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3105 Clint McGarity Rd, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3105 Clint McGarity Rd, Saint Cloud, FL 34772

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,600 sqft · built 1989
Lot Size4.21 acres (183,388 sqft)
Owner2 Individual Names on Record
Last Sale$293,800 (Mar 2018)
Tax Bill$4,419 (2025)
Deeds & MortgagesApr 2020 Mortgage
Mar 2018 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN58748

Property Details

APN / Parcel Number

Primary APN58748
Alternative APN
  • 242629367000250160

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,600 sqft Heated Area
Gross Area1,976 sqft
1st Floor Area1,336 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1989
Exterior MaterialConcrete Block
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area183,388 sqft (4.21 acres)
Garage Area264 sqft

Exterior Amenities

PorchEnclosed Porch
Porch Area640 sqft
Shed1 Shed
Shed Area120 sqft
Pole Barn600 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Account Number58748
Street Address3105 CLINT MCGARITY RD
CitySAINT CLOUD
StateFL
Zip34772-7632
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeE-2
Legal DescriptionKISSIMMEE PARK PB 1 PG 041 BLK 25 N 464 FT OF W 499 FT LOT 16 & E 1/2 OF VAC SEMINOLE RD ABUTTING SAME
Legal Range29E
Legal Township26S
Legal Section24
Legal SubdivisionKISSIMMEE PARK
Legal Tract3670
Legal Block25
Legal Lot Number16
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1004
Census Tract43209

Owner

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

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

Owner of Record2 Individual Names on Record
Co-owner2 Co-owners on Record
Mailing Address3105 CLINT MCGARITY RD, SAINT CLOUD, FL 34772-7632
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Apr 14, 2020Deed of Trust, Mortgage · Conventional Mortgage
CENTERSTATE BANK NA
Mar 7, 2018Warranty Deed, Transfer · Conventional Mortgage
FIDELITY BANK

Assessor's Deed Record

Deed Names4 Names on Deed
Last SaleMar 7, 2018 · Amount on Record
Deed SaleMar 7, 2018 · Amount on Record
Prior SaleOct 2, 2015 · Amount on Record
Deed Document Number2018038710
Deed Book / Page5297 / 1918
Record UpdatedJun 8, 2026

April 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address3105 CLINT MCGARITY RD, SAINT CLOUD, FL 34772-7632
Transaction TypeMortgage
Record UpdatedFeb 5, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0057080071
DateApr 14, 2020
Book Page5708/71
Instrument2020050857
Lender
NameCENTERSTATE BANK NA
TypeBank
AddressWINTER HAVEN, FL 33881
Agreement
TypeConventional Mortgage
AmountAmount Recorded

March 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateMar 7, 2018
Property Address3105 CLINT MCGARITY RD, SAINT CLOUD, FL 34772-7632
Document Number0052971918
Book / Page5297 / 1918
Map ReferenceMB1 PG41
Instrument DateMar 5, 2018
Instrument2018038710
Transaction TypeTransfer
Record UpdatedFeb 8, 2022
Title CompanySTEWART TITLE CO

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$2,056.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address3105 CLINT MCGARITY RD, 3105, SAINT CLOUD, FL 34772-7632

Transferred To (Grantee/Buyer)

NameVerified Name
Address3105 CLINT MCGARITY RD, SAINT CLOUD, FL 34772-7632

Mortgage

Document Number2018038711
DateMar 7, 2018
Instrument2018038711
Lender
NameFIDELITY BANK
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueApr 1, 2048

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$4,419.00 (+7.15%) Homeowner's exemption$308,389 (+5.99%)$375,500 (+1.16%) Land $167,700 Building $207,800
2023$4,124.00 (+4.06%) Homeowner's exemption$290,969 (+3%)$371,200 (+12.31%) Land $167,700 Building $203,500
2022$3,963.00 Homeowner's exemption$282,495$330,500 Land $156,500 Building $174,000

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 136 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies136 in force
Nearby Flood Claims4 (2011–2022)
Claims Outside the SFHA1 of 4
Most Recent ClaimOct 2022 · Hurricane Ian
Claims by Event
  • Hurricane Ian, Oct 2022 · 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 RiskHigh
above 77% of the US · above 65% of Florida
Wildfire Likelihood0.6% annual chance
ExposureDirect
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 SystemTOHO WATER AUTHORITY-POINCIANA SYSTEM
public/private · serves 69,447 people · EPA ID FL3494429
Water SourceGroundwater
Last State InspectionMar 2024
LeadUnder 1 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 33 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		1,200 / 35
Starlink
Satellite		280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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