Osceola County property record for 2818 13th St, Saint Cloud, FL 34769 · Last verified April 2026
| Property Type | Restaurant |
|---|---|
| Details | 2,810 sqft · built 1983 |
| Lot Size | 0.78 acres (33,976 sqft) |
| Owner | Company Name on File |
| Last Sale | $1,839,000 (Mar 2026) |
| Tax Bill | $15,431 (2025) |
| Deeds & Mortgages | Mar 2026 Sale & Mortgage Nov 2019 Loan Modification + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-26-30-0001-0204-0150 |
| Primary APN | 01-26-30-0001-0204-0150 |
|---|---|
| Alternative APNs |
|
| Plumbing Fixtures | 9 Plumbing Fixtures |
|---|---|
| Total Rooms | 5 Rooms |
| Units | 2 Units |
| Stories | 1 Story |
| Building Area | 2,810 sqft Gross Area |
| 1st Floor Area | 2,810 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1983 |
|---|---|
| Effective Year Built | Effective 2005 |
| Architectural Style | Custom Design |
| Exterior Material | Brick |
| Construction Type | Brick |
| Fire Resistance | Wood or Wood & Steel Frame |
| Roof Type | Flat |
| Roof Material | Metal |
| Lot Area | 33,976 sqft (0.78 acres) |
| Lot Dimensions | 265 ft deep x 150 ft wide |
| Garage Area | 40 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 2818 13TH ST |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-4135 |
| Property Category | Commercial |
| Property Type | Commercial > Retail > Restaurant |
| Legal Description | ST CLOUD PB B PG 33 & 34 BLOCK 204 LOTS 15-24 LESS COM AT NE COR OF LOT 24, W 128.52 FT TO NW COR LOT 24, S 231.73 FT TO POB; S 49 DEG E 27.68 FT, W 21 FT, N 18 FT TO POB LESS ANY RW |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD 2ND PLAT TOWN OF |
| Legal Tract | 1 |
| Legal Block | 204 |
| Legal Lot Number | 15 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 4 |
| Census Block | 4023 |
| Census Tract | 43400 |
Source: Osceola County records · APN 01-26-30-0001-0204-0150
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 Record | Company Name on File |
|---|---|
| Mailing Address | E 58TH ST 3FL, 3FL, NEW YORK, NY 10022 |
| Owner Type | Company |
| Vesting | Limited Liability Partnership |
| Date | Document |
|---|---|
| Mar 13, 2026 | Special Warranty Deed, Transfer · Balloon Mortgage BIG CONTINENT INC |
| Nov 25, 2019 | Loan Modification, Mortgage · Line of Credit REGIONS BK |
| Nov 25, 2019 | Special Warranty Deed, Transfer · Commercial Mortgage ATTORNEY |
| Mar 14, 2018 | Loan Modification, Mortgage · Line of Credit REGIONS BK/FAYETTE |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Mar 13, 2026 · Amount on Record |
| Deed Sale | Mar 13, 2026 · Amount on Record |
| Prior Sale | Nov 25, 2019 · Amount on Record |
| Deed Document Number | 202633101 |
| Deed Book / Page | 6936 / 2242 |
| Prior Transfer Date | Dec 07, 2009 |
| Prior Transfer Doc | 0039311272 |
| Record Updated | Jun 08, 2026 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Mar 13, 2026 |
| Property Address | 2818 13TH ST, SAINT CLOUD, FL 34769-4135 |
| Document Number | 0069362242 |
| Book / Page | 6936 / 2242 |
| Map Reference | MB 4313 PG 2119 |
| Instrument Date | Mar 03, 2026 |
| Instrument | 2026033101 |
| Transaction Type | Transfer |
| Record Updated | Mar 26, 2026 |
| Title Company | INVESTMENT TITLE OF FL LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $12,873.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 143 SCARBOROUGH RD, BELLE MEAD, NJ 08502-5862 |
| Name | Verified Name |
|---|---|
| Address | 353 E 58TH ST # 3FL, 3FL, NEW YORK, NY 10022-2289 |
| Document Number | 0069362246 |
|---|---|
| Date | Mar 13, 2026 |
| Book Page | 6936/2246 |
| Instrument | 2026033102 |
| Name | BIG CONTINENT INC |
|---|---|
| Type | Non-Lending Institution |
