3102 Sweet Acres Pl, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3102 Sweet Acres Pl, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,696 sqft · built 2021
Lot Size	0.139 acres (6,098 sqft)
Owner	Individual Name on File
Last Sale	$281,287 (Feb 2021)
Tax Bill	$6,673 (2025)
Deeds & Mortgages	Aug 2023 Mortgage Feb 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`192631015600016080`

Property Details

APN / Parcel Number

Primary APN	`192631015600016080`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,696 sqft Heated Area
Gross Area	2,302 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2021
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,098 sqft (0.139 acres)
Garage Type	Finished
Porch	Open Porch
Patio Area	180 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3102 SWEET ACRES PL
City	SAINT CLOUD
State	FL
Zip	34772-9024
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GRAMERCY FARMS PH 9A PB 28 PGS 173-175 LOT 608
Legal Range	31E
Legal Township	26S
Legal Section	19
Legal Subdivision	GRAMERCY FARMS PH 4 5 7 8 & 9
Legal Phase	9A
Legal Tract	156
Legal Lot Number	608
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1003
Census Tract	43304

Owner

3102 Sweet Acres Pl is owned and occupied by an individual who bought it in February 2021.

Source: Osceola County records, as of December 11, 2025

Owner of Record	Individual Name on File
Mailing Address	3102 SWEET ACRES PL, SAINT CLOUD, FL 34772-9024
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 29, 2023	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Feb 25, 2021	Special Warranty Deed, Transfer · FHA Mortgage KBHS HOME LOANS LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 25, 2021 · Amount on File
Deed Sale	Feb 25, 2021 · Amount on File
Deed Document Number	2021028018
Deed Book / Page	5899 / 426
Record Updated	Jun 8, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3102 SWEET ACRES PL, SAINT CLOUD, FL 34772-9024
Transaction Type	Mortgage
Record Updated	Sep 13, 2023
Title Company	MORTGAGE CONNECT LP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3102 SWEET ACRES PL, SAINT CLOUD, FL 34772-9024

Mortgage

Document Number	0064650714
Date	Aug 29, 2023
Book Page	6465/714
Instrument	2023113271

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	331 Months
Due	Mar 1, 2051

February 2021: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 25, 2021
Property Address	3102 SWEET ACRES PL, SAINT CLOUD, FL 34772-9024
Document Number	0058990426
Book / Page	5899 / 426
Map Reference	MB 28 PG 173-175
Instrument Date	Feb 24, 2021
Instrument	2021028018
Transaction Type	Transfer
Record Updated	Jan 10, 2023
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,969.10
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9102 SOUTHPARK CENTER LOOP STE 100, 100, ORLANDO, FL 32819-8626

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3102 SWEET ACRES PL, SAINT CLOUD, FL 34772-9024

Mortgage

Document Number	0005899428
Date	Feb 25, 2021
Instrument	5899/428

Lender

Name	KBHS HOME LOANS LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 3102 Sweet Acres Pl was $6,673 with a homeowner's exemption.

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	$6,673.00 Homeowner's exemption	$308,807	$326,300 Land $75,600 Building $250,700
2023	$6,187.00 (+3.74%) Homeowner's exemption	$291,364 (+4.51%)	$327,100 (+17.32%) Land $64,800 Building $262,300
2022	$5,964.00 Homeowner's exemption	$278,800 Land $59,400 Building $219,400	$278,800 Land $59,400 Building $219,400

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 3102 Sweet Acres Pl in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2017.

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 File median of 59 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	59 in force
Nearby Flood Claims	1 (2017)
Most Recent Claim	Sep 2017 · Hurricane Irma

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

Wildfire risk around 3102 Sweet Acres Pl is moderate, ranking above 62% of the US, with a 0.2% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 62% of the US · lower than 62% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

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 76 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	2,000 / 1,000
Xfinity Cable	1,200 / 35

May also be available: Spectrum.

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