812 10th St, Saint Cloud, FL 34769 Property Records

Osceola County property record for 812 10th St, Saint Cloud, FL 34769 · Last verified February 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	2 Baths
Year Built	Built 1990
Square Footage	1,577 sqft Heated Area
Lot Size	7,841 sqft (0.18 acres)
Occupancy	Owner Occupied
Last Sale	$318,000 (2026)
Tax Bill	$4,599.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`81438`
Alternative APN	`022630001800010040`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,577 sqft Heated Area
Gross Area	2,115 sqft Gross Area
1st Floor	1,577 sqft 1st Floor
Stories	1 Stories
Primary Flooring	Carpet Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 1990
Exterior Material	Brick Exterior
Foundation Type	Footing Foundation
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	7,841 sqft (0.18 acres)
Depth X Width	150 ft x 50 ft Depth x Width
Parking Spaces	2 Parking Spaces
Garage Type	Finished Garage
Garage Area	484 sqft Garage
Fence	Fence
Porch	Open Porch
Porch Area	54 sqft Porch

Utilities and HVAC

Cooling System	A/C Package Cooling
Heating System	HVAC Heating

Location & Zoning

Account Number	81438
Street Address	812 10TH ST
City	SAINT CLOUD
State	FL
Zip	34769-3411
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	C & G SUBDIVISION PB 6 PG 42 LOT 4
Legal Range	30E
Legal Township	26S
Legal Section	02
Legal Subdivision	ST CLOUD
Legal Tract	18
Legal Block	1
Legal Lot Number	4
Jurisdiction	OSCEOLA FL
Minor Civil Division	ST. CLOUD
Census Blockgroup	4
Census Block	4003
Census Tract	43500

Owner

Source: Osceola County records · APN 81438

Assessment roll updated July 1, 2025 · Last verified February 2026

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	812 10TH STREET, SAINT CLOUD, FL 34769-3411
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jan 13, 2026 · Amount on Record
Deed Sale	Jan 13, 2026 · Amount on Record
Prior Sale	Feb 20, 2003 · Amount on Record
Deed Doc Number	2026005595
Deed Book / Page	6907 / 2322
Record Refreshed	Jun 08, 2026

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 13, 2026
Property Address	812 10TH ST, SAINT CLOUD, FL 34769-3411
Document Number	0069072322
Book / Page	6907 / 2322
Map Reference	MB 6 PG 42
Instrument Date	Jan 08, 2026
Instrument	2026005595
Transaction Type	Transfer
Record Updated	Jan 26, 2026
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,226.00
Amount Accuracy	Rounded Values by County
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1210 POTTER AVE, RICHLAND, WA 99354-3127

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	812-10TH STREET, SAINT CLOUD, FL 34769-3411

Mortgage

Document Number	0069072324
Date	Jan 13, 2026
Instrument	6907/2324

Lender

Name	PLAINS COMMERCE BANK
Type	Bank

Agreement

Type	Federal Housing Administration (FHA) Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 01, 2056

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified February 2026

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

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	$4,599.00 (+18.35%)	$284,700 (+16.06%) Land $46,800 Building $237,900	$284,700 (+16.06%) Land $46,800 Building $237,900
2023	$3,886.00 (+12.09%)	$245,300 (+16.53%) Land $34,000 Building $211,300	$245,300 (+16.53%) Land $34,000 Building $211,300
2022	$3,467.00	$210,500 Land $30,600 Building $179,900	$210,500 Land $30,600 Building $179,900

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 Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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