3103 Garden Ct, Saint Cloud, FL 34769 Property Records

Osceola County property record for 3103 Garden Ct, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,255 sqft · built 1988
Lot Size	0.169 acres (7,405 sqft)
Owner	Individual Name on Record
Tax Bill	$935 (2025)
Deeds & Mortgages	Apr 2022 Mortgage Oct 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`81518`

Property Details

APN / Parcel Number

Primary APN	`81518`
Alternative APN	`032630002700010180`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,255 sqft Heated Area
Gross Area	1,983 sqft
1st Floor Area	1,255 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1988
Exterior Material	Brick
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,405 sqft (0.169 acres)
Lot Dimensions	107 ft deep x 70 ft wide
Garage Type	Finished
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Screened Porch
Porch Area	287 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	81518
Street Address	3103 GARDEN CT
City	SAINT CLOUD
State	FL
Zip	34769-6304
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR2
Legal Description	THE GARDENS PB 4 PG 193 LOT 18
Legal Range	30E
Legal Township	26S
Legal Section	03
Legal Subdivision	GARDENS THE/BURNS ADDN TO ST CLD
Legal Tract	27
Legal Block	1
Legal Lot Number	18
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2011
Census Tract	43203

Owner

Source: Osceola County records, as of December 11, 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 Record
Mailing Address	3103 GARDEN CT, SAINT CLOUD, FL 34769-6304
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 25, 2022	Deed of Trust, Mortgage · FHA Mortgage JPMORGAN CHASE BANK NA
Oct 11, 2019	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 28, 2009
Deed Sale	Feb 28, 2009
Deed Book / Page	01683 / 01392
Prior Transfer Date	Dec 14, 1999
Prior Transfer Doc	0168301392
Record Updated	Jun 8, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3103 GARDEN CT, SAINT CLOUD, FL 34769-6304
Transaction Type	Mortgage
Record Updated	May 6, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3103 GARDEN CT, SAINT CLOUD, FL 34769-6304

Mortgage

Document Number	0062001332
Date	Apr 25, 2022
Book Page	6200/1332
Instrument	2022064755

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3103 GARDEN CT, SAINT CLOUD, FL 34769-6304
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0056041242
Date	Oct 11, 2019
Book Page	5604/1242
Instrument	2019131539

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2049

Tax Assessment & Valuation

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	$935.00 (+9.1%) Homeowner's exemption	$95,151 (+5.99%)	$281,900 (+16.92%) Land $60,000 Building $221,900
2023	$857.00 (+5.67%) Homeowner's exemption	$89,777 (+3%)	$241,100 (+32.62%) Land $50,000 Building $191,100
2022	$811.00 Homeowner's exemption	$87,163	$181,800 Land $40,000 Building $141,800

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

Flood

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 Record median of 71 policies
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 Event	Hurricane Irma, Sep 2017 · 2 claims

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

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

Wildfire Risk	Low lower than 94% of the US · lower than 95% of Florida
Wildfire Likelihood	0.02% 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 539 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	8,000 / 8,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

May also be available: AT&T, Verizon.

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