2523 10th St, Saint Cloud, FL 34769 Property Records

Osceola County property record for 2523 10th St, Saint Cloud, FL 34769 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 988 sqft · built 1970
Lot Size	0.21 acres (9,148 sqft)
Owner	Individual Name on File
Last Sale	$195,000 (Sep 2021)
Tax Bill	$2,435 (2025)
Deeds & Mortgages	Sep 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`77774`

Property Details

APN / Parcel Number

Primary APN	`77774`
Alternative APN	`012630000101490205`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	988 sqft Heated Area
Gross Area	1,380 sqft
1st Floor Area	844 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1980
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,148 sqft (0.21 acres)
Lot Dimensions	80 ft deep x 112 ft wide
Garage Type	Carport
Carport	Carport

Exterior Amenities

Porch	Enclosed Porch
Porch Area	176 sqft
Fence	Fence
Shed	1 Shed
Shed Area	160 sqft

Utilities, Heating & Cooling

Heating System	Radiant

Location & Zoning

Account Number	77774
Street Address	2523 10TH ST
City	SAINT CLOUD
State	FL
Zip	34769-3540
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ST CLOUD PB B PG 34 BLK 149 W 80 FT LOTS 20-24 3/26/30
Legal Range	30E
Legal Township	26S
Legal Section	01
Legal Subdivision	ST CLOUD
Legal Tract	1
Legal Block	149
Legal Lot Number	20 21
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	4
Census Block	4011
Census Tract	43400

Owner

Source: Osceola County records · APN 77774

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
Co-owner	Verified Secondary Owner
Mailing Address	2523 10TH ST, SAINT CLOUD, FL 34769-3540
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 20, 2021 · Amount on Record
Deed Sale	Sep 20, 2021 · Amount on Record
Prior Sale	Dec 01, 1998 · Amount on Record
Deed Document Number	2021144900
Deed Book / Page	6046 / 980
Record Updated	Jun 08, 2026

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 20, 2021
Property Address	2523 10TH ST, SAINT CLOUD, FL 34769-3540
Document Number	0060460980
Book / Page	6046 / 980
Map Reference	MB B PG 33
Instrument Date	Sep 17, 2021
Instrument	2021144900
Transaction Type	Transfer
Record Updated	Oct 01, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,365.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1649 SAIL DR, 1649, KISSIMMEE, FL 34759

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2523 10TH ST, SAINT CLOUD, FL 34769-3540

Mortgage

Document Number	6046981
Date	Sep 20, 2021
Instrument	6046/981

Lender

Name	CITIZENS BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2051

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	$2,435.00 (+6.75%) Homeowner's exemption	$178,923 (+5.99%)	$215,800 (+13.16%) Land $55,000 Building $160,800
2023	$2,281.00 (+3.97%) Homeowner's exemption	$168,817 (+3%)	$190,700 (+16.35%) Land $50,000 Building $140,700
2022	$2,194.00 Homeowner's exemption	$163,900 Land $45,000 Building $118,900	$163,900 Land $45,000 Building $118,900

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	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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