Skip to content
Skip to content
TopHapOpen in map
Retail Stores (Personal Services, Photography, Travel)Commercial

3189 13TH ST

SAINT CLOUD, FL 34769
0
Baths
8,096 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.86 ac
Lot SizeThe size of the land the home sits on, from county records.
1990
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
5
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$17,802 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$1,466,400 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$477,600
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$988,800
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$1,275,100
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$1,466,400

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.54
35
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
27
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
98
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
79
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
32
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.6 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Retail Stores (Personal Services, Photography, Travel)
CountyOsceola
Effective Year BuiltAn adjusted build year that accounts for condition and major remodels. A big renovation can make a home count as newer than it is.2005
Lot (acres)The size of the land the home sits on, from county records.0.86
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Footing
RoofThe main material covering the roof, such as asphalt shingle or tile.Builtup (layered Asphalt)
HeatingThe type of heating system in the home.Yes
CoolingThe type of cooling or air conditioning in the home.Package
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(1)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Neptune Elementary SchoolC-
Elementary · Grades KG–5 · 1.4 mi
H
Saint Cloud High SchoolC-
High · Grades 9–12 · 1.6 mi
M
Saint Cloud Middle SchoolB+
Middle · Grades 6–8 · 1.8 mi

District: Osceola County School District

Neighborhood · ZIP 34769These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.107
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.150
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.24

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.94%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.15%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.14%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.0%
PopulationHow many people live in this area.28,746
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.3,160 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$59,606
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$73,979
Average tempThe average temperature here across a full year.72°F
Annual precipHow much rain and melted snow falls here in a typical year.50 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.64%

Owner Tools

Do you own this home?
Claim this home

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

3189 13th St measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Among the largest homes in Saint Cloud 34769
  • Has a bigger lot than 98% of homes in Saint Cloud 34769
  • Older than 78% of homes in Osceola County

How it measures up in Saint Cloud 34769

The dot is this home. The mark in the middle is the typical home in Saint Cloud 34769.

Living area8,096 ft²
SmallerTypical 1,444 ft²Bigger

Bigger than almost all homes nearby

Lot size0.86 ac
SmallerTypical 0.17 acBigger

Bigger than 98% of homes nearby

Year built1990
OlderTypical 1988Newer

Newer than 56% of homes nearby

How 3189 13th St ranks against every home in each area.
MeasureThis homeSaint Cloud 34769Osceola County
Living areabigger than8,096 ft²almost all homesalmost all homes
Lot sizebigger than0.86 ac98% of homes95% of homes
Year builtnewer than199056% of homes22% of homes

About 3189 13th St

When did 3189 13th St, Saint Cloud, FL last sell?

3189 13th St, Saint Cloud, FL last sold on Dec 30, 2007, according to the county's recorded deed.

How big is 3189 13th St, Saint Cloud, FL?

3189 13th St, Saint Cloud, FL has 8,096 square feet of living space and a 0.86-acre lot.

When was 3189 13th St, Saint Cloud, FL built?

3189 13th St, Saint Cloud, FL was built in 1990, making it 36 years old. The building has 1 story.

What schools serve 3189 13th St, Saint Cloud, FL?

3189 13th St, Saint Cloud, FL is assigned to Neptune Elementary School (elementary), rated C-; Saint Cloud High School (high), rated C-; Saint Cloud Middle School (middle), rated B+. All sit in Osceola County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 3189 13th St, Saint Cloud, FL compare to other homes in Saint Cloud 34769?

Among the 9,489 homes in Saint Cloud 34769, it is bigger than almost all of them (8,096 ft² against a typical 1,444 ft²), its lot is bigger than 98% of them (0.86 ac against a typical 0.17 ac) and it is newer than 56% of them (1990 against a typical 1988). These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 3189 13th St, Saint Cloud, FL?

The 2025 property tax bill for 3189 13th St, Saint Cloud, FL was $17,802. The county assessed it at $1,466,400.

More homes on 13th St

Closest homes

More homes in Saint Cloud 34769

Assigned schools

Explore the area

See this home in context

Open 3189 13th St on TopHap’s interactive map to compare it against every sale nearby, overlay school zones and flood risk, and run a CMA.

Open in map
A flyover of TopHap's photorealistic 3D map, with recorded sale prices pinned to homes
Search any address, city, zip, or county…3D$1.9M$6.25MOpen in map