3054 Sand Stone Cir, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3054 Sand Stone Cir, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,029 sqft · built 2006
Lot Size	0.373 acres (16,291 sqft)
Owner	Individual Name on File
Last Sale	$417,000 (Nov 2021)
Tax Bill	$4,071 (2025)
Deeds & Mortgages	Nov 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`131193`

Property Details

APN / Parcel Number

Primary APN	`131193`
Alternative APN	`222630023300011490`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	3,029 sqft Heated Area
Gross Area	3,910 sqft
1st Floor Area	3,029 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	16,291 sqft (0.373 acres)
Garage Type	Finished
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Screened Porch
Porch Area	461 sqft
Patio Area	210 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	131193
Street Address	3054 SAND STONE CIR
City	SAINT CLOUD
State	FL
Zip	34772-6525
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 149
Legal Range	30E
Legal Township	26S
Legal Section	22
Legal Subdivision	KEYSTONE POINTE
Legal Phase	3
Legal Tract	233
Legal Block	1
Legal Lot Number	149
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1013
Census Tract	43207

Owner

Source: Osceola County records · APN 131193

Assessment roll updated July 1, 2025 · Last verified December 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
Co-owner	2 Verified Secondary Owners
Mailing Address	3054 SAND STONE CIR, SAINT CLOUD, FL 34772-6525
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	3 Verified Names on Deed
Last Sale	Nov 01, 2021 · Amount on Record
Deed Sale	Nov 01, 2021 · Amount on Record
Prior Sale	Aug 06, 2010 · Amount on Record
Deed Document Number	2021169787
Deed Book / Page	6077 / 1305
Record Updated	Jun 08, 2026

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Nov 01, 2021
Property Address	3054 SAND STONE CIR, SAINT CLOUD, FL 34772-6525
Document Number	0060771305
Book / Page	6077 / 1305
Map Reference	MB 17 PG 97&98
Instrument Date	Oct 29, 2021
Instrument	2021169787
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	SMART INTERNATIONAL TITLE LLC, SMART INTERNATIONAL TTL LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,919.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3054 SAND STONE CIR, SAINT CLOUD, FL 34772-6525

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	157 MANTE DR, KISSIMMEE, FL 34743-7720

Mortgage

Document Number	0060771307
Date	Nov 01, 2021
Instrument	6077/1307

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 01, 2051

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 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

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	$4,071.00 (-43.6%) Homeowner's exemption	$252,266 (-37.03%)	$415,800 (+3.79%) Land $75,000 Building $340,800
2023	$7,218.00 (+8.51%)	$400,600 (+8.59%) Land $60,000 Building $340,600	$400,600 (+8.59%) Land $60,000 Building $340,600
2022	$6,652.00	$368,900 Land $55,000 Building $313,900	$368,900 Land $55,000 Building $313,900

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

Wildfire Risk	Moderate above 60% of the US · lower than 66% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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

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

Based on FCC filings for 429 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	ST. CLOUD, CITY OF (3 WPS) serves 82,752 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.