3068 Sand Stone Cir, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3068 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	0.264 acres (11,543 sqft)
Owner	2 Individual Names on File
Last Sale	$330,000 (May 2020)
Tax Bill	$4,845 (2025)
Deeds & Mortgages	Jul 2024 Mortgage Nov 2025 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`131186`

Property Details

APN / Parcel Number

Primary APN	`131186`
Alternative APN	`222630023300011420`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	3,029 sqft Heated Area
Gross Area	3,917 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	11,543 sqft (0.264 acres)
Lot Dimensions	144 ft deep x 80 ft wide
Garage Type	Finished
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	336 sqft
Porch	Open Porch
Porch Area	468 sqft
Deck Area	544 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	131186
Street Address	3068 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 142
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	142
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1013
Census Tract	43207

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	2 Individual Names on File
Mailing Address	3068 SAND STONE CIR, SAINT CLOUD, FL 34772-6525
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 9, 2024	Deed of Trust, Mortgage · Conventional Mortgage CITADEL SERVICING CORPORATION
Nov 12, 2025	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
May 4, 2020	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 4, 2020 · Amount on Record
Deed Sale	May 4, 2020 · Amount on Record
Prior Sale	Nov 24, 2009 · Amount on Record
Deed Document Number	2020060021
Deed Book / Page	5717 / 1454
Record Updated	Jun 8, 2026

July 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3068 SAND STONE CIR, SAINT CLOUD, FL 34772-6525
Transaction Type	Mortgage
Record Updated	Dec 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3068 SAND STONE CIR, SAINT CLOUD, FL 34772-6525
Investor	Possibly a Property Investor

Mortgage

Document Number	0066300735
Date	Jul 9, 2024
Book Page	6630/735
Instrument	2024089405

Lender

Name	CITADEL SERVICING CORPORATION
Type	Non-Lending Institution
Address	IRVINE, CA 92618

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2054

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3068 SAND STONE CIR, SAINT CLOUD, FL 34772-6525
Transaction Type	Mortgage
Record Updated	Dec 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3068 SAND STONE CIR, SAINT CLOUD, FL 34772-6525

Mortgage

Document Number	0068782129
Date	Nov 12, 2025
Book Page	6878/2129
Instrument	2025139271

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2055

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 4, 2020
Property Address	3068 SAND STONE CIR, SAINT CLOUD, FL 34772-6525
Document Number	0057171454
Book / Page	005717 / 001454
Instrument Date	Apr 29, 2020
Instrument	60021
Transaction Type	Transfer
Record Updated	Jun 24, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$2,310.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3068 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	$4,845.00 (+6.04%) Homeowner's exemption	$313,599 (+5.99%)	$428,200 (+3.73%) Land $75,000 Building $353,200
2023	$4,569.00 (+3.44%) Homeowner's exemption	$295,885 (+3%)	$412,800 (+7.92%) Land $60,000 Building $352,800
2022	$4,417.00 Homeowner's exemption	$287,267	$382,500 Land $55,000 Building $327,500

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 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 at the parcel

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
Lumen Technologies DSL	140 / 20

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

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