Osceola County property record for 915 3rd St, Saint Cloud, FL 34769 · Last verified August 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 1995 |
| Square Footage | 1,056 sqft Living Area |
| Lot Size | 7,013 sqft (0.161 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $167,000 (2018) |
| Tax Bill | $1,584.00 (2024) |
| Primary APN | 01-26-30-0001-0410-0100 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,056 sqft Living Area |
| Gross Area | 1,200 sqft Gross Area |
| 1st Floor | 1,056 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Tile Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Custom Design Style |
| Exterior Material | Concrete Block Exterior |
| Construction Type | Masonry/Concrete Masonry Units (CMUs) Construction |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 7,013 sqft (0.161 acres) |
| Depth X Width | 100 ft x 70 ft Depth x Width |
| Shed | 1 Shed |
| Shed Area | 80 sqft Shed |
| Porch Area | 336 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 915 3RD ST |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-2328 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LAKE FRONT ADD PB B PG 61 BLK 410 E 70 FT LOT 10 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD 2ND PLAT TOWN OF |
| Legal Tract | 1 |
| Legal Block | 410 |
| Legal Lot Number | 10 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 3 |
| Census Block | 3016 |
| Census Tract | 43500 |
Source: Osceola County records · APN 01-26-30-0001-0410-0100
Assessment roll updated November 26, 2025 · Last verified August 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 | 915 3RD ST, SAINT CLOUD, FL 34769-2328 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Vesting | Life Estate |
| Date | Document |
|---|---|
| Oct 27, 2021 | Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION |
| Jan 23, 2019 | Deed of Trust, Mortgage · Line of Credit CENTRAL FLORIDA EDUCATORS FCU |
| Mar 15, 2018 | Warranty Deed, Transfer · Conventional Mortgage HOMEBRIDGE FINANCIAL SERVICES INC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Mar 15, 2018 · Amount on Record |
| Deed Sale | Mar 15, 2018 · Amount on Record |
| Prior Sale | Apr 18, 1997 · Amount on Record |
| Deed Doc Number | 201843293 |
| Deed Book / Page | 5302 / 1072 |
| Last Transfer Date | Oct 21, 2021 |
| Transfer Doc | 0060740572 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Oct 27, 2021 |
| Property Address | 915 3RD ST, SAINT CLOUD, FL 34769-2328 |
| Document Number | 0060740572 |
| Book / Page | 6074 / 572 |
| Map Reference | MB B PG 61-64 |
| Instrument Date | Oct 21, 2021 |
| Instrument | 2021167217 |
| Transaction Type | Transfer |
| Record Updated | Nov 17, 2021 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Zero or No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 915 3RD ST, SAINT CLOUD, FL 34769-2328 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 915 3RD ST, SAINT CLOUD, FL 34769-2328 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | MORTGAGEE TITLE SERVICES INC |
| Name | Verified Name |
|---|
| Document Number | 0054662721 |
|---|---|
| Date | Jan 23, 2019 |
| Book Page | 5466/2721 |
| Instrument | 2019009486 |
| Name | CENTRAL FLORIDA EDUCATORS FCU |
|---|---|
| Type | Credit Union |
| Address | LAKE MARY, FL 32746 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 420 Months |
| Due | Jan 22, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Mar 15, 2018 |
| Property Address | 915 3RD ST, SAINT CLOUD, FL 34769-2328 |
| Document Number | 0053021072 |
| Book / Page | 5302 / 1072 |
| Map Reference | MB B PG61-64 |
| Instrument Date | Dec 27, 2017 |
| Instrument | 2018043293 |
| Transaction Type | Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | PUBLIC TITLE SERVICES LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,169.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 915 3RD ST, 915, SAINT CLOUD, FL 34769-2328 |
| Name | Verified Name |
|---|---|
| Address | 915 3RD ST, SAINT CLOUD, FL 34769-2328 |
| Document Number | 2018043294 |
|---|---|
| Date | Mar 15, 2018 |
| Instrument | 2018043294 |
| Name | HOMEBRIDGE FINANCIAL SERVICES INC |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 358 Months |
| Due | Jan 01, 2048 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified August 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 | $1,649.00 (+4.1%) Homeowner's exemption Widower's exemption | $140,006 (+5.99%) | $262,700 (+11.74%) Land $54,000 Building $208,700 |
| 2024 | $1,584.00 (+3.53%) | ||
| 2023 | $1,530.00 (-1.42%) Homeowner's exemption Widower's exemption | $132,099 (+3%) | $235,100 (+12.49%) Land $49,500 Building $185,600 |
| 2022 | $1,552.00 Homeowner's exemption | $128,252 | $209,000 Land $45,000 Building $164,000 |
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 | Moderate |
| 500-Year Floodplain | Yes |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Wildfire Risk | Low above 34% of the US · above 9% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 2,381 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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