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307 James Pl, Saint Cloud, FL 34769 Property Records

Osceola County property record for 307 James Pl, Saint Cloud, FL 34769 · Last verified April 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms2 Beds
Bathrooms2 Baths
Year BuiltBuilt 1989
Square Footage1,140 sqft Living Area
Lot Size16,247 sqft (0.373 acres)
OccupancyOwner Occupied
Last Sale$165,000 (2017)
Tax Bill$1,735.00 (2024)

Property Details

APN / Parcel Number

Primary APN12-26-30-0025-0001-0210
Alternative APNs
  • 263012002500010210
  • 84432

Interior

Bedrooms2 Beds
Full Baths2 Baths
Building Area1,140 sqft Living Area
Gross Area1,646 sqft Gross Area
1st Floor1,140 sqft 1st Floor
Stories1 Stories
Primary FlooringCarpet Flooring
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 1989
Effective Year BuiltEffective 1989
Exterior MaterialConcrete Block Exterior
Construction TypeMasonry/Concrete Masonry Units (CMUs) Construction
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area16,247 sqft (0.373 acres)
Depth X Width135 ft x 55.8 ft Depth x Width
Parking Spaces1 Parking Spaces
Garage TypeAttached Garage
Garage Area264 sqft Garage
Shed1 Shed
Shed Area216 sqft Shed
Porch Area242 sqft Porch

Utilities and HVAC

Cooling SystemA/C Package Cooling
Heating SystemHVAC Heating

Location & Zoning

Street Address307 JAMES PL
CitySAINT CLOUD
StateFL
Zip34769-5309
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionDELAWARE GARDENS PB 5 PG 100 LOT 21
Legal Range30E
Legal Township26S
Legal Section12
Legal SubdivisionDELAWARE GARDENS
Legal Tract25
Legal Block210
Legal Lot Number21
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup2
Census Block2013
Census Tract43303

Owner

Source: Osceola County records · APN 12-26-30-0025-0001-0210

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 Record2 Individual Names on File
Mailing Address307 JAMES PL, SAINT CLOUD, FL 34769-5309
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Aug 16, 2021Deed of Trust, Mortgage · Conventional Mortgage
PENNYMAC LOAN SERVICES LLC
Jul 24, 2017Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage
EMBRACE HM LOANS

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJul 24, 2017 · Amount on Record
Deed SaleJul 24, 2017 · Amount on Record
Deed Doc Number2017106695
Deed Book / Page5183 / 276
Prior Transfer DateDec 12, 2016
Prior Transfer Doc0050692272
Record RefreshedJun 08, 2026

August 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address307 JAMES PL, SAINT CLOUD, FL 34769-5309
Transaction TypeMortgage
Record UpdatedAug 27, 2021

Transferred To (Grantee/Buyer)

NameVerified Name
Address307 JAMES PL, SAINT CLOUD, FL 34769-5309

Mortgage

Document Number0060222507
DateAug 16, 2021
Book Page6022/2507
Instrument2021126197
Lender
NamePENNYMAC LOAN SERVICES LLC
TypeMortgage Company
AddressWESTLAKE VILLAGE, CA 91361
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term349 Months
DueSep 01, 2050

July 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateJul 24, 2017
Property Address307 JAMES PL, SAINT CLOUD, FL 34769-5309
Document Number0051830276
Book / Page005183 / 000276
Instrument DateJul 21, 2017
Instrument106695
Transaction TypeTransfer
Record UpdatedAug 25, 2017
Title CompanySTEWART APPROVED TITLE INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,155.00
Amount AccuracyConfirmed
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenant/Joint Tenant w/ Right Of Survivorship
Address307 JAMES PL ST CLOUD FL 347695309, ST CLOUD, FL 34769-5309

Mortgage

Document Number51830277
DateJul 24, 2017
Book Page005183/000277
Instrument106696
Lender
NameEMBRACE HM LOANS
TypeFunding / Finance Company
AddressMIDDLETOWN, RI 02842
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term360 Months
DueJul 23, 2047

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 2026

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 and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2025$1,802.00 (+3.86%) Homeowner's exemption$143,572 (+5.99%)$222,300 (+11.65%) Land $72,000 Building $150,300
2024$1,735.00 (+3.27%)
2023$1,680.00 (+4.35%) Homeowner's exemption$135,463 (+3%)$199,100 (+20.08%) Land $54,000 Building $145,100
2022$1,610.00 Homeowner's exemption$131,518$165,800 Land $42,000 Building $123,800

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
Nearest Special Flood Hazard AreaZone A, within 500 ft

Wildfire

Wildfire RiskModerate
above 64% of the US · above 40% of Florida
Wildfire LikelihoodAbout 1 in 467 per year
ExposureDirect
burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

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