Osceola County property record for 3081 Drema Dr, Saint Cloud, FL 34769 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 2017 |
| Square Footage | 1,822 sqft Living Area |
| Lot Size | 8,276 sqft (0.19 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $264,000 (2019) |
| Tax Bill | $4,190.00 (2025) |
| Primary APN | 14-26-30-0859-0001-0050 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,822 sqft Living Area |
| Gross Area | 2,494 sqft Gross Area |
| 1st Floor | 1,822 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Tile Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2017 |
|---|---|
| Effective Year Built | Effective 2017 |
| Architectural Style | Conventional Style |
| Exterior Material | Concrete Block Exterior |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 8,276 sqft (0.19 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 484 sqft Garage |
| Porch Area | 188 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 3081 DREMA DR |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-5513 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LORRAINE ESTATES PH 6 PB 24 PG 155 LOT 5 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 14 |
| Legal Subdivision | LORRAINE ESTATES PH 6 |
| Legal Phase | 6 |
| Legal Tract | 859 |
| Legal Block | 50 |
| Legal Lot Number | 5 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 2 |
| Census Block | 2019 |
| Census Tract | 43303 |
Source: Osceola County records · APN 14-26-30-0859-0001-0050
Assessment roll updated November 26, 2025 · Last verified July 2026
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 | 3081 DREMA DR, SAINT CLOUD, FL 34769-5513 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Apr 28, 2023 | Deed of Trust, Mortgage · Line of Credit NAVY FCU |
| Mar 05, 2019 | Warranty Deed, Transfer · Veterans Administration Mortgage MORTGAGE RESEARCH CENTER LLC |
| Jan 09, 2017 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage with Private Mortgage Insurance (PMI) LAWSON JAMES F TRUST (PT) |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Mar 05, 2019 · Amount on Record |
| Deed Sale | Mar 05, 2019 · Amount on Record |
| Prior Sale | Jan 09, 2017 · Amount on Record |
| Deed Doc Number | 201928267 |
| Deed Book / Page | 5486 / 2602 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3081 DREMA DR, SAINT CLOUD, FL 34769-5513 |
| Transaction Type | Mortgage |
| Record Updated | May 23, 2023 |
| Name | Verified Name |
|---|---|
| Address | 3081 DREMA DR, SAINT CLOUD, FL 34769-5513 |
| Document Number | 0063972116 |
|---|---|
| Date | Apr 28, 2023 |
| Book Page | 6397/2116 |
| Instrument | 2023052880 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 481 Months |
| Due | May 01, 2063 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Mar 05, 2019 |
| Property Address | 3081 DREMA DR, SAINT CLOUD, FL 34769-5513 |
| Document Number | 0054862602 |
| Book / Page | 5486 / 2602 |
| Map Reference | MB 24 PG 155 |
| Instrument Date | Mar 05, 2019 |
| Instrument | 2019028267 |
| Transaction Type | Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | STEWART TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,848.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3221 BUCKINGHAM WAY, 3221, SAINT CLOUD, FL 34772-8746 |
| Name | Verified Name |
|---|---|
| Address | 3081 DREMA DR, SAINT CLOUD, FL 34769-5513 |
| Document Number | 2019028268 |
|---|---|
| Date | Mar 05, 2019 |
| Instrument | 2019028268 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jan 09, 2017 |
| Property Address | 3081 DREMA DR, SAINT CLOUD, FL 34769-5513 |
| Document Number | 0050830734 |
| Book / Page | 005083 / 000734 |
| Instrument Date | Jan 06, 2017 |
| Instrument | 4737 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jan 30, 2017 |
| Title Company | OSCEOLA TITLE INSURANCE AGENCY INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,680.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3081 DREMA DR ST CLOUD FL 347695513, ST CLOUD, FL 34769-5513 |
| Document Number | 50830736, |
|---|---|
| Date | Jan 09, 2017 |
| Book Page | 005083/000736 |
| Instrument | 4738 |
| Name | LAWSON JAMES F TRUST (PT) |
|---|---|
| Address | 1 LAKE MORTON DR, LAKELAND, FL 33801-5359 |
| Type | Conventional Mortgage with Private Mortgage Insurance (PMI) |
|---|---|
| Amount | Amount Recorded |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,190.00 (+19.71%) Homeowner's exemption Veteran's exemption | $281,990 (+16.76%) | $326,200 (+3.92%) Land $67,000 Building $259,200 |
| 2023 | $3,500.00 (+3.67%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $241,506 (+3%) | $313,900 (+18.19%) Land $60,000 Building $253,900 |
| 2022 | $3,376.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $234,472 | $265,600 Land $50,000 Building $215,600 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Moderate above 54% of the US · above 25% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 694 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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