Osceola County property record for 870 E 19th St, Saint Cloud, FL 34769 · Last verified May 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 2023 |
| Square Footage | 2,383 sqft Living Area |
| Lot Size | 18,905 sqft (0.434 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $500,000 (2023) |
| Tax Bill | $7,434.00 (2024) |
| Primary APN | 07-26-31-2504-0001-0020 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 2,383 sqft Living Area |
| Gross Area | 3,069 sqft Gross Area |
| 1st Floor | 2,383 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Carpet Flooring |
| Year Built | Built 2023 |
|---|---|
| Effective Year Built | Effective 2023 |
| Architectural Style | Conventional Style |
| Exterior Material | Concrete Block Exterior |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 18,905 sqft (0.434 acres) |
| Garage Type | Attached Garage |
| Garage Area | 420 sqft Garage |
| Shed | 1 Shed |
| Shed Area | 80 sqft Shed |
| Heating System | HVAC Heating |
|---|
| Street Address | 870 E 19TH ST |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-5418 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | AY BONITO PB 17 PG 39 LOT 2 |
| Legal Range | 31E |
| Legal Township | 26S |
| Legal Section | 07 |
| Legal Subdivision | AY BONITO |
| Legal Tract | 2504 |
| Legal Block | 20 |
| Legal Lot Number | 2 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 2 |
| Census Block | 2006 |
| Census Tract | 43303 |
Source: Osceola County records · APN 07-26-31-2504-0001-0020
Assessment roll updated November 26, 2025 · Last verified May 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 | 870 E 19TH ST, SAINT CLOUD, FL 34769-5418 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| May 04, 2026 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage NONE LISTED ON DOCUMENT |
| Nov 28, 2023 | Special Warranty Deed, Subdivision Related Transfer · Federal Housing Administration (FHA) Mortgage UNITED WHOLESALE MORTGAGE |
| Aug 08, 2022 | Deed of Trust, Mortgage · Conventional Mortgage TRINITY PEAK FINANCIAL LLC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Nov 28, 2023 · Amount on Record |
| Deed Sale | Nov 28, 2023 · Amount on Record |
| Deed Doc Number | 2023154781 |
| Deed Book / Page | 6510 / 315 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | May 04, 2026 |
| Property Address | 870 E 19TH ST, SAINT CLOUD, FL 34769-5418 |
| Document Number | 0000058689 |
| Book / Page | 6965 / 2881 |
| Instrument Date | Apr 27, 2026 |
| Instrument | 202658689 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 870 E 19TH ST, SAINT CLOUD, FL 34769-5418 |
| Document Number | 0000058689, |
|---|---|
| Date | May 04, 2026 |
| Book Page | 6965/2881 |
| Instrument | 202658689 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 345 Months |
| Due | Feb 01, 2055 |
| Rate | 6.38% |
|---|---|
| Max Rate | -1% |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Nov 28, 2023 |
| Property Address | 870 E 19TH ST, SAINT CLOUD, FL 34769-5418 |
| Document Number | 0065100315 |
| Book / Page | 6510 / 315 |
| Map Reference | MB 17 PG 39 |
| Instrument Date | Nov 21, 2023 |
| Instrument | 2023154781 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Dec 20, 2023 |
| Title Company | CELEBRATION TITLE GROUP |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,500.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1500 PARK CENTER DR, ORLANDO, FL 32835-5704 |
| Name | Verified Name |
|---|---|
| Address | 870 E 19TH ST, SAINT CLOUD, FL 34769-5418 |
| Document Number | 0065100319 |
|---|---|
| Date | Nov 28, 2023 |
| Book Page | 6510/319 |
| Instrument | 2023154783 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 870 E 19TH ST, SAINT CLOUD, FL 34769-5418 |
| Transaction Type | Mortgage |
| Record Updated | Aug 23, 2022 |
| Name | Verified Name |
|---|---|
| Address | 7485 CONROY WINDERMERE RD D, D, ORLANDO, FL 32835-2767 |
| Document Number | 0062650604 |
|---|---|
| Date | Aug 08, 2022 |
| Book Page | 6265/604 |
| Instrument | 2022121128 |
| Name | TRINITY PEAK FINANCIAL LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | LENEXA, KS 66215 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Aug 01, 2023 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified May 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $7,552.00 (+1.59%) | $464,800 (+932.89%) Land $50,000 Building $414,800 | $464,800 (+932.89%) Land $50,000 Building $414,800 |
| 2024 | $7,434.00 (+817.78%) | ||
| 2023 | $810.00 | $45,000 (-) Land $45,000 | $45,000 (-) Land $45,000 |
| 2022 | $810.00 | $45,000 Land $45,000 | $45,000 Land $45,000 |
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 60% of the US · above 33% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 532 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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