2908 10th St, Saint Cloud, FL 34769 Property Records

Osceola County property record for 2908 10th St, Saint Cloud, FL 34769

Property Summary

Property Type	Mobile Home
Details	2 bd · 1 ba · 852 sqft · built 1966
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individuals on Record
Last Sale	$32,500 (Jul 2020)
Tax Bill	$306 (2025)
Deeds & Mortgages	Jul 2020 Sale Jul 2020 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`81991`

Property Details

APN / Parcel Number

Primary APN	`81991`
Alternative APN	`032630495000014080`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	852 sqft Heated Area
Gross Area	1,574 sqft
1st Floor Area	624 sqft
Flooring	Carpet
Interior Walls	Paneling

Exterior

Year Built	Built 1966
Architectural Style	Mobile/Manufactured
Exterior Material	Aluminum Siding
Foundation Type	Pier/Post & Beam
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	10,019 sqft (0.23 acres)
Lot Dimensions	111 ft deep x 90 ft wide
Garage Type	Carport
Carport	Carport
Carport Area	522 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Enclosed Porch
Porch Area	428 sqft
Shed	1 Shed
Shed Area	165 sqft

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Account Number	81991
Street Address	2908 10TH ST
City	SAINT CLOUD
State	FL
Zip	34769-4009
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Local Zoning Code	RMH
Legal Description	BEG 222 FT W OF W LINE COLUMBIA AVE & N LINE 10TH ST, N 111 FT, W 90.65 FT S 111 FT, E 90.65 FT TO POB
Legal Range	30E
Legal Township	26S
Legal Section	03
Legal Subdivision	WEST OF COLUMBIA ST CLOUD
Legal Tract	4950
Legal Block	1
Legal Lot Number	408
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2022
Census Tract	43203

Owner

Source: Osceola County assessment roll, as of July 1, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individuals on Record
Mailing Address	2908 10TH ST, SAINT CLOUD, FL 34769-4009
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 27, 2020	Warranty Deed, Transfer STEWART TITLE
Jul 27, 2020	Warranty Deed, Transfer STEWART TITLE
Jul 27, 2020	Warranty Deed, Transfer STEWART TITLE
Jul 27, 2020	Warranty Deed, Transfer STEWART TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 27, 2020 · Amount on Record
Deed Sale	Jul 27, 2020 · Amount on Record
Prior Sale	Jul 27, 2020 · Amount on Record
Deed Document Number	2020097817
Deed Book / Page	5762 / 1943
Record Updated	Jun 8, 2026

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 27, 2020
Property Address	2908 10TH ST, SAINT CLOUD, FL 34769-4009
Document Number	0057621943
Book / Page	005762 / 001943
Instrument Date	Jul 24, 2020
Instrument	97817
Transaction Type	Transfer
Record Updated	Sep 2, 2020
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Tax	$228.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2908 10TH ST ST CLOUD FL 347694009, ST CLOUD, FL 34769-4009

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 27, 2020
Property Address	2908 10TH ST, SAINT CLOUD, FL 34769-4009
Document Number	0057621941
Book / Page	005762 / 001941
Instrument Date	Jul 24, 2020
Instrument	97816
Transaction Type	Transfer
Record Updated	Sep 2, 2020
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Tax	$228.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2908 10TH ST ST CLOUD FL 347694009, ST CLOUD, FL 34769-4009

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 27, 2020
Property Address	2908 10TH ST, SAINT CLOUD, FL 34769-4009
Document Number	0057621939
Book / Page	005762 / 001939
Instrument Date	Jul 24, 2020
Instrument	97815
Transaction Type	Transfer
Record Updated	Sep 2, 2020
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Tax	$228.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2908 10TH ST ST CLOUD FL 347694009, ST CLOUD, FL 34769-4009

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 27, 2020
Property Address	2908 10TH ST, SAINT CLOUD, FL 34769-4009
Document Number	0057621937
Book / Page	005762 / 001937
Instrument Date	Jul 24, 2020
Instrument	97814
Transaction Type	Transfer
Record Updated	Sep 2, 2020
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Tax	$228.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2908 10TH ST ST CLOUD FL 347694009, ST CLOUD, FL 34769-4009

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$306.00 (+4.79%) Homeowner's exemption Senior Citizen's exemption	$61,954 (+5.99%)	$92,900 (+13.57%) Land $40,000 Building $52,900
2023	$292.00 (+3.18%) Homeowner's exemption Senior Citizen's exemption	$58,455 (+3%)	$81,800 (+29.43%) Land $35,000 Building $46,800
2022	$283.00 Homeowner's exemption Senior Citizen's exemption	$56,753	$63,200 Land $30,000 Building $33,200

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 71 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	71 in force
Nearby Flood Claims	2 (2017)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Sep 2017 · Hurricane Irma
Claims by Event	Hurricane Irma, Sep 2017 · 2 claims

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 93% of the US · lower than 94% of Florida
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ST. CLOUD, CITY OF (3 WPS) serves 82,752 people · EPA ID FL3491373
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	2 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 539 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	8,000 / 8,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

May also be available: AT&T, Verizon.

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