Osceola County property record for 415 12th St, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,523 sqft · built 2017 |
| Lot Size | 0.05 acres (2,178 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $330,000 (Nov 2024) |
| Tax Bill | $4,025 (2025) |
| Deeds & Mortgages | Jan 2022 Sale & Mortgage Mar 2018 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 78434 |
| Primary APN | 78434 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,523 sqft Heated Area |
| Gross Area | 2,442 sqft |
| 1st Floor Area | 302 sqft |
| Upper Floors Area | 1,221 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Masonry |
| Year Built | Built 2017 |
|---|---|
| Exterior Material | Stucco |
| Construction Type | Frame |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 2,178 sqft (0.05 acres) |
| Lot Dimensions | 50 ft deep x 41 ft wide |
| Garage Type | Finished |
| Garage Area | 891 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 28 sqft |
| Fence | Fence |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 78434 |
|---|---|
| Street Address | 415 12TH ST |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-3812 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SHB |
| Legal Description | ST CLOUD PB B PG 34 BLK 228 E 41 FT LOTS 23 & 24 1/26/30 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD HWY CENTRAL |
| Legal Tract | 1 |
| Legal Block | 228 |
| Legal Lot Number | 1,23-24 24 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 4 |
| Census Block | 4025 |
| Census Tract | 43500 |
Source: Osceola County records, as of December 11, 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 Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 415 12TH ST, SAINT CLOUD, FL 34769-3812 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 20, 2022 | Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE |
| Mar 20, 2018 | Warranty Deed, Transfer STEWART TITLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 5, 2024 · Amount on Record |
| Deed Sale | Nov 5, 2024 · Amount on Record |
| Prior Sale | Jan 20, 2022 · Amount on Record |
| Deed Document Number | 2024140445 |
| Deed Book / Page | 6690 / 2187 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jan 20, 2022 |
| Property Address | 415 12TH ST, SAINT CLOUD, FL 34769-3812 |
| Document Number | 0061331466 |
| Book / Page | 6133 / 1466 |
| Map Reference | MB B PG 33&34 |
| Instrument Date | Jan 14, 2022 |
| Instrument | 2022010919 |
| Transaction Type | Transfer |
| Record Updated | Feb 2, 2022 |
| Title Company | GOLDEN DOG TITLE AND TRUST, GOLDEN DOG TITLE & TRUST |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,205.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 15035 LAKE NONA BLVD, 15035, ORLANDO, FL 32824-7343 |
| Name | Verified Name |
|---|---|
| Address | 415 12TH ST, SAINT CLOUD, FL 34769-3812 |
| Document Number | 0061331469 |
|---|---|
| Date | Jan 20, 2022 |
| Instrument | 6133/1469 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Mar 20, 2018 |
| Property Address | 415 12TH ST, SAINT CLOUD, FL 34769-3812 |
| Document Number | 0053040455 |
| Book / Page | 005304 / 000455 |
| Instrument Date | Mar 16, 2018 |
| Instrument | 45139 |
| Transaction Type | Transfer |
| Record Updated | Apr 16, 2018 |
| Title Company | STEWART TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,435.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 8309 PRESTBURY DR ORLANDO FL 328326318, ORLANDO, FL 32832-6318 |
Source: Osceola County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,025.00 (-1.42%) Homeowner's exemption | $267,800 (+18.23%) Land $56,300 Building $211,500 | $267,800 (+18.23%) Land $56,300 Building $211,500 |
| 2023 | $4,083.00 (+18.86%) | $226,500 (+17.72%) Land $19,200 Building $207,300 | $226,500 (+17.72%) Land $19,200 Building $207,300 |
| 2022 | $3,435.00 | $192,400 Land $16,000 Building $176,400 | $192,400 Land $16,000 Building $176,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 15 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 15 in force |
| Nearby Flood Claims | 2 (1983–2003) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Aug 2003 · tidal / storm surge |
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: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 93% of Florida |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 458 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CenturyLink Fiber | 8,000 / 8,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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