3060 Sand Stone Cir, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3060 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	0.262 acres (11,456 sqft)
Owner	2 Individual Names on Record
Last Sale	$245,000 (Jan 2017)
Tax Bill	$4,038 (2025)
Deeds & Mortgages	Feb 2020 Mortgage Jan 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`131190`

Property Details

APN / Parcel Number

Primary APN	`131190`
Alternative APN	`222630023300011460`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	3,029 sqft Heated Area
Gross Area	3,807 sqft
1st Floor Area	3,029 sqft
Flooring	Tile
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	11,456 sqft (0.262 acres)
Lot Dimensions	144 ft deep x 80 ft wide
Garage Type	Finished
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	358 sqft
Patio Area	110 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	131190
Street Address	3060 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 146
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	146
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 December 11, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	3060 SAND STONE CIR, SAINT CLOUD, FL 34772-6525
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 12, 2020	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Jan 10, 2017	Grant Deed, Transfer STEWART TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 10, 2017 · Amount on Record
Deed Sale	Jan 10, 2017 · Amount on Record
Prior Sale	Jul 26, 2016 · Amount on Record
Deed Document Number	2017005410
Deed Book / Page	5083 / 2248
Record Updated	Jun 8, 2026

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3060 SAND STONE CIR, SAINT CLOUD, FL 34772-6525
Transaction Type	Mortgage
Record Updated	Feb 8, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0056731279
Date	Feb 12, 2020
Book Page	5673/1279
Instrument	2020021529

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Mar 1, 2045

January 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 10, 2017
Property Address	3060 SAND STONE CIR, SAINT CLOUD, FL 34772-6525
Document Number	0050832248
Book / Page	005083 / 002248
Instrument Date	Jul 22, 2016
Instrument	5410
Transaction Type	Transfer
Record Updated	Jan 30, 2017
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Tax	$1,715.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3060 SANDSTONE CIR ST CLOUD FL 347726525, ST CLOUD, FL 34772-6525

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	$4,038.00 (+6.18%) Homeowner's exemption	$268,523 (+5.99%)	$410,100 (+3.74%) Land $75,000 Building $335,100
2023	$3,803.00 (+3.54%) Homeowner's exemption	$253,356 (+3%)	$395,300 (+8.48%) Land $60,000 Building $335,300
2022	$3,673.00 Homeowner's exemption	$245,977	$364,400 Land $55,000 Building $309,400

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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