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2725 10th St, Saint Cloud, FL 34769 Property Records

Osceola County property record for 2725 10th St, Saint Cloud, FL 34769 · Last verified December 2025

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms2 Baths
Year BuiltBuilt 1978
Square Footage1,040 sqft Heated Area
Lot Size10,454 sqft (0.239 acres)
OccupancyOwner Occupied
Last Sale$325,000 (2023)
Tax Bill$3,712.00 (2025)

Property Details

APN / Parcel Number

Primary APN77756
Alternative APN
  • 012630000101470200

Interior

Bedrooms3 Beds
Full Baths2 Baths
Building Area1,040 sqft Heated Area
Gross Area1,442 sqft Gross Area
1st Floor1,040 sqft 1st Floor
Stories1 Stories
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 1973
Effective Year BuiltEffective 1978
Exterior MaterialConcrete Block Exterior
Foundation TypeFooting Foundation
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area10,454 sqft (0.239 acres)
Depth X Width150 ft x 70 ft Depth x Width
Garage TypeCarport Garage
CarportCarport

Exterior Amenities

FenceFence
Shed1 Shed
Shed Area120 sqft Shed
PorchOpen Porch
Porch Area90 sqft Porch

Utilities and HVAC

Cooling SystemA/C Package Cooling
Heating SystemHVAC Heating

Location & Zoning

Account Number77756
Street Address2725 10TH ST
CitySAINT CLOUD
StateFL
Zip34769-3544
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionST CLOUD PB B PG 34 BLK 147 LOTS 20-22 3/26/30
Legal Range30E
Legal Township26S
Legal Section01
Legal SubdivisionST CLOUD
Legal Tract1
Legal Block147
Legal Lot Number20 21
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup4
Census Block4009
Census Tract43400

Owner

Source: Osceola County records · APN 77756

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 RecordIndividual Name on File
Co-ownerVerified Secondary Owner
Mailing Address2725 10TH ST, SAINT CLOUD, FL 34769-3544
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Sep 01, 2023Special Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage
NEWREZ LLC
May 12, 2020Deed of Trust, Mortgage · Conventional Mortgage
CENTRALIZED SVCNG CTR-USDA
May 12, 2020Loan Modification, Mortgage · Conventional Mortgage
PENNYMAC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleSep 01, 2023 · Amount on Record
Deed SaleSep 01, 2023 · Amount on Record
Prior SaleMay 30, 2014 · Amount on Record
Deed Doc Number2023115338
Deed Book / Page6467 / 1554
Record RefreshedJun 08, 2026

September 2023: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionOSCEOLA FL
Recording DateSep 01, 2023
Property Address2725 10TH ST, SAINT CLOUD, FL 34769-3544
Document Number0064671554
Book / Page6467 / 1554
Map ReferenceMB B PG 33&34
Instrument DateAug 31, 2023
Instrument2023115338
Transaction TypeTransfer
Record UpdatedSep 18, 2023
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,275.00
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address4103 BOB WHITE CT, SAINT CLOUD, FL 34772-7793

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenant/Joint Tenant w/ Right Of Survivorship
Address350 PARKLAND CIR UNIT 304, 304, KISSIMMEE, FL 34744-4593

Mortgage

Document Number0064671556
DateSep 01, 2023
Instrument6467/1556
Lender
NameNEWREZ LLC
TypeMortgage Company
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term360 Months
DueSep 01, 2053

May 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address2725 10TH ST, SAINT CLOUD, FL 34769-3544
Document Number0057320079
Instrument DateMay 12, 2020
Transaction TypeMortgage
Record UpdatedJul 30, 2020
Title CompanyPENNYMAC LOAN SERVICES LLC, PENNYMAC LN SVCS LLC

Transferred To (Grantee/Buyer)

NameVerified Name
Address2725 10TH ST ST CLOUD FL 347693544, ST CLOUD, FL 34769-3544

Mortgage

Document Number0057320079
DateJun 04, 2020
Book Page005732/000079
Instrument71788
Lender
NameCENTRALIZED SVCNG CTR-USDA
AddressSAINT LOUIS, MO 63120-1703
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueJun 03, 2050

May 2020: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionOSCEOLA FL
Property Address2725 10TH ST, SAINT CLOUD, FL 34769-3544
Document Number0057352017
Instrument DateMay 12, 2020
Transaction TypeMortgage
Record UpdatedJul 30, 2020
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address2725 10TH ST ST CLOUD FL 347693544, ST CLOUD, FL 34769-3544

Mortgage

Document Number0057352017
DateJun 11, 2020
Book Page005735/002017
Instrument74573
Lender
NamePENNYMAC
AddressMOORPARK, CA 93021
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueJun 10, 2050
Interest
Rate TypeFixed Rate

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, not market price estimates; both are a fraction of this property's market value.

YearTax BillAssessed ValueAssessed Market Value
2025$3,712.00 (+358.84%) Homeowner's exemption$250,300 (+187.35%) Land $55,000 Building $195,300$250,300 (+28.82%) Land $55,000 Building $195,300
2023$809.00 (-51.41%) Homeowner's exemption$87,107 (+3%)$194,300 (+16.21%) Land $50,000 Building $144,300
2022$1,665.00 Homeowner's exemption$84,570$167,200 Land $45,000 Building $122,200

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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