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430 14th St, Saint Cloud, FL 34769 Property Records

Osceola County property record for 430 14th St, Saint Cloud, FL 34769 · Last verified April 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bathrooms1 Baths
Year BuiltBuilt 1984
Square Footage828 sqft Living Area
Lot Size7,492 sqft (0.172 acres)
GarageAttached, 312 sqft
Last Sale$175,000 (2022)
Tax Bill$1,964.00 (2024)

Property Details

APN / Parcel Number

Primary APN01-26-30-0001-0237-0130
Alternative APNs
  • 263001000102370130
  • 78478

Interior

Full Baths1 Baths
Building Area828 sqft Living Area
Gross Area1,204 sqft Gross Area
1st Floor828 sqft 1st Floor
Stories1 Stories
Primary FlooringCarpet Flooring
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 1974
Effective Year BuiltEffective 1984
Exterior MaterialConcrete Block Exterior
Construction TypeFrame Construction
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area7,492 sqft (0.172 acres)
Depth X Width150 ft x 50 ft Depth x Width
Parking Spaces1 Parking Spaces
Garage TypeAttached Garage
Garage Area312 sqft Garage
Porch Area64 sqft Porch

Utilities and HVAC

Cooling SystemA/C Package Cooling
Heating SystemHVAC Heating

Location & Zoning

Street Address430 14TH ST
CitySAINT CLOUD
StateFL
Zip34769-4603
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionST CLOUD PB B PG 34 BLK 237 LOTS 13 & 14 12/26/30
Legal Range30E
Legal Township26S
Legal Section01
Legal SubdivisionST CLOUD 2ND PLAT TOWN OF
Legal Tract1
Legal Block237
Legal Lot Number13
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup4
Census Block4043
Census Tract43500

Owner

Source: Osceola County records · APN 01-26-30-0001-0237-0130

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 Record2 Individual Names on File
Mailing Address6801 MIDLAND DR, SAINT CLOUD, FL 34771-9755
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Apr 02, 2026Deed of Trust, Mortgage · Conventional Mortgage
NEST HOME LENDING LLC
Mar 22, 2022Warranty Deed, Transfer · Conventional Mortgage
AXIA FINANCIAL LLC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleMar 22, 2022 · Amount on Record
Deed SaleMar 22, 2022 · Amount on Record
Prior SaleMar 17, 2010
Deed Doc Number202245168
Deed Book / Page6176 / 2447
Record RefreshedJun 08, 2026

April 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Recording DateApr 02, 2026
Property Address430 14TH ST, SAINT CLOUD, FL 34769-4603
Document Number0000044515
Book / Page6949 / 597
Instrument DateMar 20, 2026
Instrument202644515
Transaction TypeMortgage
Record UpdatedJul 12, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

NameVerified Name
Address6801 MIDLAND DR, SAINT CLOUD, FL 34771-9755

Mortgage

Document Number0000044515,
DateApr 02, 2026
Book Page6949/597
Instrument202644515
Lender
NameNEST HOME LENDING LLC
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueApr 01, 2056
Interest
Rate TypeFixed Rate
Rate6.01%
Initial TypeFixed Rate
Max Rate-1%

March 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateMar 22, 2022
Property Address430 14TH ST, SAINT CLOUD, FL 34769-4603
Document Number0061762447
Book / Page6176 / 2447
Map ReferenceMB B PG 33&34
Instrument DateMar 16, 2022
Instrument2022045168
Transaction TypeTransfer
Record UpdatedApr 01, 2022
Title CompanyFIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,225.00
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address2800 OVERLAKE AVE, 2800, ORLANDO, FL 32806-7455

Transferred To (Grantee/Buyer)

NameVerified Name
Address430 14TH ST, SAINT CLOUD, FL 34769-4603

Mortgage

Document Number0061762449
DateMar 22, 2022
Instrument6176/2449
Lender
NameAXIA FINANCIAL LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueApr 01, 2052

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 2026

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2025$2,973.00 (+51.37%)$165,900 (+11.87%) Land $80,900 Building $85,000$165,900 (+11.87%) Land $80,900 Building $85,000
2024$1,964.00 (+2.77%)
2023$1,911.00 (-0.36%) Homeowner's exemption$148,300 (+15.5%) Land $65,500 Building $82,800$148,300 (+15.5%) Land $65,500 Building $82,800
2022$1,918.00$128,400 Land $54,600 Building $73,800$128,400 Land $54,600 Building $73,800

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 ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

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