Osceola County property record for 400 16th St, Saint Cloud, FL 34769 · Last verified July 2026
| Property Type | Residential > Multi-Unit > Duplex |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 4 Baths |
| Year Built | Built 1988 |
| Square Footage | 1,826 sqft Living Area |
| Lot Size | 11,238 sqft (0.258 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $170,000 (2014) |
| Tax Bill | $2,604.00 (2025) |
| Primary APN | 01-26-30-0001-0295-0100 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Units | 2 Units |
| Building Area | 1,826 sqft Living Area |
| Gross Area | 2,630 sqft Gross Area |
| 1st Floor | 1,826 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1988 |
| Architectural Style | Custom Design Style |
| Exterior Material | Aluminum/Vinyl Exterior |
| Construction Type | Frame Construction |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 11,238 sqft (0.258 acres) |
| Depth X Width | 150 ft x 75 ft Depth x Width |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 672 sqft Garage |
| Porch Area | 132 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 400 16TH ST |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-4507 |
| Property Usage | Residential Property Usage |
| Type | Residential > Multi-Unit > Duplex |
| Legal Description | ST CLOUD PB B PG 34 BLK 295 LOTS 10-12 12/26/30 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD 2ND PLAT TOWN OF |
| Legal Tract | 1 |
| Legal Block | 295 |
| Legal Lot Number | 10 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 4 |
| Census Block | 4063 |
| Census Tract | 43500 |
Source: Osceola County records · APN 01-26-30-0001-0295-0100
Assessment roll updated November 26, 2025 · Last verified July 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 | 400 16TH ST, SAINT CLOUD, FL 34769-4507 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Feb 09, 2018 | Deed of Trust, Mortgage · Conventional Mortgage THE MORTGAGE FIRM INC |
| May 14, 2018 | Deed of Trust, Mortgage · Line of Credit BRANCH BK&TR |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Nov 26, 2014 · Amount on Record |
| Deed Sale | Nov 26, 2014 · Amount on Record |
| Prior Sale | Jan 24, 2007 · Amount on Record |
| Deed Doc Number | 2014173991 |
| Deed Book / Page | 4700 / 1206 |
| Prior Transfer Date | Nov 21, 2014 |
| Prior Transfer Doc | 0047001206 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 400 16TH ST, SAINT CLOUD, FL 34769-4507 |
| Transaction Type | Mortgage |
| Record Updated | Aug 01, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0052832632 |
|---|---|
| Date | Feb 09, 2018 |
| Book Page | 5283/2632 |
| Instrument | 2018023341 |
| Name | THE MORTGAGE FIRM INC |
|---|---|
| Type | Mortgage Company |
| Address | ALTAMONTE SPRINGS, FL 32714 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Mar 01, 2033 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 400 16TH ST, SAINT CLOUD, FL 34769-4507 |
| Document Number | 0053642025 |
| Instrument Date | May 14, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jul 25, 2018 |
| Title Company | DATA SEARCH INC |
| Name | Verified Name |
|---|---|
| Address | 400 16TH ST ST CLOUD FL 347694507, ST CLOUD, FL 34769-4507 |
| Document Number | 0053642025 |
|---|---|
| Date | Jul 10, 2018 |
| Book Page | 005364/002025 |
| Instrument | 105566 |
| Name | BRANCH BK&TR |
|---|---|
| Type | Bank |
| Address | WHITEVILLE, NC 28472 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Jul 09, 2043 |
| Rate Type | Adjustable Rate |
|---|
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified July 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 | $2,604.00 (+5.34%) Homeowner's exemption | $202,934 (+1%) | $317,700 (+1.15%) Land $60,000 Building $257,700 |
| 2024 | $2,472.00 (+3.6%) | ||
| 2023 | $2,386.00 (+15.54%) Homeowner's exemption | $200,931 (+25.2%) | $314,100 (+32.36%) Land $52,000 Building $262,100 |
| 2022 | $2,065.00 Homeowner's exemption | $160,486 | $237,300 Land $52,000 Building $185,300 |
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
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| 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.
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