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3073 Lakes Crest Ave, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3073 Lakes Crest Ave, Saint Cloud, FL 34772 · Last verified May 2026

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 1,696 sqft · built 2021
Lot Size0.13 acres (5,662 sqft)
Owner2 Individual Names on File
Last Sale$280,288 (May 2021)
Tax Bill$6,644 (2025)
Deeds & MortgagesFeb 2023 Mortgage
Aug 2022 Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN19-26-31-0163-0001-5450

Property Details

APN / Parcel Number

Primary APN19-26-31-0163-0001-5450
Alternative APN
  • 263119016300015450

Interior

Bedrooms4 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,696 sqft Living Area
Gross Area2,422 sqft
1st Floor Area1,696 sqft
FlooringCarpet

Exterior

Year BuiltBuilt 2021
Effective Year BuiltEffective 2021
Architectural StyleConventional
Exterior MaterialConcrete Block
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area5,662 sqft (0.13 acres)
Garage TypeAttached
Garage Area441 sqft
PorchFlorida Room

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address3073 LAKES CREST AVE
CitySAINT CLOUD
StateFL
Zip34772-9019
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionGRAMERCY FARMS PH 8 PB 27 PGS 196-197 LOT 545
Legal Range31E
Legal Township26S
Legal Section19
Legal SubdivisionGRAMERCY FARMS PH 8
Legal Phase8
Legal Lot Number545
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1003
Census Tract43304

Owner

Source: Osceola County records · APN 19-26-31-0163-0001-5450

Assessment roll updated November 26, 2025 · Last verified May 2026

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

Owner of Record2 Individual Names on File
Mailing Address3073 LAKES CREST AVE, SAINT CLOUD, FL 34772-9019
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Feb 13, 2023Deed of Trust, Mortgage · FHA Mortgage
FREEDOM MORTGAGE CORP
Aug 26, 2022Deed of Trust, Mortgage · FHA Mortgage
FREEDOM MORTGAGE CORP
May 28, 2021Special Warranty Deed, Transfer · FHA Mortgage
KBHS HOME LOANS LLC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleMay 28, 2021 · Amount on Record
Deed SaleMay 28, 2021 · Amount on Record
Deed Document Number202183682
Deed Book / Page5969 / 638
Record UpdatedJun 08, 2026

February 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address3073 LAKES CREST AVE, SAINT CLOUD, FL 34772-9019
Transaction TypeMortgage
Record UpdatedMar 01, 2023

Transferred To (Grantee/Buyer)

NameVerified Name
Address3073 LAKES CREST AVE, SAINT CLOUD, FL 34772-9019

Mortgage

Document Number0063571694
DateFeb 13, 2023
Book Page6357/1694
Instrument2023017499
Lender
NameFREEDOM MORTGAGE CORP
TypeSubprime Lender
AddressMOUNT LAUREL, NJ 08054
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term340 Months
DueJun 01, 2051

August 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address3073 LAKES CREST AVE, SAINT CLOUD, FL 34772-9019
Transaction TypeMortgage
Record UpdatedJan 10, 2023

Transferred To (Grantee/Buyer)

NameVerified Name
Address3073 LAKES CREST AVE, SAINT CLOUD, FL 34772-9019

Mortgage

Document Number0062751905
DateAug 26, 2022
Book Page6275/1905
Instrument2022130943
Lender
NameFREEDOM MORTGAGE CORP
TypeSubprime Lender
AddressMOUNT LAUREL, NJ 08054
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term346 Months
DueJun 01, 2051

May 2021: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionOSCEOLA FL
Recording DateMay 28, 2021
Property Address3073 LAKES CREST AVE, SAINT CLOUD, FL 34772-9019
Document Number0059690638
Book / Page5969 / 638
Map ReferenceMB 27 PG 196&197
Instrument DateMay 27, 2021
Instrument2021083682
Transaction TypeTransfer
Record UpdatedJan 10, 2023
Title CompanyFIRST AMERICAN TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,962.10
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address9102 SOUTHPARK CENTER LOOP STE 100, 100, ORLANDO, FL 32819-8626

Transferred To (Grantee/Buyer)

NameVerified Name
Address3073 LAKES CREST AVE, SAINT CLOUD, FL 34772-9019

Mortgage

Document Number0005969640
DateMay 28, 2021
Instrument5969/640
Lender
NameKBHS HOME LOANS LLC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueJun 01, 2051

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified May 2026

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola 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.

YearTax BillAssessed ValueAssessed Market Value
2025$6,644.00 (+5.23%) Homeowner's exemption$307,183 (+5.99%)$323,200 (-0.62%) Land $70,000 Building $253,200
2024$6,314.00 (+2.52%)
2023$6,159.00 (+4.66%) Homeowner's exemption$289,832 (+5.62%)$325,200 (+18.51%) Land $60,000 Building $265,200
2022$5,885.00 Homeowner's exemption$274,400 Land $55,000 Building $219,400$274,400 Land $55,000 Building $219,400

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970433041, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 59 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies59 in force
Nearby Flood Claims1 (2017)
Most Recent ClaimSep 2017, Hurricane Irma

Wildfire

Wildfire RiskModerate
above 66% of the US · above 43% of Florida
Wildfire LikelihoodAbout 1 in 366 per year
ExposureDirect
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, availability as of December 31, 2025 · Published October 2026 · based on 381 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
Lumen TechnologiesFiber2,000 / 1,000
SpectrumCable1,000 / 1,000

May also be available at this address: Xfinity, Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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