3551 13th St, Saint Cloud, FL 34769 Property Records

Osceola County property record for 3551 13th St, Saint Cloud, FL 34769

Property Summary

Property Type	Auto Repair, Garage
Details	5,340 sqft · built 2008
Lot Size	0.78 acres (33,977 sqft)
Owner	Individual Name on File
Last Sale	$4,080,000 (Mar 2022)
Tax Bill	$24,258 (2025)
Deeds & Mortgages	Dec 2020 Line of Credit Mar 2022 Sale
Flood Zone	Zone X (minimal risk)
APN	`81808`

Property Details

APN / Parcel Number

Primary APN	`81808`
Alternative APN	`032630072500014330`

Interior

Plumbing Fixtures	9 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	5,340 sqft Heated Area
Gross Area	5,665 sqft
1st Floor Area	5,510 sqft
Office	1,230 sqft
Flooring	Concrete/Cement
Interior Walls	Unfinished

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2016
Exterior Material	Concrete Block
Fire Resistance	Masonry Walls, Wood Interior
Foundation Type	Footing
Roof Type	Steel Frame/Truss
Roof Material	Built-Up Asphalt
Lot Area	33,977 sqft (0.78 acres)
Garage Area	1,230 sqft
Canopy	72 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Account Number	81808
Street Address	3551 13TH ST
City	SAINT CLOUD
State	FL
Zip	34769-4054
Property Category	Commercial
Property Type	Commercial > Retail > Auto Repair, Garage
Local Zoning Code	SHB
Legal Description	S L & I C PB B PG 61-62 A PORTION OF LOTS 432, 433 & 464: BEG 862.82 FT N & 20 FT E OF SW COR OF 03-26-30, BEING ON S R/W US
Legal Range	30E
Legal Township	26S
Legal Section	03
Legal Subdivision	ST CLOUD HWY WEST
Legal Tract	725
Legal Block	1
Legal Lot Number	432 433
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2034
Census Tract	43203

Owner

Source: Osceola County assessment roll, as of July 1, 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	16 CRICKET HILL RD, LAFAYETTE, CA 94549-2402
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 22, 2020	Deed of Trust, Mortgage · Line of Credit MIDFLORIDA CU
Mar 10, 2022	Special Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Mar 10, 2022 · Amount on Record
Deed Sale	Mar 10, 2022 · Amount on Record
Prior Sale	Jul 24, 2009 · Amount on Record
Deed Document Number	2022038904
Deed Book / Page	6168 / 2178
Record Updated	Jun 8, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3551 13TH ST, SAINT CLOUD, FL 34769-4054
Transaction Type	Mortgage
Record Updated	Aug 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4144 SW GLENEAGLE CIR, PALM CITY, FL 34990-4460

Mortgage

Document Number	0058560956
Date	Dec 22, 2020
Book Page	5856/956
Instrument	2020173790

Lender

Name	MIDFLORIDA CU
Type	Credit Union
Address	LAKELAND, FL 33801

Agreement

Type	Line of Credit
Amount	Amount Recorded

March 2022: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 10, 2022
Property Address	3551 13TH ST, SAINT CLOUD, FL 34769-4054
Document Number	0061682178
Book / Page	6168 / 2178
Instrument Date	Mar 8, 2022
Instrument	2022038904
Transaction Type	Transfer
Record Updated	Aug 1, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$28,560.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4144 SW GLENEAGLE CIR, 4144, PALM CITY, FL 34990-4460

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	75 WILLIAMS AVE, SAN FRANCISCO, CA 94124-2617

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 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	$24,258.00 (+23.84%)	$1,448,400 (+33.16%) Land $431,000 Building $1,017,400	$1,448,400 (+33.16%) Land $431,000 Building $1,017,400
2023	$19,588.00 (+18.95%)	$1,087,700 (+19.03%) Land $352,900 Building $734,800	$1,087,700 (+19.03%) Land $352,900 Building $734,800
2022	$16,468.00	$913,800 Land $294,100 Building $619,700	$913,800 Land $294,100 Building $619,700

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 71 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	71 in force
Nearby Flood Claims	2 (2017)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Sep 2017 · Hurricane Irma
Claims by Event	Hurricane Irma, Sep 2017 · 2 claims

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 99.8% of the US · lower than 99.7% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: Lumen Technologies, Verizon.

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