3104 Lakes Crest Ave, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3104 Lakes Crest Ave, Saint Cloud, FL 34772 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,656 sqft · built 2021
Lot Size	0.11 acres (4,792 sqft)
Owner	Individual Name on File
Last Sale	$257,450 (Jan 2021)
Tax Bill	$6,762 (2025)
Deeds & Mortgages	Jan 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`192631016300015090`

Property Details

APN / Parcel Number

Primary APN	`192631016300015090`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,656 sqft Heated Area
Gross Area	2,262 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	4,792 sqft (0.11 acres)
Garage Type	Finished
Porch	Open Porch
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3104 LAKES CREST AVE
City	SAINT CLOUD
State	FL
Zip	34772-9020
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GRAMERCY FARMS PH 8 PB 27 PGS 196-197 LOT 509
Legal Range	31E
Legal Township	26S
Legal Section	19
Legal Subdivision	GRAMERCY FARMS PH 4 5 7 8 & 9
Legal Phase	8
Legal Tract	163
Legal Lot Number	509
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1003
Census Tract	43304

Owner

Source: Osceola County records · APN 192631016300015090

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	3104 LAKES CREST AVE, SAINT CLOUD, FL 34772-9020
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jan 20, 2021 · Amount on Record
Deed Sale	Jan 20, 2021 · Amount on Record
Deed Document Number	2021008847
Deed Book / Page	5874 / 207
Record Updated	Jun 08, 2026

January 2021: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 20, 2021
Property Address	3104 LAKES CREST AVE, SAINT CLOUD, FL 34772-9020
Document Number	0058740207
Book / Page	5874 / 207
Map Reference	MB 27 PG 196&197
Instrument Date	Jan 19, 2021
Instrument	2021008847
Transaction Type	Transfer
Record Updated	Jan 10, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,802.50
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	3104 LAKES CREST AVE, SAINT CLOUD, FL 34772-9020

Mortgage

Document Number	0005874209
Date	Jan 20, 2021
Instrument	5874/209

Lender

Name	KBHS HOME LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 01, 2051

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 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

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	$6,762.00 (+2.07%) Homeowner's exemption	$323,500 (-0.25%) Land $75,600 Building $247,900	$323,500 (-0.25%) Land $75,600 Building $247,900
2023	$6,625.00 (+1.38%) Homeowner's exemption	$324,300 (+17.2%) Land $64,800 Building $259,500	$324,300 (+17.2%) Land $64,800 Building $259,500
2022	$6,535.00	$276,700 Land $59,400 Building $217,300	$276,700 Land $59,400 Building $217,300

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970433041, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

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 59 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	59 in force 54 of 59 on primary residences
Nearby Flood Claims	1 (2017)
Most Recent Claim	Sep 2017, Hurricane Irma

Wildfire

Wildfire Risk	Moderate above 66% of the US · above 43% of Florida
Wildfire Likelihood	About 1 in 366 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.