Osceola County property record for 3102 Drema Dr, Saint Cloud, FL 34769 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 2017 |
| Square Footage | 1,892 sqft Heated Area |
| Lot Size | 7,405 sqft (0.169 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $240,000 (2017) |
| Tax Bill | $3,420.00 (2025) |
| Primary APN | 142630085900010130 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,892 sqft Heated Area |
| Gross Area | 2,583 sqft Gross Area |
| 1st Floor | 1,892 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Tile Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2017 |
|---|---|
| Exterior Material | Concrete Block Exterior |
| Foundation Type | Footing Foundation |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 7,405 sqft (0.169 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Finished Garage |
| Garage Area | 484 sqft Garage |
| Porch | Open Porch |
| Porch Area | 207 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 3102 DREMA DR |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-5527 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LORRAINE ESTATES PH 6 PB 24 PG 155 LOT 13 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 14 |
| Legal Subdivision | LORRAINE EST 5 |
| Legal Phase | 6 |
| Legal Tract | 859 |
| Legal Lot Number | 13 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 2 |
| Census Block | 2019 |
| Census Tract | 43303 |
Source: Osceola County records · APN 142630085900010130
Assessment roll updated July 1, 2025 · Last verified December 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 |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 3102 DREMA DR, SAINT CLOUD, FL 34769-5527 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Mar 30, 2022 | Deed of Trust, Mortgage · Conventional Mortgage US BANK NA |
| Jan 19, 2018 | Deed of Trust, Mortgage · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Jan 19, 2018 | Deed of Trust, Mortgage · Second Mortgage to Cover Down Payment FAIRWAY MORTGAGE INC |
| Feb 21, 2017 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Feb 21, 2017 · Amount on Record |
| Deed Sale | Feb 21, 2017 · Amount on Record |
| Deed Doc Number | 2017028483 |
| Deed Book / Page | 5105 / 2244 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3102 DREMA DR, SAINT CLOUD, FL 34769-5527 |
| Transaction Type | Mortgage |
| Record Updated | Apr 13, 2022 |
| Name | Verified Name |
|---|---|
| Address | 3102 DREMA DR, SAINT CLOUD, FL 34769-5527 |
| Document Number | 0061830602 |
|---|---|
| Date | Mar 30, 2022 |
| Book Page | 6183/602 |
| Instrument | 2022050769 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Apr 01, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3102 DREMA DR, SAINT CLOUD, FL 34769-5527 |
| Transaction Type | Mortgage |
| Record Updated | Feb 07, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0052712269 |
|---|---|
| Date | Jan 19, 2018 |
| Book Page | 5271/2269 |
| Instrument | 2018010218 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | 4201 MARSH LN, CARROLLTON, TX 75007 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 350 Months |
| Due | Mar 01, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3102 DREMA DR, SAINT CLOUD, FL 34769-5527 |
| Transaction Type | Mortgage |
| Record Updated | Feb 07, 2021 |
| Title Company | OSCEOLA TITLE INS |
| Name | Verified Name |
|---|
| Document Number | 0052712286 |
|---|---|
| Date | Jan 19, 2018 |
| Book Page | 5271/2286 |
| Instrument | 2018010219 |
| Name | FAIRWAY MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | TALLAHASSEE, FL 32301 |
| Type | Second Mortgage to Cover Down Payment |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Feb 21, 2017 |
| Property Address | 3102 DREMA DR, SAINT CLOUD, FL 34769-5527 |
| Document Number | 0051052244 |
| Book / Page | 5105 / 2244 |
| Map Reference | MB24 PG155 |
| Instrument Date | Feb 16, 2017 |
| Instrument | 2017028483 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | OSCEOLA TITLE INS AGENCY INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,680.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1136 NEW YORK AVE, 1136, SAINT CLOUD, FL 34769-3782 |
| Name | Verified Name |
|---|---|
| Address | 3102 DREMA DR, SAINT CLOUD, FL 34769-5527 |
| Document Number | 0051052246 |
|---|---|
| Date | Feb 21, 2017 |
| Book Page | 5105/2246 |
| Instrument | 2017028484 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | CARROLLTON, TX 75007 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2047 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| 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 | $3,420.00 (+6.34%) Homeowner's exemption | $233,971 (+5.99%) | $326,500 (+3.98%) Land $67,000 Building $259,500 |
| 2023 | $3,216.00 (+3.64%) Homeowner's exemption | $220,756 (+3%) | $314,000 (+18.27%) Land $60,000 Building $254,000 |
| 2022 | $3,103.00 Homeowner's exemption | $214,327 | $265,500 Land $50,000 Building $215,500 |
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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