2819 13th St, Saint Cloud, FL 34769 Property Records

Osceola County property record for 2819 13th St, Saint Cloud, FL 34769 · Last verified December 2025

Property Summary

Property Type	Bank, Financial Building
Details	1 ba · 2,643 sqft · built 2017
Lot Size	0.919 acres (40,075 sqft)
Owner	Company Name on File
Last Sale	$1,426,700 (Mar 2025)
Tax Bill	$17,279 (2025)
Flood Zone	Zone X (minimal risk)
APN	`78618`

Property Details

APN / Parcel Number

Primary APN	`78618`
Alternative APN	`012630000102610210`

Interior

Full Baths	1 Bath
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	2,643 sqft Heated Area
Gross Area	4,510 sqft
1st Floor Area	2,643 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Exterior Material	Concrete Block
Fire Resistance	Wood or Wood & Steel Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	40,075 sqft (0.919 acres)
Lot Dimensions	100 ft deep x 142 ft wide
Porch	Open Porch
Porch Area	429 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	78618
Street Address	2819 13TH ST
City	SAINT CLOUD
State	FL
Zip	34769-4134
Property Category	Commercial
Property Type	Commercial > Office > Bank, Financial Building
Legal Description	ST CLOUD PB B PG 34 BLK 261 COM AT NE COR OF LOT 3, S 249.90 FT, S 109.85 FT TO POB; CON'T W 158.26 FT TO A PT ON E R/W LINE
Legal Range	30E
Legal Township	26S
Legal Section	01
Legal Subdivision	ST CLOUD HWY CENTRAL
Legal Tract	1
Legal Block	261
Legal Lot Number	3 22
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	4
Census Block	4035
Census Tract	43400

Owner

Source: Osceola County records · APN 78618

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	Company Name on File
Mailing Address	30 N LA SALLE ST STE 4140, 4140, CHICAGO, IL 60602-2900
Owner Type	Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Mar 10, 2025 · Amount on Record
Deed Sale	Mar 10, 2025 · Amount on Record
Prior Sale	Apr 12, 1996 · Amount on Record
Deed Document Number	2025029365
Deed Book / Page	6751 / 1099
Record Updated	Jun 08, 2026

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	$17,279.00 (+15.61%)	$965,400 (+16.33%) Land $545,100 Building $420,300	$965,400 (+16.33%) Land $545,100 Building $420,300
2023	$14,946.00 (+7.16%)	$829,900 (+7.22%) Land $413,900 Building $416,000	$829,900 (+7.22%) Land $413,900 Building $416,000
2022	$13,948.00	$774,000 Land $344,900 Building $429,100	$774,000 Land $344,900 Building $429,100

Flood & Wildfire

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

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 4 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	4 in force 4 of 4 on primary residences
Nearby Flood Claims	5 (2009–2022)
Claims Outside the SFHA	5 of 5
Most Recent Claim	Sep 2022, tidal / storm surge, Hurricane Ian

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; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.