318 18th St, Saint Cloud, FL 34769 Property Records

Osceola County property record for 318 18th St, Saint Cloud, FL 34769 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,260 sqft · built 1983
Lot Size	0.339 acres (14,810 sqft)
Owner	Individual Name on File
Last Sale	$190,000 (Oct 2019)
Tax Bill	$2,475 (2025)
Deeds & Mortgages	Oct 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1226303190000A0140`

Property Details

APN / Parcel Number

Primary APN	`1226303190000A0140`
Alternative APN	`84516`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,260 sqft Heated Area
1st Floor Area	1,008 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1999
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	14,810 sqft (0.339 acres)
Lot Dimensions	150 ft deep x 100 ft wide

Exterior Amenities

Porch	Enclosed Porch
Porch Area	252 sqft
Patio Area	160 sqft
Fence	Fence
Shed	1 Shed
Shed Area	96 sqft
Utility Building	100 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	84516
Street Address	318 18TH ST
City	SAINT CLOUD
State	FL
Zip	34769-5304
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NW FOLSOMS PB 1 PG 038 BLK A LOTS 14 & 15
Legal Range	30E
Legal Township	26S
Legal Section	12
Legal Subdivision	FOLSUMS N W
Legal Tract	3190
Legal Block	A
Legal Lot Number	14-15 15
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2012
Census Tract	43303

Owner

Source: Osceola County records · APN 1226303190000A0140

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	Individual Name on File
Mailing Address	318 18TH ST, SAINT CLOUD, FL 34769-5304
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Oct 04, 2019 · Amount on Record
Deed Sale	Oct 04, 2019 · Amount on Record
Prior Sale	Oct 20, 2010 · Amount on Record
Deed Document Number	2019128814
Deed Book / Page	5601 / 0134
Record Updated	Jun 08, 2026

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 04, 2019
Property Address	318 18TH ST, SAINT CLOUD, FL 34769-5304
Document Number	0056010134
Book / Page	005601 / 000134
Instrument Date	Oct 02, 2019
Instrument	128814
Transaction Type	Transfer
Record Updated	Oct 23, 2019
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,330.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	318 18TH ST ST CLOUD FL 347695304, ST CLOUD, FL 34769-5304

Mortgage

Document Number	56010135
Date	Oct 04, 2019
Book Page	005601/000135
Instrument	128815

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 03, 2049

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	$2,475.00 (+6.73%) Homeowner's exemption	$181,168 (+5.99%)	$251,400 (+10.51%) Land $55,000 Building $196,400
2023	$2,319.00 (+3.94%) Homeowner's exemption	$170,935 (+3%)	$227,500 (+13.35%) Land $45,000 Building $182,500
2022	$2,231.00 Homeowner's exemption	$165,957	$200,700 Land $35,000 Building $165,700

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	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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