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450 E 10th St, Saint Cloud, FL 34769 Property Records

Osceola County property record for 450 E 10th St, Saint Cloud, FL 34769 · Last verified April 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms2 Baths
Year BuiltBuilt 2012
Square Footage1,200 sqft Living Area
Lot Size21,780 sqft (0.5 acres)
OccupancyOwner Occupied
Last Sale$285,000 (2021)
Tax Bill$4,431.00 (2024)

Property Details

APN / Parcel Number

Primary APN01-26-30-3045-0001-0050
Alternative APNs
  • 263001304500010050
  • 80906

Interior

Bedrooms3 Beds
Full Baths2 Baths
Building Area1,200 sqft Living Area
Gross Area1,776 sqft Gross Area
1st Floor1,200 sqft 1st Floor
Stories1 Stories
Primary FlooringWood Flooring
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 1989
Effective Year BuiltEffective 2012
Architectural StyleCustom Design Style
Exterior MaterialConcrete Block Exterior
Construction TypeMasonry/Concrete Masonry Units (CMUs) Construction
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area21,780 sqft (0.5 acres)
Depth X Width217 ft x 100 ft Depth x Width
Parking Spaces3 Parking Spaces
Garage TypeAttached Garage
Garage Area360 sqft Garage
Shed1 Shed
Shed Area80 sqft Shed
Porch Area216 sqft Porch

Utilities and HVAC

Cooling SystemA/C Package Cooling
Heating SystemHVAC Heating

Location & Zoning

Street Address450 E 10TH ST
CitySAINT CLOUD
StateFL
Zip34769-3908
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionELIZABETH MANOR PB 4 PG 95 LOT 5
Legal Range30E
Legal Township26S
Legal Section01
Legal SubdivisionELIZABETH MANOR
Legal Tract3045
Legal Block50
Legal Lot Number5
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup2
Census Block2054
Census Tract43600

Owner

Source: Osceola County records · APN 01-26-30-3045-0001-0050

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 RecordIndividual Name on File
Mailing Address450 E 10TH ST, SAINT CLOUD, FL 34769-3908
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
May 26, 2021Warranty Deed, Transfer · Veterans Administration Mortgage
MORTGAGE RESEARCH CENTER LLC
Aug 18, 2020Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage
PENNYMAC LOAN SERVICES LLC
Apr 16, 2019Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage
WATERSTONE MORTGAGE CORP
Dec 10, 2018Warranty Deed, Transfer
CORE TITLE SERVICES LLC, CORE TITLE SVCS LLC

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleMay 26, 2021 · Amount on Record
Deed SaleMay 26, 2021 · Amount on Record
Prior SaleApr 16, 2019 · Amount on Record
Deed Doc Number202182208
Deed Book / Page5967 / 1582
Prior Transfer DateAug 16, 2011
Prior Transfer Doc0041701557
Record RefreshedJun 08, 2026

May 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateMay 26, 2021
Property Address450 E 10TH ST, SAINT CLOUD, FL 34769-3908
Document Number0059671582
Book / Page5967 / 1582
Map ReferenceMB 4 PG 95
Instrument DateMay 18, 2021
Instrument2021082208
Transaction TypeTransfer
Record UpdatedJun 15, 2021
Title CompanyCORE TITLE SERVICES LLC

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$1,995.00
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address113 RURRELL CIRCLE, 113, KISSIMMEE, FL 34744

Transferred To (Grantee/Buyer)

NameVerified Name
Address450 E 10TH ST, SAINT CLOUD, FL 34769-3908
InvestorPossibly a Property Investor

Mortgage

Document Number59671584
DateMay 26, 2021
Instrument5967/1584
Lender
NameMORTGAGE RESEARCH CENTER LLC
TypeMortgage Company
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term361 Months
DueJun 01, 2051

August 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address450 E 10TH ST, SAINT CLOUD, FL 34769-3908
Transaction TypeMortgage
Record UpdatedFeb 05, 2021
Title CompanySERVICELINK

Transferred To (Grantee/Buyer)

NameVerified Name
Address450 E 10TH ST, SAINT CLOUD, FL 34769-3908

Mortgage

Document Number0057762780
DateAug 18, 2020
Book Page5776/2780
Instrument2020109255
Lender
NamePENNYMAC LOAN SERVICES LLC
TypeMortgage Company
AddressMOORPARK, CA 93021
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term345 Months
DueMay 01, 2049

April 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateApr 16, 2019
Property Address450 E 10TH ST, SAINT CLOUD, FL 34769-3908
Document Number0055080167
Book / Page5508 / 0167
Map ReferenceMB 4 PG 95
Instrument DateApr 12, 2019
Instrument2019047867
Transaction TypeTransfer
Record UpdatedFeb 08, 2022
Title CompanyCORE TITLE SERVICES LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,609.30
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address1455 SELBYDON WAY, 1455, WINTER GARDEN, FL 34787-4654

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenant/Joint Tenant w/ Right Of Survivorship
Address450 E 10TH ST, SAINT CLOUD, FL 34769-3908

Mortgage

Document Number2019047868
DateApr 16, 2019
Instrument2019047868
Lender
NameWATERSTONE MORTGAGE CORP
TypeLending Institution
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term361 Months
DueMay 01, 2049

December 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateDec 10, 2018
Property Address450 E 10TH ST, SAINT CLOUD, FL 34769-3908
Document Number0054462222
Book / Page005446 / 002222
Instrument DateNov 30, 2018
Instrument180434
Transaction TypeTransfer
Record UpdatedJan 02, 2019
Title CompanyCORE TITLE SERVICES LLC, CORE TITLE SVCS LLC

Transaction

AmountAmount Recorded
Tax$1,120.00
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address1455 SELBYDON WAY WINTER GARDEN FL 347874654, WINTER GARDEN, FL 34787-4654

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$4,444.00 (+0.29%) Homeowner's exemption$291,200 (+6.32%) Land $45,000 Building $246,200$291,200 (+6.32%) Land $45,000 Building $246,200
2024$4,431.00 (-10.23%)
2023$4,936.00 (+8.08%)$273,900 (+8.18%) Land $45,000 Building $228,900$273,900 (+8.18%) Land $45,000 Building $228,900
2022$4,567.00$253,200 Land $45,000 Building $208,200$253,200 Land $45,000 Building $208,200

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 RiskModerate
above 58% of the US · above 30% of Florida
Wildfire LikelihoodAbout 1 in 758 per year
ExposureDirect
burnable vegetation at the parcel

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

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