Osceola County property record for 390 12th St, Saint Cloud, FL 34769 · Last verified April 2026
| Property Type | Duplex |
|---|---|
| Details | 4 bd · 2 ba · 1,700 sqft · built 1993 |
| Lot Size | 0.258 acres (11,238 sqft) |
| Owner | Individual Name on File |
| Last Sale | $210,000 (Mar 2012) |
| Tax Bill | $4,184 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-26-30-0001-0178-0130 |
| Primary APN | 01-26-30-0001-0178-0130 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Units | 2 Units |
| Stories | 1 Story |
| Building Area | 1,700 sqft Living Area |
| Gross Area | 2,300 sqft |
| 1st Floor Area | 1,700 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1993 |
|---|---|
| Effective Year Built | Effective 1993 |
| Architectural Style | Custom Design |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 11,238 sqft (0.258 acres) |
| Lot Dimensions | 150 ft deep x 75 ft wide |
| Garage Type | Attached |
| Garage Area | 600 sqft |
| Parking Spaces | 2 Parking Spaces |
| Patio Area | 80 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Central |
| Street Address | 390 12TH ST |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-3859 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Legal Description | ST CLOUD PB B PG 34 BLK 178 LOTS 13-15 1/26/30 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD 2ND PLAT TOWN OF |
| Legal Tract | 1 |
| Legal Block | 178 |
| Legal Lot Number | 13 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 5 |
| Census Block | 5070 |
| Census Tract | 43500 |
Source: Osceola County records · APN 01-26-30-0001-0178-0130
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 Record | Individual Name on File |
|---|---|
| Mailing Address | 3698 MICHIGAN AVE, SAINT CLOUD, FL 34769-5707 |
| Owner Type | Individual |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Mar 02, 2012 · Amount on Record |
| Deed Sale | Mar 02, 2012 · Amount on Record |
| Prior Sale | Jul 11, 2000 · Amount on Record |
| Deed Document Number | 201230313 |
| Deed Book / Page | 4238 / 784 |
| Last Transfer Date | Dec 02, 2016 |
| Transfer Doc | 0050681526 |
| Record Updated | Jun 08, 2026 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
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 | $4,184.00 (+6.19%) | $276,500 (+1.69%) Land $70,000 Building $206,500 | $276,500 (+1.69%) Land $70,000 Building $206,500 |
| 2024 | $3,940.00 (+5.69%) | ||
| 2023 | $3,728.00 (+18.8%) | $271,900 (+35.27%) Land $60,000 Building $211,900 | $271,900 (+35.27%) Land $60,000 Building $211,900 |
| 2022 | $3,138.00 | $201,000 Land $52,000 Building $149,000 | $201,000 Land $52,000 Building $149,000 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970435005, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Flood Insurance Cost | Premium on Record median of 51 individual NFIP policies nearby |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 51 in force |
| 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; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 458 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Lumen Technologies | Fiber | 8,000 / 8,000 |
| Spectrum | Cable | 1,000 / 1,000 |
| Verizon | Fixed Wireless | 300 / 20 |
| AT&T | Fixed Wireless | 100 / 20 |
| Starlink | Satellite (low-earth orbit) | 280 / 30 |
May also be available at this address: Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.
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