3062 Sand Stone Cir, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3062 Sand Stone Cir, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,320 sqft · built 2006
Lot Size	0.264 acres (11,500 sqft)
Owner	Individual Name on Record
Last Sale	$298,900 (May 2020)
Tax Bill	$3,923 (2025)
Deeds & Mortgages	Nov 2024 Mortgage Feb 2022 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`131189`

Property Details

APN / Parcel Number

Primary APN	`131189`
Alternative APN	`222630023300011450`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,320 sqft Heated Area
Gross Area	3,051 sqft
1st Floor Area	2,320 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	11,500 sqft (0.264 acres)
Lot Dimensions	144 ft deep x 80 ft wide
Garage Type	Finished
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	269 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	131189
Street Address	3062 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 145
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	145
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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	3062 SAND STONE CIR, SAINT CLOUD, FL 34772-6525
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 21, 2024	Deed of Trust, Mortgage · FHA Mortgage CARRINGTON MORTGAGE SERVICES LLC
Feb 8, 2022	Deed of Trust, Mortgage · Line of Credit SPRING EQ LLC
Dec 1, 2025	Deed of Trust, Mortgage · FHA Mortgage CARRINGTON MORTGAGE SERVICES LLC
May 11, 2020	Warranty Deed, Transfer · FHA Mortgage AMERIFIRST FINANCIAL CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 11, 2020 · Amount on Record
Deed Sale	May 11, 2020 · Amount on Record
Prior Sale	Apr 22, 2014 · Amount on Record
Deed Document Number	2020062476
Deed Book / Page	5720 / 1517
Record Updated	Jun 8, 2026

November 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3062 SAND STONE CIR, SAINT CLOUD, FL 34772-6525
Transaction Type	Mortgage
Record Updated	Dec 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3062 SAND STONE CIR, SAINT CLOUD, FL 34772-6525

Mortgage

Document Number	0067001880
Date	Nov 21, 2024
Book Page	6700/1880
Instrument	2024148924

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company
Address	ANAHEIM, CA 92806

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	307 Months
Due	Jun 1, 2050

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3062 SAND STONE CIR, SAINT CLOUD, FL 34772-6525
Transaction Type	Mortgage
Record Updated	Dec 12, 2025
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3062 SAND STONE CIR, SAINT CLOUD, FL 34772-6525

Mortgage

Document Number	0061451203
Date	Feb 8, 2022
Book Page	6145/1203
Instrument	2022020686

Lender

Name	SPRING EQ LLC
Type	Mortgage Company
Address	FLINT, MI 48501

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Jan 29, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3062 SAND STONE CIR, SAINT CLOUD, FL 34772-6525
Transaction Type	Mortgage
Record Updated	Dec 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3062 SAND STONE CIR, SAINT CLOUD, FL 34772-6525

Mortgage

Document Number	0068862395
Date	Dec 1, 2025
Book Page	6886/2395
Instrument	2025146557

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company
Address	ANAHEIM, CA 92806

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 11, 2020
Property Address	3062 SAND STONE CIR, SAINT CLOUD, FL 34772-6525
Document Number	0057201517
Book / Page	5720 / 1517
Map Reference	MB 17 PG 97&98
Instrument Date	May 1, 2020
Instrument	2020062476
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	SIMPLY TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,092.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3062 SAND STONE CIR, 3062, SAINT CLOUD, FL 34772-6525

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3062 SANDSTONE CIR, SAINT CLOUD, FL 34772-6525

Mortgage

Document Number	0057201520
Date	May 11, 2020
Instrument	5720/1520

Lender

Name	AMERIFIRST FINANCIAL CORP
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2050

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	$3,923.00 (+6.2%) Homeowner's exemption	$262,099 (+5.99%)	$375,200 (+8.66%) Land $75,000 Building $300,200
2023	$3,694.00 (+3.56%) Homeowner's exemption	$247,295 (+3%)	$345,300 (+8.55%) Land $60,000 Building $285,300
2022	$3,567.00 Homeowner's exemption	$240,093	$318,100 Land $55,000 Building $263,100

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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