3 11th St, Saint Cloud, FL 34769 Property Records

Osceola County property record for 3 11th St, Saint Cloud, FL 34769

Property Summary

Property Type	Commercial Office
Details	1.5 ba · 4,579 sqft · built 2020
Lot Size	0.42 acres (18,295 sqft)
Owner	Company Name on Record
Last Sale	$200,000 (Jul 2018)
Tax Bill	$18,924 (2025)
Deeds & Mortgages	Apr 2021 Line of Credit Mar 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`01-26-30-0001-0354-0010`

Property Details

APN / Parcel Number

Primary APN	`01-26-30-0001-0354-0010`
Alternative APNs	`263001000103540010` `79389`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	15 Plumbing Fixtures
Stories	2 Stories
Building Area	4,579 sqft Gross Area
1st Floor Area	3,195 sqft
Upper Floors Area	896 sqft
Utility Area	1,240 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Custom Design
Exterior Material	Concrete Block
Construction Type	Frame
Fire Resistance	Fireproof Reinforced Concrete
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	18,295 sqft (0.42 acres)
Lot Dimensions	150 ft deep x 61 ft wide
Garage Area	20 sqft
Porch	Finished/Open Porch
Porch Area	304 sqft
Deck Area	60 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3 11TH ST
City	SAINT CLOUD
State	FL
Zip	34769-3922
Property Category	Commercial
Property Type	Commercial > Office > Commercial Office
Local Zoning Code	SP
Legal Description	ST CLOUD PB B PG 34 BLK 354 LOTS 1 & 4
Legal Range	30E
Legal Township	26S
Legal Section	01
Legal Subdivision	ST CLOUD 2ND PLAT TOWN OF
Legal Tract	1
Legal Block	354
Legal Lot Number	1
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	5
Census Block	5072
Census Tract	43500

Owner

Source: Osceola County records, as of August 11, 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 Record
Mailing Address	3 11TH ST, SAINT CLOUD, FL 34769-3922
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Apr 20, 2021	Quit Claim Deed, Transfer · Line of Credit BANKFLORIDA
Mar 18, 2020	Deed of Trust, Mortgage LORI GIAMBRONE
Oct 11, 2019	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 27, 2018 · Amount on Record
Deed Sale	Jul 27, 2018 · Amount on Record
Prior Sale	Jul 12, 2012 · Amount on Record
Deed Document Number	2018115099
Deed Book / Page	5374 / 2244
Transfer Doc	0059351772
Record Updated	Sep 20, 2026

April 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 20, 2021
Property Address	3 11TH ST, SAINT CLOUD, FL 34769-3922
Document Number	0059400739
Book / Page	5940 / 739
Map Reference	MB B PG 33&34
Instrument Date	Apr 16, 2021
Instrument	2021060121
Transaction Type	Transfer
Record Updated	Aug 1, 2022
Title Company	LAND TITLE CORPORATION, LAND TITLE PROFESSIONALS LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6320 OAK SHORE DR, 6320, SAINT CLOUD, FL 34771-8641

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 11TH ST, SAINT CLOUD, FL 34769-3922

Mortgage

Document Number	0059400747
Date	Apr 20, 2021
Book Page	5940/747
Instrument	2021060124

Lender

Name	BANKFLORIDA
Type	Bank
Address	DADE CITY, FL 33525

Agreement

Type	Line of Credit
Amount	Amount Recorded

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3 11TH ST, SAINT CLOUD, FL 34769-3922
Document Number	0056951538
Instrument Date	Mar 18, 2020
Transaction Type	Mortgage
Record Updated	Jun 8, 2020
Title Company	STEWART TITLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	6320 OAK SHORE DR ST CLOUD FL 347718641, ST CLOUD, FL 34771-8641

Mortgage

Document Number	0056951538
Date	Mar 19, 2020
Book Page	005695/001538
Instrument	39916

Lender

Name	LORI GIAMBRONE
Address	13191 STARKEY RD # 2, LARGO, FL 33773-1438

Agreement

Amount	Amount Recorded
Term	24 Months
Due	Mar 18, 2022

Interest

Rate	6%

October 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 11, 2019
Property Address	3 11TH ST, SAINT CLOUD, FL 34769-3922
Document Number	0056040384
Book / Page	005604 / 000384
Instrument Date	Oct 10, 2019
Instrument	131262
Transaction Type	Transfer
Record Updated	Oct 29, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$0.70
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	6320 OAK SHORE DR ST CLOUD FL 347718641, ST CLOUD, FL 34771-8641

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 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	$18,924.00 (+2.05%)	$1,057,300 (+7.29%) Land $274,400 Building $782,900	$1,057,300 (+7.29%) Land $274,400 Building $782,900
2024	$18,544.00 (+4.7%)
2023	$17,711.00 (+10.03%)	$985,500 (+10.33%) Land $204,200 Building $781,300	$985,500 (+10.33%) Land $204,200 Building $781,300
2022	$16,096.00	$893,200 Land $170,100 Building $723,100	$893,200 Land $170,100 Building $723,100

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 51 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	51 in force

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 66% of the US · lower than 91% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

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 356 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	2,000 / 1,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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