401 16th St, Saint Cloud, FL 34769 Property Records

Osceola County property record for 401 16th St, Saint Cloud, FL 34769 · Last verified December 2025

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	1 Baths
Year Built	Built 1981
Square Footage	1,824 sqft Heated Area
Lot Size	14,810 sqft (0.339 acres)
Occupancy	Owner Occupied
Last Sale	$360,000 (2022)
Tax Bill	$2,688.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`79345`
Alternative APN	`012630000103440010`

Interior

Bedrooms	3 Beds
Full Baths	1 Baths
Building Area	1,824 sqft Heated Area
Gross Area	2,508 sqft Gross Area
1st Floor	1,152 sqft 1st Floor
Stories	1 Stories
Primary Flooring	Tile Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 1981
Exterior Material	Fiber Cement Siding (Hardi-Board/Hardi-Plank) Exterior
Construction Type	Frame Construction
Foundation Type	Footing Foundation
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	14,810 sqft (0.339 acres)
Depth X Width	150 ft x 100 ft Depth x Width
Parking Spaces	2 Parking Spaces
Garage Type	Carport Garage
Carport	Carport

Exterior Amenities

Pool Area	450 sqft Pool
Fence	Fence
Shed	1 Shed
Shed Area	231 sqft Shed
Deck Area	630 sqft Deck
Patio Area	126 sqft Patio
Porch	Enclosed Porch
Porch Area	804 sqft Porch

Utilities and HVAC

Cooling System	A/C Package Cooling
Heating System	HVAC Heating

Location & Zoning

Account Number	79345
Street Address	401 16TH ST
City	SAINT CLOUD
State	FL
Zip	34769-4508
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	ST CLOUD PB B PG 34 BLK 344 LOTS 1-4 INC 12/26/30
Legal Range	30E
Legal Township	26S
Legal Section	01
Legal Subdivision	ST CLOUD
Legal Tract	1
Legal Block	344
Legal Lot Number	1-4 2
Jurisdiction	OSCEOLA FL
Minor Civil Division	ST. CLOUD
Census Blockgroup	4
Census Block	4074
Census Tract	43500

Owner

Source: Osceola County records · APN 79345

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	401 16TH ST, SAINT CLOUD, FL 34769-4508
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	Aug 04, 2022 · Amount on Record
Deed Sale	Aug 04, 2022 · Amount on Record
Prior Sale	Aug 04, 2022 · Amount on Record
Deed Doc Number	0062631586
Deed Book / Page	6263 / 1586
Last Transfer Date	Sep 17, 2024
Transfer Doc	0066660103
Record Refreshed	Jun 08, 2026

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 04, 2022
Property Address	401 16TH ST, SAINT CLOUD, FL 34769-4508
Document Number	0062631586
Book / Page	6263 / 1586
Map Reference	MB B PG 33&34
Instrument Date	Jul 29, 2022
Instrument	2022119550
Transaction Type	Transfer
Record Updated	Aug 16, 2022
Title Company	CORE TITLE SERVICES LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,520.00
Amount Accuracy	Rounded Values by County
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	135 KIPLING DR, 135, CRESTVIEW, FL 32539-8326

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 16TH ST, SAINT CLOUD, FL 34769-4508

Mortgage

Document Number	0062631588
Date	Aug 04, 2022
Instrument	6263/1588

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Veterans Administration Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 01, 2052

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, not market price estimates; both are a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,688.00 (-21.4%) Homeowner's exemption	$193,082 (-19.2%)	$261,700 (+1.95%) Land $63,200 Building $198,500
2024	$3,420.00 (+2.73%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$238,960 (+3%)	$256,700 (+10.65%) Land $63,200 Building $193,500
2023	$3,329.00 (+111.23%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$232,000 (+79.01%) Land $57,500 Building $174,500	$232,000 (+12.13%) Land $57,500 Building $174,500
2022	$1,576.00 Homeowner's exemption	$129,603	$206,900 Land $51,800 Building $155,100

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.