312 E 13th St, Saint Cloud, FL 34769 Property Records

Osceola County property record for 312 E 13th St, Saint Cloud, FL 34769 · Last verified December 2025

Property Highlights

Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Bedrooms	3 Beds
Bathrooms	1 Baths
Year Built	Built 2004
Square Footage	3,280 sqft Heated Area
Lot Size	57,935 sqft (1.33 acres)
Occupancy	Owner Occupied
Last Sale	$124,000 (2003)
Tax Bill	$18,047.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`01263007250001486B`
Alternative APNs	`01263049500001486B` `128730`

Interior

Bedrooms	3 Beds
Full Baths	1 Baths
Plumbing Fixtures	4 Plumbing Fixtures
Building Area	3,280 sqft Heated Area
Gross Area	7,312 sqft Gross Area
1st Floor	3,280 sqft 1st Floor
Stories	1 Stories
Primary Flooring	Vinyl/Resilient Flooring
Interior Structure	Paneling Interior Structure

Exterior

Year Built	Built 2004
Exterior Material	Brick Exterior
Fire Resistance Class	Buildings having fireproofed structural steel frames carrying all wall, floor and roof loads. Wall, floor and roof structures are built of non-combustible materials.
Foundation Type	Footing Foundation
Roof Construction	Steel Frame/Truss Roof Construction
Roof Material	Metal Roof
Lot Area	57,935 sqft (1.33 acres)
Depth X Width	260 ft x 105 ft Depth x Width
Parking Spaces	4 Parking Spaces
Garage Type	Carport Garage
Carport	Carport

Exterior Amenities

Fence	Fence
Porch	Open Porch
Porch Area	48 sqft Porch
Canopy Area	144 sqft Canopy

Utilities and HVAC

Cooling System	A/C Package Cooling
Heating System	HVAC Heating

Location & Zoning

Account Number	128730
Old Parcel Number	01263049500001486B
Street Address	312 E 13TH ST
City	SAINT CLOUD
State	FL
Zip	34769-4714
Property Usage	Commercial Property Usage
Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Legal Description	S L & I C PB B PGS 63-64 W 210 FT OF LOTS 486 & 507 LESS R/W HWY 441 ORD #2005-40
Legal Range	30E
Legal Township	26S
Legal Section	01
Legal Subdivision	ST CLOUD HWY EAST
Legal Tract	725
Legal Block	1
Legal Lot Number	486,507 507
Jurisdiction	OSCEOLA FL
Minor Civil Division	ST. CLOUD
Census Blockgroup	2
Census Block	2074
Census Tract	43600

Owner

Source: Osceola County records · APN 01263007250001486B

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	312 E 13TH ST, SAINT CLOUD, FL 34769-4714
Occupancy	Owner Occupied
Owner Type	Owner is a Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Mar 05, 2003 · Amount on Record
Deed Sale	Mar 05, 2003 · Amount on Record
Deed Doc Number	0220600516
Deed Book / Page	02206 / 00516
Record Refreshed	Jun 08, 2026

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	312 E 13TH ST, SAINT CLOUD, FL 34769-4714
Transaction Type	Mortgage
Record Updated	Aug 01, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0055751837
Date	Aug 19, 2019
Book Page	5575/1837
Instrument	2019107024

Lender

Name	PNC BANK NA
Type	Bank
Address	SAINT CLOUD, FL 34769

Agreement

Type	Line of Credit
Amount	Amount Recorded

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	$18,047.00 (+24.99%)	$1,215,900 (+35.96%) Land $869,000 Building $346,900	$1,215,900 (+35.96%) Land $869,000 Building $346,900
2023	$14,439.00 (+11.93%)	$894,300 (+16.1%) Land $646,600 Building $247,700	$894,300 (+16.1%) Land $646,600 Building $247,700
2022	$12,900.00	$770,300 Land $538,800 Building $231,500	$770,300 Land $538,800 Building $231,500

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 Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Low above 34% of the US · above 9% of Florida
Wildfire Likelihood	About 1 in 2,174 per year
Exposure	Direct burnable vegetation at the parcel

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