618 13th St, Saint Cloud, FL 34769 Property Records

Osceola County property record for 618 13th St, Saint Cloud, FL 34769

Property Summary

Property Type	Multi-Story Office Building
Details	4 ba · 5,196 sqft · built 1989
Lot Size	0.58 acres (25,265 sqft)
Owner	Company Name on Record
Tax Bill	$14,116 (2025)
Deeds & Mortgages	May 2020 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`78412`

Property Details

APN / Parcel Number

Primary APN	`78412`
Alternative APN	`012630000102260130`

Interior

Full Baths	4 Baths
Plumbing Fixtures	15 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	5,196 sqft Heated Area
Gross Area	5,368 sqft
1st Floor Area	4,796 sqft
Upper Floors Area	400 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1989
Effective Year Built	Effective 2005
Exterior Material	Concrete Block
Fire Resistance	Masonry Walls, Wood Interior
Foundation Type	Footing
Roof Type	Wood Truss
Roof Material	Composition Shingle
Lot Area	25,265 sqft (0.58 acres)
Lot Dimensions	75 ft deep x 120 ft wide

Exterior Amenities

Porch	Open Porch
Porch Area	172 sqft
Patio Area	24 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	78412
Street Address	618 13TH ST
City	SAINT CLOUD
State	FL
Zip	34769-4503
Property Category	Commercial
Property Type	Commercial > Office > Multi-Story Office Building
Local Zoning Code	SHB
Legal Description	ST CLOUD PB B PG 34 BLK 226 LOTS 13-19 LESS R/W 1/26/30
Legal Range	30E
Legal Township	26S
Legal Section	01
Legal Subdivision	ST CLOUD HWY CENTRAL
Legal Tract	1
Legal Block	226
Legal Lot Number	13-19 14
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	4
Census Block	4023
Census Tract	43500

Owner

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	Company Name on Record
Mailing Address	3660 KISSIMMEE PARK RD, SAINT CLOUD, FL 34772-9181
Owner Type	Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 5, 2012
Deed Sale	Sep 5, 2012
Prior Sale	Feb 7, 2008
Deed Document Number	0043262199
Prior Transfer Date	Jul 11, 2008
Prior Transfer Doc	2008113994
Record Updated	Jun 8, 2026

May 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OSCEOLA FL
Property Address	618 13TH ST, SAINT CLOUD, FL 34769-4503
Document Number	0057370002
Instrument Date	May 29, 2020
Transaction Type	Mortgage
Record Updated	Jul 29, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	618 13TH ST ST CLOUD FL 347694503, ST CLOUD, FL 34769-4503

Mortgage

Document Number	0057370002
Date	Jun 15, 2020
Book Page	005737/000002
Instrument	75857

Lender

Name	REGIONS BK
Type	Bank
Address	BIRMINGHAM, AL 35211

Agreement

Amount	Amount Recorded
Term	60 Months
Due	Jun 14, 2025

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Municipality	St. Cloud City
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$14,116.00 (+11.9%)	$788,700 (+12.59%) Land $347,400 Building $441,300	$788,700 (+12.59%) Land $347,400 Building $441,300
2023	$12,615.00	$700,500 Land $263,800 Building $436,700	$700,500 Land $263,800 Building $436,700

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

Flood

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 95% of Florida
Wildfire Likelihood	Under 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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