Osceola County property record for 865 E 10th St, Saint Cloud, FL 34769 · Last verified April 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 1994 |
| Square Footage | 1,218 sqft Living Area |
| Lot Size | 17,249 sqft (0.396 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $370,000 (2023) |
| Tax Bill | $4,794.00 (2024) |
| Primary APN | 06-26-31-0735-0001-0070 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,218 sqft Living Area |
| Gross Area | 1,683 sqft Gross Area |
| 1st Floor | 1,218 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1994 |
| Architectural Style | Conventional Style |
| Exterior Material | Concrete Block Exterior |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 17,249 sqft (0.396 acres) |
| Depth X Width | 230 ft x 75 ft Depth x Width |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 400 sqft Garage |
| Pool Type | In-Ground Pool Pool Type |
|---|---|
| Pool Area | 36 sqft Pool |
| Deck Area | 540 sqft Deck |
| Porch Area | 341 sqft Porch |
| Pole Structure | 100 sqft Pole Structure |
| Utility Building | 192 sqft Utility Building |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 865 E 10TH ST |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-3921 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | SUGARBELT OAKS PB 7 PG 149 LOT 7 ORD# 2011-34 |
| Legal Range | 31E |
| Legal Township | 26S |
| Legal Section | 06 |
| Legal Subdivision | SUGARBELT OAKS |
| Legal Tract | 735 |
| Legal Block | 70 |
| Legal Lot Number | 7 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 2 |
| Census Block | 2058 |
| Census Tract | 43600 |
Source: Osceola County records · APN 06-26-31-0735-0001-0070
Assessment roll updated November 26, 2025 · Last verified April 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 865 E 10TH ST, SAINT CLOUD, FL 34769-3921 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Vesting | Husband And Wife |
| Date | Document |
|---|---|
| Aug 15, 2023 | Warranty Deed, Transfer · Conventional Mortgage TEACHERS FCU |
| Sep 13, 2021 | Deed of Trust, Mortgage · Line of Credit REGIONS BANK |
| Sep 03, 2021 | Deed of Trust, Mortgage · Line of Credit REGIONS BANK |
| Apr 07, 2021 | Deed of Trust, Mortgage · Line of Credit REGIONS BANK |
| Mar 26, 2020 | Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage NP INC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 15, 2023 · Amount on Record |
| Deed Sale | Aug 15, 2023 · Amount on Record |
| Prior Sale | Mar 26, 2020 · Amount on Record |
| Deed Doc Number | 2023106470 |
| Deed Book / Page | 6457 / 2791 |
| Prior Transfer Date | Mar 23, 2020 |
| Prior Transfer Doc | 0056982617 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Aug 15, 2023 |
| Property Address | 865 E 10TH ST, SAINT CLOUD, FL 34769-3921 |
| Document Number | 0064572791 |
| Book / Page | 6457 / 2791 |
| Map Reference | MB 7 PG 149 |
| Instrument Date | Aug 11, 2023 |
| Instrument | 2023106470 |
| Transaction Type | Transfer |
| Record Updated | Aug 31, 2023 |
| Title Company | TRULY TITLE INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,590.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 435 FLORIDA AVE, SAINT CLOUD, FL 34769-2856 |
| Name | Verified Name |
|---|---|
| Address | 865 E 10TH ST, SAINT CLOUD, FL 34769-3921 |
| Document Number | 0064572793 |
|---|---|
| Date | Aug 15, 2023 |
| Instrument | 6457/2793 |
| Name | TEACHERS FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.75% |
| Type Change Date | Sep 01, 2030 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3% |
| Max Rate At Change | 11.7% |
| Margin | 3 |
| Max Rate | 11.7% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 865 E 10TH ST, SAINT CLOUD, FL 34769-3921 |
| Transaction Type | Mortgage |
| Record Updated | Sep 28, 2021 |
| Name | Verified Name |
|---|---|
| Address | 865 E 10TH ST, SAINT CLOUD, FL 34769-3921 |
| Document Number | 0060411510 |
|---|---|
| Date | Sep 13, 2021 |
| Book Page | 6041/1510 |
| Instrument | 2021141206 |
| Name | REGIONS BANK |
|---|---|
| Type | Bank |
| Address | BIRMINGHAM, AL 35244 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Sep 01, 2041 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 865 E 10TH ST, SAINT CLOUD, FL 34769-3921 |
| Transaction Type | Mortgage |
| Record Updated | Sep 20, 2021 |
| Name | Verified Name |
|---|---|
| Address | 865 E 10TH ST, SAINT CLOUD, FL 34769-3921 |
| Document Number | 0060361359 |
|---|---|
| Date | Sep 03, 2021 |
| Book Page | 6036/1359 |
| Instrument | 2021137271 |
| Name | REGIONS BANK |
|---|---|
| Type | Bank |
| Address | BIRMINGHAM, AL 35244 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 17, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 865 E 10TH ST, SAINT CLOUD, FL 34769-3921 |
| Transaction Type | Mortgage |
| Record Updated | May 04, 2021 |
| Name | Verified Name |
|---|---|
| Address | 865 E 10TH ST, SAINT CLOUD, FL 34769-3921 |
| Document Number | 0059292455 |
|---|---|
| Date | Apr 07, 2021 |
| Book Page | 5929/2455 |
| Instrument | 2021051899 |
| Name | REGIONS BANK |
|---|---|
| Type | Bank |
| Address | BIRMINGHAM, AL 35211 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Apr 01, 2036 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Mar 26, 2020 |
| Property Address | 865 E 10TH ST, SAINT CLOUD, FL 34769-3921 |
| Document Number | 0056982617 |
| Book / Page | 005698 / 002617 |
| Instrument Date | Mar 23, 2020 |
| Instrument | 42999 |
| Transaction Type | Transfer |
| Record Updated | Jun 08, 2020 |
| Title Company | AMERICAS TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,260.00 |
| Amount Accuracy | Confirmed |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 865 E 10TH ST ST CLOUD FL 347693921, ST CLOUD, FL 34769-3921 |
| Document Number | 56982619 |
|---|---|
| Date | Mar 26, 2020 |
| Book Page | 005698/002619 |
| Instrument | 43000 |
| Name | NP INC |
|---|---|
| Address | BOCA RATON, FL 33431 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 25, 2050 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 2026
| 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 | $4,958.00 (+3.42%) | $319,916 (+49.65%) | $320,600 (+17.26%) Land $71,200 Building $249,400 |
| 2024 | $4,794.00 (+55.1%) | ||
| 2023 | $3,091.00 (+3.69%) Homeowner's exemption | $213,771 (+3%) | $273,400 (+24.22%) Land $49,400 Building $224,000 |
| 2022 | $2,981.00 Homeowner's exemption | $207,545 | $220,100 Land $49,400 Building $170,700 |
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 |
| 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.
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