Osceola County property record for 3064 Sand Stone Cir, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,573 sqft · built 2006 |
| Lot Size | 0.264 acres (11,500 sqft) |
| Owner | Individual Name on File |
| Last Sale | $298,900 (Sep 2006) |
| Tax Bill | $1,999 (2025) |
| Deeds & Mortgages | Mar 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 131188 |
| Primary APN | 131188 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,573 sqft Heated Area |
| Gross Area | 3,101 sqft |
| 1st Floor Area | 2,573 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| 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 | 66 sqft |
| Patio Area | 140 sqft |
| Fence | Fence |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 131188 |
|---|---|
| Street Address | 3064 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 144 |
| 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 | 144 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 43207 |
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 | 3064 SAND STONE CIR, SAINT CLOUD, FL 34772-6525 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Sep 6, 2006 · Amount on Record |
| Deed Sale | Sep 6, 2006 · Amount on Record |
| Prior Sale | Sep 6, 2006 · Amount on Record |
| Deed Document Number | 0032680568 |
| Deed Book / Page | 3268 / 0568 |
| Last Transfer Date | Mar 31, 2015 |
| Transfer Doc | 0047562017 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3064 SAND STONE CIR, SAINT CLOUD, FL 34772-6525 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Name | Verified Name |
|---|---|
| Address | 3064 SAND STONE CIR, SAINT CLOUD, FL 34772-6525 |
| Document Number | 0061741280 |
|---|---|
| Date | Mar 17, 2022 |
| Book Page | 6174/1280 |
| Instrument | 2022043354 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 229 Months |
| Due | Apr 1, 2041 |
Source: Osceola County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,999.00 (+7.01%) Homeowner's exemption | $154,608 (+5.99%) | $377,200 (+8.61%) Land $75,000 Building $302,200 |
| 2023 | $1,868.00 (+4.18%) Homeowner's exemption | $145,875 (+3%) | $347,300 (+8.57%) Land $60,000 Building $287,300 |
| 2022 | $1,793.00 Homeowner's exemption | $141,627 | $319,900 Land $55,000 Building $264,900 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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.
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.
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 |
| 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.
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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