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

Osceola County property record for 456 E 10th St, Saint Cloud, FL 34769 · Last verified December 2025

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,186 sqft · built 1993
Lot Size0.5 acres (21,780 sqft)
OwnerIndividual Name on File
Last Sale$185,000 (Nov 2017)
Tax Bill$520 (2025)
Deeds & MortgagesNov 2017 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN80905

Property Details

APN / Parcel Number

Primary APN80905
Alternative APN
  • 012630304500010040

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,186 sqft Heated Area
Gross Area1,884 sqft
1st Floor Area1,186 sqft
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1993
Effective Year BuiltEffective 1998
Exterior MaterialConcrete Block
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area21,780 sqft (0.5 acres)
Lot Dimensions217 ft deep x 100 ft wide
Garage TypeFinished
Garage Area300 sqft
Parking Spaces1 Parking Space

Exterior Amenities

PorchOpen Porch
Porch Area398 sqft
Shed1 Shed
Shed Area120 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Account Number80905
Street Address456 E 10TH ST
CitySAINT CLOUD
StateFL
Zip34769-3908
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionELIZABETH MANOR PB 4 PG 95 LOT 4
Legal Range30E
Legal Township26S
Legal Section01
Legal SubdivisionELIZABETH MANOR
Legal Tract3045
Legal Block1
Legal Lot Number4
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group2
Census Block2054
Census Tract43600

Owner

Source: Osceola County records · APN 80905

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 RecordIndividual Name on File
Co-ownerVerified Secondary Owner
Mailing Address456 E 10TH ST, SAINT CLOUD, FL 34769-3908
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleNov 13, 2017 · Amount on Record
Deed SaleNov 13, 2017 · Amount on Record
Prior SaleDec 09, 2014 · Amount on Record
Deed Document Number2017161227
Deed Book / Page5237 / 2027
Record UpdatedJun 08, 2026

November 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateNov 13, 2017
Property Address456 E 10TH ST, SAINT CLOUD, FL 34769-3908
Document Number0052372027
Book / Page5237 / 2027
Map ReferenceMB4 PG95
Instrument DateOct 23, 2017
Instrument2017161227
Transaction TypeTransfer
Record UpdatedAug 01, 2022
Title CompanyNONA TITLE INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,295.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship

Mortgage

Document Number0052372029
DateNov 13, 2017
Instrument5237/2029
Lender
NameTHE MORTGAGE FIRM INC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueNov 01, 2047

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

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

YearTax BillAssessed ValueAssessed Market Value
2025$520.00 (+2.77%) Homeowner's exemption$62,993 (+5.99%)$287,400 (+6.52%) Land $45,000 Building $242,400
2023$506.00 (+1.81%) Homeowner's exemption$59,435 (+3%)$269,800 (+8.27%) Land $45,000 Building $224,800
2022$497.00 Homeowner's exemption$57,704$249,200 Land $45,000 Building $204,200

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970436002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 148 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies148 in force
Nearby Flood Claims5 (2016–2022)
Most Recent ClaimOct 2022, river or lake flooding, Hurricane Ian
Claims By Storm
  • Hurricane Irma, Sep 2017 · 2 claims

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; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 356 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
Lumen TechnologiesFiber2,000 / 1,000
SpectrumCable1,000 / 1,000
AT&TFixed Wireless100 / 20
StarlinkSatellite (low-earth orbit)280 / 30

May also be available at this address: Verizon, Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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