3006 Sand Stone Cir, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3006 Sand Stone Cir, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,284 sqft · built 2005
Lot Size	0.23 acres (10,018 sqft)
Owner	2 Individual Names on Record
Last Sale	$391,000 (Dec 2021)
Tax Bill	$7,159 (2025)
Deeds & Mortgages	Dec 2021 Sale & Mortgage Oct 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`22-26-30-0233-0001-1300`

Property Details

APN / Parcel Number

Primary APN	`22-26-30-0233-0001-1300`
Alternative APNs	`263022023300011300` `131174`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,284 sqft Living Area
Gross Area	3,156 sqft
1st Floor Area	2,284 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2010
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,018 sqft (0.23 acres)
Lot Dimensions	125 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	628 sqft
Parking Spaces	2 Parking Spaces
Porch	Florida Room
Porch Area	244 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3006 SAND STONE CIR
City	SAINT CLOUD
State	FL
Zip	34772-6528
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR1B
Legal Description	KEYSTONE POINTE PH 3 PB 17 PGS 97-98 LOT 130
Legal Range	30E
Legal Township	26S
Legal Section	22
Legal Subdivision	KEYSTONE POINTE PH 3
Legal Phase	3
Legal Tract	233
Legal Block	1300
Legal Lot Number	130
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1013
Census Tract	43207

Owner

Source: Osceola County records, as of November 26, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	24530 133RD AVE SE, KENT, WA 98042-5178
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 2, 2021	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Oct 28, 2019	Deed of Trust, Mortgage WATERSTONE MTG
Oct 16, 2019	Warranty Deed, Transfer · VA Mortgage NORTHPOINT MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 2, 2021 · Amount on Record
Deed Sale	Dec 2, 2021 · Amount on Record
Prior Sale	Oct 16, 2019 · Amount on Record
Deed Document Number	2021185492
Deed Book / Page	6098 / 200
Prior Transfer Date	May 16, 2014
Prior Transfer Doc	0046250350
Record Updated	Jun 8, 2026

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 2, 2021
Property Address	3006 SAND STONE CIR, SAINT CLOUD, FL 34772-6528
Document Number	0060980200
Book / Page	6098 / 200
Map Reference	MB 17 PG 97
Instrument Date	Nov 29, 2021
Instrument	2021185492
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	NONA TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,737.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2761 WOODSTREAM CIR, KISSIMMEE, FL 34743-5348

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	24530 133RD AVE SE, KENT, WA 98042-5178

Mortgage

Document Number	0006098202
Date	Dec 2, 2021
Instrument	6098/202

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2051

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3006 SAND STONE CIR, SAINT CLOUD, FL 34772-6528
Document Number	0056142625
Instrument Date	Oct 28, 2019
Transaction Type	Mortgage
Record Updated	Nov 12, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3006 SANDSTONE CIR ST CLOUD FL 347726528, ST CLOUD, FL 34772-6528

Mortgage

Document Number	0056142625
Date	Oct 30, 2019
Book Page	005614/002625
Instrument	140895

Lender

Name	WATERSTONE MTG
Type	Mortgage Company
Address	PEWAUKEE, WI 53072

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Oct 29, 2049

Interest

Rate Type	Adjustable Rate
Rate	5%

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 16, 2019
Property Address	3006 SAND STONE CIR, SAINT CLOUD, FL 34772-6528
Document Number	0056061620
Book / Page	5606 / 1620
Map Reference	MB 17 PG 97&98
Instrument Date	Oct 15, 2019
Instrument	2019133484
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	PROVINCIAL TITLE LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,212.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3006 SAND STONE CIR, 3006, SAINT CLOUD, FL 34772-6528

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5237 HAMMOCK CIR, SAINT CLOUD, FL 34771-8769

Mortgage

Document Number	0056061621
Date	Oct 16, 2019
Instrument	5606/1621

Lender

Name	NORTHPOINT MORTGAGE INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2049

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 2025

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,159.00 (+1.81%)	$399,800 (+8.64%) Land $75,000 Building $324,800	$399,800 (+8.64%) Land $75,000 Building $324,800
2024	$7,032.00 (+6.05%)
2023	$6,631.00 (+8.51%)	$368,000 (+8.59%) Land $60,000 Building $308,000	$368,000 (+8.59%) Land $60,000 Building $308,000
2022	$6,111.00	$338,900 Land $55,000 Building $283,900	$338,900 Land $55,000 Building $283,900

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 34 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	34 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 56% of the US · lower than 71% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ST. CLOUD, CITY OF (3 WPS) serves 82,752 people · EPA ID FL3491373
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	2 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 429 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
CenturyLink DSL	140 / 20

May also be available: AT&T, Verizon, Xfinity.

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