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 36 Months |
| Due | Feb 28, 2029 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Nov 25, 2019 |
| Property Address | 2818 13TH ST, SAINT CLOUD, FL 34769-4135 |
| Document Number | 0056292329 |
| Book / Page | 005629 / 002329 |
| Instrument Date | Nov 22, 2019 |
| Instrument | 153515 |
| Transaction Type | Mortgage |
| Record Updated | Dec 27, 2019 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 1146 CELEBRATION BLVD CELEBRATION FL 347474605, CELEBRATION, FL 34747-4605 |
| Document Number | 56292329 |
|---|---|
| Date | Nov 25, 2019 |
| Book Page | 005629/002329 |
| Instrument | 153515 |
| Name | REGIONS BK |
|---|---|
| Type | Bank |
| Address | 1180 W PEACHTREE ST NW # 1250, ATLANTA, GA 30309-3481 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Nov 24, 2024 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Nov 25, 2019 |
| Property Address | 2818 13TH ST, SAINT CLOUD, FL 34769-4135 |
| Document Number | 0056292240 |
| Book / Page | 5629 / 2240 |
| Map Reference | MB B PG 33&34 |
| Instrument Date | Nov 22, 2019 |
| Instrument | 2019153509 |
| Transaction Type | Transfer |
| Record Updated | Feb 06, 2021 |
| Title Company | ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $11,739.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1146 CELEBRATION BLVD, 1146, KISSIMMEE, FL 34747-4605 |
| Name | Verified Name |
|---|---|
| Address | 143 SCARBOROUGH RD, BELLE MEAD, NJ 08502-5862 |
| Document Number | 0000000000 |
|---|---|
| Date | Nov 25, 2019 |
| Instrument | 5629-2246 |
| Type | Bank |
|---|
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Dec 01, 2044 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Mar 14, 2018 |
| Property Address | 2818 13TH ST, SAINT CLOUD, FL 34769-4135 |
| Document Number | 0053002548 |
| Book / Page | 005300 / 002548 |
| Instrument Date | Mar 02, 2018 |
| Instrument | 41922 |
| Transaction Type | Mortgage |
| Record Updated | Apr 06, 2018 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 1146 CELEBRATION BLVD CELEBRATION FL 347474605, CELEBRATION, FL 34747-4605 |
| Document Number | 53002548 |
|---|---|
| Date | Mar 14, 2018 |
| Book Page | 005300/002548 |
| Instrument | 41922 |
| Name | REGIONS BK/FAYETTE |
|---|---|
| Type | Bank |
| Address | 1180 W PEACHTREE ST NW # 1250, ATLANTA, GA 30309-3481 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Mar 13, 2023 |
| Rate Type | Adjustable Rate |
|---|
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $15,431.00 (+12.15%) | $1,195,600 (+55.24%) Land $513,900 Building $681,700 | $1,195,600 (+55.24%) Land $513,900 Building $681,700 |
| 2024 | $13,759.00 (+17.63%) | ||
| 2023 | $11,697.00 (+14.92%) | $770,156 (+25%) Land $390,200 Building $379,956 | $770,156 (+25%) Land $390,200 Building $379,956 |
| 2022 | $10,178.00 | $616,125 Land $325,200 Building $290,925 | $616,125 Land $325,200 Building $290,925 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970434004, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 4 in force |
| Nearby Flood Claims | 5 (2009–2022) |
| Claims Outside the SFHA | 5 of 5 |
| Most Recent Claim | Sep 2022, tidal / storm surge, Hurricane Ian |
| 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; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 400 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Lumen Technologies | Fiber | 8,000 / 8,000 |
| Spectrum | Cable | 1,000 / 1,000 |
| Verizon | Fixed Wireless | 300 / 20 |
| Starlink | Satellite (low-earth orbit) | 280 / 30 |
May also be available at this address: Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.
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