320 15th St, Saint Cloud, FL 34769 Property Records

Osceola County property record for 320 15th St, Saint Cloud, FL 34769 · Last verified December 2025

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	2 Baths
Year Built	Built 1981
Square Footage	1,270 sqft Heated Area
Lot Size	11,326 sqft (0.26 acres)
Occupancy	Owner Occupied
Last Sale	$238,000 (2021)
Tax Bill	$3,163.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`78870`
Alternative APN	`012630000102870130`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,270 sqft Heated Area
Gross Area	2,491 sqft Gross Area
1st Floor	1,270 sqft 1st Floor
Stories	1 Stories
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 1981
Exterior Material	Concrete Block Exterior
Foundation Type	Footing Foundation
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	11,326 sqft (0.26 acres)
Depth X Width	150 ft x 75 ft Depth x Width
Parking Spaces	4 Parking Spaces
Garage Type	Finished Garage
Garage Area	525 sqft Garage
Porch	1 Porch
Porch Area	256 sqft Porch

Utilities and HVAC

Cooling System	A/C Package Cooling
Heating System	HVAC Heating

Location & Zoning

Account Number	78870
Street Address	320 15TH ST
City	SAINT CLOUD
State	FL
Zip	34769-4610
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	ST CLOUD PB B PG 34 BLK 287 LOTS 13-15 12/26/30
Legal Range	30E
Legal Township	26S
Legal Section	01
Legal Subdivision	ST CLOUD
Legal Tract	1
Legal Block	287
Legal Lot Number	13 14
Jurisdiction	OSCEOLA FL
Minor Civil Division	ST. CLOUD
Census Blockgroup	4
Census Block	4053
Census Tract	43500

Owner

Source: Osceola County records · APN 78870

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	320 15TH ST, SAINT CLOUD, FL 34769-4610
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 01, 2021 · Amount on Record
Deed Sale	Jun 01, 2021 · Amount on Record
Deed Doc Number	2021084725
Deed Book / Page	5970 / 1810
Record Refreshed	Jun 08, 2026

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 01, 2021
Property Address	320 15TH ST, SAINT CLOUD, FL 34769-4610
Document Number	0059701810
Book / Page	5970 / 1810
Map Reference	MB B PG 33
Instrument Date	May 11, 2021
Instrument	2021084725
Transaction Type	Transfer
Record Updated	Jun 16, 2021
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,666.00
Amount Accuracy	Full Amount Stated
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10080 VERMONT ST, 10080, NORTH HUNTINGDON, PA 15642-2576

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 15TH ST, SAINT CLOUD, FL 34769-4610

Mortgage

Document Number	59701811
Date	Jun 01, 2021
Instrument	5970/1811

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 01, 2051

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	$3,163.00 (+6.39%) Homeowner's exemption	$219,643 (+5.99%)	$266,500 (+13.4%) Land $55,000 Building $211,500
2023	$2,973.00 (+3.73%) Homeowner's exemption	$207,236 (+3%)	$235,000 (+16.8%) Land $50,000 Building $185,000
2022	$2,866.00 Homeowner's exemption	$201,200 Land $45,000 Building $156,200	$201,200 Land $45,000 Building $156,200

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.