80 12th St, Saint Cloud, FL 34769 Property Records

Osceola County property record for 80 12th St, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,508 sqft · built 1950
Lot Size	0.519 acres (22,651 sqft)
Owner	Individual Name on Record
Last Sale	$159,000 (May 2017)
Tax Bill	$2,340 (2025)
Deeds & Mortgages	Oct 2023 Mortgage Aug 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`78016`

Property Details

APN / Parcel Number

Primary APN	`78016`
Alternative APN	`012630000101750070`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,508 sqft Heated Area
Gross Area	1,675 sqft
1st Floor Area	1,508 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1975
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	22,651 sqft (0.519 acres)
Lot Dimensions	150 ft deep x 150 ft wide
Garage Area	458 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	576 sqft
Porch	Finished/Screened Porch
Porch Area	167 sqft
Deck Area	348 sqft
Fence	Fence
Shed	1 Shed
Shed Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	78016
Street Address	80 12TH ST
City	SAINT CLOUD
State	FL
Zip	34769-3925
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR2
Legal Description	ST CLOUD PB B PG 34 BLK 175 LOTS 7 THRU 12 1/26/30
Legal Range	30E
Legal Township	26S
Legal Section	01
Legal Subdivision	ST CLOUD
Legal Tract	1
Legal Block	175
Legal Lot Number	7-12 8
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	5
Census Block	5067
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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	80 12TH ST, SAINT CLOUD, FL 34769-3925
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 3, 2023	Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC
Aug 5, 2021	Deed of Trust, Mortgage · FHA Mortgage FLAGSTAR BANK FSB
May 11, 2017	Warranty Deed, Transfer · FHA Mortgage HAMILTON GROUP FUNDING INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 11, 2017 · Amount on Record
Deed Sale	May 11, 2017 · Amount on Record
Deed Document Number	2017069273
Deed Book / Page	5146 / 1238
Record Updated	Jun 8, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	80 12TH ST, SAINT CLOUD, FL 34769-3925
Transaction Type	Mortgage
Record Updated	Oct 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	80 12TH ST, SAINT CLOUD, FL 34769-3925

Mortgage

Document Number	0064832914
Date	Oct 3, 2023
Book Page	6483/2914
Instrument	2023130249

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	MADISON HEIGHTS, MI 48071

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	283 Months
Due	May 1, 2047

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	80 12TH ST, SAINT CLOUD, FL 34769-3925
Transaction Type	Mortgage
Record Updated	Aug 20, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	80 12TH ST, SAINT CLOUD, FL 34769-3925

Mortgage

Document Number	0060162820
Date	Aug 5, 2021
Book Page	6016/2820
Instrument	2021121390

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	JACKSONVILLE, FL 32202

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	309 Months
Due	May 1, 2047

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 11, 2017
Property Address	80 12TH ST, SAINT CLOUD, FL 34769-3925
Document Number	0051461238
Book / Page	5146 / 1238
Map Reference	MB B PG33
Instrument Date	Apr 28, 2017
Instrument	2017069273
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	OLIVER TITLE LAW

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,113.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	579 VOLUNTEER RD, 579, HILLSVILLE, VA 24343-4578

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	80 12TH ST, SAINT CLOUD, FL 34769-3925

Mortgage

Document Number	0051461240
Date	May 11, 2017
Instrument	5146/1240

Lender

Name	HAMILTON GROUP FUNDING INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2047

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	$2,340.00 (+6.8%) Homeowner's exemption	$173,610 (+5.99%)	$276,600 (+12.99%) Land $71,500 Building $205,100
2023	$2,191.00 (+4.88%) Homeowner's exemption	$163,804 (+3.63%)	$244,800 (+12.09%) Land $65,000 Building $179,800
2022	$2,089.00 Homeowner's exemption	$158,066	$218,400 Land $58,500 Building $159,900

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 51 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	51 in force

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 66% of the US · lower than 91% of Florida
Wildfire Likelihood	0.02% 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 356 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	2,000 / 1,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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