amount on Record
Deed Doc Number	2014092011
Deed Book / Page	4629 / 2171
Record Refreshed	Jun 08, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2323 10TH ST, SAINT CLOUD, FL 34769-3510
Transaction Type	Mortgage
Record Updated	Feb 05, 2021
Title Company	FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2323 10TH ST, SAINT CLOUD, FL 34769-3510

Mortgage

Document Number	0057860007
Date	Sep 02, 2020
Book Page	5786/7
Instrument	2020116365

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	DES MOINES, IA 50328

Agreement

Type	Federal Housing Administration (FHA) Mortgage
Amount	Amount Recorded
Term	286 Months
Due	Jul 01, 2044

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 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

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	$1,291.00 (+7.94%) Homeowner's exemption	$115,049 (+5.99%)	$264,900 (+13.21%) Land $46,800 Building $218,100
2023	$1,196.00 (+4.91%) Homeowner's exemption	$108,551 (+3%)	$234,000 (+18.42%) Land $42,500 Building $191,500
2022	$1,140.00 Homeowner's exemption	$105,390	$197,600 Land $35,100 Building $162,500

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 Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Low above 7% of the US · above 6% of Florida
Wildfire Likelihood	About 1 in 4,545 per year
Exposure	Direct burnable vegetation at the parcel

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