Osceola County property record for 540 E 19th St, Saint Cloud, FL 34769 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 2017 |
| Square Footage | 1,480 sqft Heated Area |
| Lot Size | 7,492 sqft (0.171 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $349,000 (2025) |
| Tax Bill | $2,950.00 (2025) |
| Primary APN | 161043 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,480 sqft Heated Area |
| Gross Area | 1,993 sqft Gross Area |
| 1st Floor | 1,480 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2017 |
|---|---|
| Exterior Material | Concrete Block Exterior |
| Foundation Type | Footing Foundation |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 7,492 sqft (0.171 acres) |
| Depth X Width | 120 ft x 62.5 ft Depth x Width |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Finished Garage |
| Garage Area | 400 sqft Garage |
| Fence | Fence |
| Porch | Open Porch |
| Porch Area | 104 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Account Number | 161043 |
|---|---|
| Street Address | 540 E 19TH ST |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-5432 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | BENJAMIN ESTATES PB 20 PG 132 LOT 13 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 12 |
| Legal Subdivision | BENJAMIN ESTATES |
| Legal Tract | 149 |
| Legal Block | 1 |
| Legal Lot Number | 13 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 2 |
| Census Block | 2007 |
| Census Tract | 43303 |
Source: Osceola County records · APN 161043
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 | 540 E 19TH ST, SAINT CLOUD, FL 34769-5432 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| May 19, 2021 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage M & T BANK |
| Oct 28, 2025 | Warranty Deed, Transfer · Conventional Mortgage AMERICAN FINANCIAL NETWORK INC |
| Jul 28, 2017 | Special Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage HOMEBRIDGE FINANCIAL SERVICES INC |
| Mar 30, 2017 | Loan Modification, Mortgage · Line of Credit PLATINUM BK |
| Mar 30, 2017 | Warranty Deed, Transfer INNOVATIVE TITLE AGENCY |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Oct 28, 2025 · Amount on Record |
| Deed Sale | Oct 28, 2025 · Amount on Record |
| Prior Sale | Jul 28, 2017 · Amount on Record |
| Deed Doc Number | 2025133315 |
| Deed Book / Page | 6871 / 1620 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 540 E 19TH ST, SAINT CLOUD, FL 34769-5432 |
| Transaction Type | Mortgage |
| Record Updated | Apr 02, 2026 |
| Name | Verified Name |
|---|---|
| Address | 540 E 19TH ST, SAINT CLOUD, FL 34769-5432 |
| Document Number | 0059612357 |
|---|---|
| Date | May 19, 2021 |
| Book Page | 5961/2357 |
| Instrument | 2021077228 |
| Name | M & T BANK |
|---|---|
| Type | Bank |
| Address | GETZVILLE, NY 14068 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 315 Months |
| Due | Aug 01, 2047 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Oct 28, 2025 |
| Property Address | 540 E 19TH ST, SAINT CLOUD, FL 34769-5432 |
| Document Number | 0068711620 |
| Book / Page | 6871 / 1620 |
| Map Reference | MB 20 PG 132 |
| Instrument Date | Oct 23, 2025 |
| Instrument | 2025133315 |
| Transaction Type | Transfer |
| Record Updated | Apr 02, 2026 |
| Title Company | GENERATIONS TITLE COMPANY LLC, GENERATION TITLE CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,443.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3649 CORD AVE, SAINT CLOUD, FL 34772-8315 |
| Name | Verified Name |
|---|---|
| Address | 540 E 19TH ST, SAINT CLOUD, FL 34769-5432 |
| Document Number | 0068711622 |
|---|---|
| Date | Oct 28, 2025 |
| Instrument | 6871/1622 |
| Name | AMERICAN FINANCIAL NETWORK INC |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2055 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jul 28, 2017 |
| Property Address | 540 E 19TH ST, SAINT CLOUD, FL 34769-5432 |
| Document Number | 0051860999 |
| Book / Page | 5186 / 0999 |
| Map Reference | MB20 PG132 |
| Instrument Date | Jul 27, 2017 |
| Instrument | 2017109867 |
| Transaction Type | Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | INNOVATIVE TITLE LCL |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,456.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3020 S FLORIDA AVE STE 101, 3020, LAKELAND, FL 33803-4058 |
| Name | Verified Name |
|---|---|
| Address | 540 E 19TH ST, SAINT CLOUD, FL 34769-5432 |
| Document Number | 0051861000 |
|---|---|
| Date | Jul 28, 2017 |
| Instrument | 5186/1000 |
| Name | HOMEBRIDGE FINANCIAL SERVICES INC |
|---|---|
| Type | Funding / Finance Company |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 01, 2047 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Mar 30, 2017 |
| Property Address | 540 E 19TH ST, SAINT CLOUD, FL 34769-5432 |
| Document Number | 0051242200 |
| Book / Page | 005124 / 002200 |
| Instrument Date | Mar 29, 2017 |
| Instrument | 48858 |
| Transaction Type | Mortgage |
| Record Updated | May 18, 2017 |
| Title Company | INNOVATIVE TITLE AGENCY |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 3020 S FLORIDA AVE #101 LAKELAND FL 338034058, 101, LAKELAND, FL 33803-4058 |
| Document Number | 51242200 |
|---|---|
| Date | Mar 30, 2017 |
| Book Page | 005124/002200 |
| Instrument | 48858 |
| Name | PLATINUM BK |
|---|---|
| Type | Bank |
| Address | 724 S FLORIDA AVE, LAKELAND, FL 33801-5233 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Mar 30, 2017 |
| Property Address | 540 E 19TH ST, SAINT CLOUD, FL 34769-5432 |
| Document Number | 0051242198 |
| Book / Page | 005124 / 002198 |
| Instrument Date | Mar 29, 2017 |
| Instrument | 48857 |
| Transaction Type | Transfer |
| Record Updated | May 17, 2017 |
| Title Company | INNOVATIVE TITLE AGENCY |
| Amount | Amount Recorded |
|---|---|
| Tax | $245.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 3020 S FLORIDA AVE #101 LAKELAND FL 338034058, 101, LAKELAND, FL 33803-4058 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,950.00 (+3.58%) Homeowner's exemption | $207,729 (+2.9%) | $330,000 (+0.24%) Land $50,000 Building $280,000 |
| 2024 | $2,848.00 (+2.82%) Homeowner's exemption | $201,875 (+3%) | $329,200 (+10.1%) Land $50,000 Building $279,200 |
| 2023 | $2,770.00 (+3.75%) Homeowner's exemption | $195,996 (+3%) | $299,000 (+14.65%) Land $45,000 Building $254,000 |
| 2022 | $2,670.00 Homeowner's exemption | $190,288 | $260,800 Land $45,000 Building $215,800 |
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
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Wildfire Risk | Moderate above 68% of the US · above 47% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 346 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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