3028 Drema Dr, Saint Cloud, FL 34769 Property Records

Osceola County property record for 3028 Drema Dr, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,278 sqft · built 1981
Lot Size	0.375 acres (16,335 sqft)
Owner	Individual Name on File
Tax Bill	$2,222 (2025)
Deeds & Mortgages	Apr 2019 Sale & Mortgage Mar 2018 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`84909`

Property Details

APN / Parcel Number

Primary APN	`84909`
Alternative APNs	`142630085200010290` `142630398500010290`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,278 sqft Heated Area
Gross Area	2,001 sqft
1st Floor Area	1,278 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	16,335 sqft (0.375 acres)
Lot Dimensions	115 ft deep x 139 ft wide
Garage Type	Finished
Garage Area	567 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	156 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	84909
Old Parcel Number	142630398500010290
Street Address	3028 DREMA DR
City	SAINT CLOUD
State	FL
Zip	34769-5514
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR1A
Legal Description	LORRAINE EST UNIT 1 PB 2 PG 184 LOT 29
Legal Range	30E
Legal Township	26S
Legal Section	14
Legal Subdivision	LORRAINE EST 1-4
Legal Tract	852
Legal Block	1
Legal Lot Number	29
Legal Unit	1P
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2019
Census Tract	43303

Owner

Source: Osceola County assessment roll, as of July 1, 2025

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	3028 DREMA DR, SAINT CLOUD, FL 34769-5514
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 11, 2019	Warranty Deed, Transfer · VA Mortgage CALIBER HOME LOANS INC
Mar 28, 2018	Loan Modification, Mortgage · Conventional Mortgage WFB NA

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Aug 22, 2023
Deed Sale	Aug 22, 2023
Prior Sale	May 21, 2013 · Amount on Record
Deed Document Number	2019046216
Deed Book / Page	5506 / 1554
Prior Transfer Date	Apr 11, 2019
Prior Transfer Doc	2019046216
Record Updated	Jun 8, 2026

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 11, 2019
Property Address	3028 DREMA DR, SAINT CLOUD, FL 34769-5514
Document Number	0055061554
Book / Page	5506 / 1554
Map Reference	MB 2 PG 184
Instrument Date	Apr 11, 2019
Instrument	2019046216
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,470.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6112 WATERFIELD WAY, 6112, SAINT CLOUD, FL 34771-8845

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3028 DREMA DR, SAINT CLOUD, FL 34769-5514

Mortgage

Document Number	2019046217
Date	Apr 11, 2019
Instrument	2019046217

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

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

March 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OSCEOLA FL
Property Address	3028 DREMA DR, SAINT CLOUD, FL 34769-5514
Document Number	0053210042
Instrument Date	Mar 28, 2018
Transaction Type	Mortgage
Record Updated	May 22, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3028 DREMA DR ST CLOUD FL 347695514, ST CLOUD, FL 34769-5514

Mortgage

Document Number	0053210042
Date	Apr 23, 2018
Book Page	005321/000042
Instrument	63270

Lender

Name	WFB NA
Address	FORT MILL, SC 29715

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 22, 2048

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 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	$2,222.00 (-5.93%) Homeowner's exemption Senior Citizen's exemption Widower's exemption	$183,677 (+5.99%)	$263,200 (+11.34%) Land $65,000 Building $198,200
2023	$2,362.00 (+3.92%) Homeowner's exemption	$173,302 (+3%)	$236,400 (+24.75%) Land $60,000 Building $176,400
2022	$2,273.00 Homeowner's exemption	$168,255	$189,500 Land $50,000 Building $139,500

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 38 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	38 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	Low lower than 62% of the US · lower than 88% of Florida
Wildfire Likelihood	0.07% annual chance
Exposure	None beyond ember reach

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 200 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Lumen Technologies Fiber	2,000 / 1,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, Xfinity.

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