Osceola County property record for 3102 Garden Ct, Saint Cloud, FL 34769 · Last verified June 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,260 sqft · built 1989 |
| Lot Size | 0.185 acres (8,058 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $300,000 (Oct 2022) |
| Tax Bill | $4,639 (2025) |
| Deeds & Mortgages | Oct 2022 Sale & Mortgage Mar 2022 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-26-30-0027-0001-0160 |
| Primary APN | 03-26-30-0027-0001-0160 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,260 sqft Living Area |
| Gross Area | 1,758 sqft |
| 1st Floor Area | 1,260 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum Siding |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 8,058 sqft (0.185 acres) |
| Lot Dimensions | 107 ft deep x 75 ft wide |
| Garage Type | Attached |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 18 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 3102 GARDEN CT |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-6336 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | THE GARDENS PB 4 PG 193 LOT 16 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 03 |
| Legal Subdivision | GARDENS THE |
| Legal Tract | 27 |
| Legal Block | 160 |
| Legal Lot Number | 16 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 43203 |
Source: Osceola County records · APN 03-26-30-0027-0001-0160
Assessment roll updated November 26, 2025 · Last verified June 2026
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 | 3102 GARDEN CT, SAINT CLOUD, FL 34769-6336 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single Woman |
| Date | Document |
|---|---|
| Oct 18, 2022 | Warranty Deed, Transfer · FHA Mortgage ATLANTIC BAY MORTGAGE GROUP LLC |
| Mar 11, 2022 | Warranty Deed, Transfer A CLEAR CHOICE TITLE AND ESCROW, A CLEAR CHOICE T&E OF OSCEOL |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Oct 18, 2022 · Amount on Record |
| Deed Sale | Oct 18, 2022 · Amount on Record |
| Prior Sale | Mar 11, 2022 · Amount on Record |
| Deed Document Number | 2022154227 |
| Deed Book / Page | 6301 / 1718 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Oct 18, 2022 |
| Property Address | 3102 GARDEN CT, SAINT CLOUD, FL 34769-6336 |
| Document Number | 0063011718 |
| Book / Page | 6301 / 1718 |
| Map Reference | MB 4 PG 193 |
| Instrument Date | Oct 14, 2022 |
| Instrument | 2022154227 |
| Transaction Type | Transfer |
| Record Updated | Nov 01, 2022 |
| Title Company | A CLEAR CHOICE TITLE AND ESCROW, A CLEAR CHOICE T&E OF OSCEOL |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,100.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 53D MICHAEL RD, 53D, HAMMONTON, NJ 08037-1826 |
| Name | Verified Name |
|---|---|
| Address | 3102 GARDEN CT, SAINT CLOUD, FL 34769-6336 |
| Document Number | 0063011719 |
|---|---|
| Date | Oct 18, 2022 |
| Instrument | 6301/1719 |
| Name | ATLANTIC BAY MORTGAGE GROUP LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Mar 11, 2022 |
| Property Address | 3102 GARDEN CT, SAINT CLOUD, FL 34769-6336 |
| Document Number | 0061692533 |
| Book / Page | 6169 / 2533 |
| Map Reference | MB 4 PG 193 |
| Instrument Date | Mar 11, 2022 |
| Instrument | 2022039846 |
| Transaction Type | Transfer |
| Record Updated | Mar 29, 2022 |
| Title Company | A CLEAR CHOICE TITLE AND ESCROW, A CLEAR CHOICE T&E OF OSCEOL |
| Amount | Amount Recorded |
|---|---|
| Tax | $2,233.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1801 FUSSELL RD, 1801, POLK CITY, FL 33868-9630 |
| Name | Verified Name |
|---|---|
| Address | 3102 GARDEN CT, SAINT CLOUD, FL 34769-6336 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified June 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, not market price estimates; both are a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,639.00 (-0.51%) Homeowner's exemption | $302,100 (+16.78%) Land $60,000 Building $242,100 | $302,100 (+16.78%) Land $60,000 Building $242,100 |
| 2023 | $4,663.00 (+404.65%) | $258,700 (+175.38%) Land $50,000 Building $208,700 | $258,700 (+32.6%) Land $50,000 Building $208,700 |
| 2022 | $924.00 Homeowner's exemption Widower's exemption | $93,942 | $195,100 Land $40,000 Building $155,100 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970432032, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Flood Insurance Cost | Premium on Record median of 71 individual NFIP policies nearby |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 71 in force |
| Nearby Flood Claims | 2 (2017) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Sep 2017, Hurricane Irma |
| Claims By Storm |
|
| Wildfire Risk | Low above 5% of the US · above 5% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 4,545 per year |
| Exposure | Direct 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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 539 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Lumen Technologies | Fiber | 8,000 / 8,000 |
| Spectrum | Cable | 1,000 / 1,000 |
| Starlink | Satellite (low-earth orbit) | 280 / 30 |
May also be available at this address: Verizon, AT&T, Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures