3107 Garden Ct, Saint Cloud, FL 34769 Property Records

Osceola County property record for 3107 Garden Ct, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,276 sqft · built 1988
Lot Size	0.197 acres (8,581 sqft)
Owner	Individual Name on Record
Last Sale	$200,000 (Apr 2021)
Tax Bill	$2,667 (2025)
Deeds & Mortgages	Jun 2023 Line of Credit Apr 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-26-30-0027-0001-0200`

Property Details

APN / Parcel Number

Primary APN	`03-26-30-0027-0001-0200`
Alternative APNs	`263003002700010200` `81520`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,276 sqft Living Area
Gross Area	1,886 sqft
1st Floor Area	1,276 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1998
Architectural Style	Custom Design
Exterior Material	Aluminum Siding
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,581 sqft (0.197 acres)
Lot Dimensions	107 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	520 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	90 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3107 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 20
Legal Range	30E
Legal Township	26S
Legal Section	03
Legal Subdivision	GARDENS THE
Legal Tract	27
Legal Block	200
Legal Lot Number	20
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 November 26, 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	3107 GARDEN CT, SAINT CLOUD, FL 34769-6304
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 27, 2023	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Apr 8, 2021	Warranty Deed, Transfer · Conventional Mortgage BANK OF AMERICA NA
Oct 24, 2017	Warranty Deed, Transfer · FHA Mortgage NEW PENN FINANCIAL LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 8, 2021 · Amount on Record
Deed Sale	Apr 8, 2021 · Amount on Record
Prior Sale	Oct 24, 2017 · Amount on Record
Deed Document Number	202153299
Deed Book / Page	5931 / 1290
Prior Transfer Date	Jan 15, 2016
Prior Transfer Doc	0049051612
Record Updated	Jun 8, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3107 GARDEN CT, SAINT CLOUD, FL 34769-6304
Transaction Type	Mortgage
Record Updated	Jul 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3107 GARDEN CT, SAINT CLOUD, FL 34769-6304

Mortgage

Document Number	0064310768
Date	Jun 27, 2023
Book Page	6431/768
Instrument	2023082728

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 14, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 8, 2021
Property Address	3107 GARDEN CT, SAINT CLOUD, FL 34769-6304
Document Number	0059311290
Book / Page	5931 / 1290
Map Reference	MB 4 PG 193
Instrument Date	Apr 6, 2021
Instrument	2021053299
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,400.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	401 ROBINSON AVE, 401, SAINT CLOUD, FL 34769-1963

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3107 GARDEN CT, SAINT CLOUD, FL 34769-6304

Mortgage

Document Number	0059311291
Date	Apr 8, 2021
Instrument	5931/1291

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 24, 2017
Property Address	3107 GARDEN CT, SAINT CLOUD, FL 34769-6304
Document Number	0052291237
Book / Page	5229 / 1237
Map Reference	MB4 PG193
Instrument Date	Oct 23, 2017
Instrument	2017152848
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,190.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8371 66TH ST, 8371, LIVE OAK, FL 32060-8911

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3107 GARDEN CT, SAINT CLOUD, FL 34769-6304

Mortgage

Document Number	0052291238
Date	Oct 24, 2017
Instrument	5229/1238

Lender

Name	NEW PENN FINANCIAL LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2047

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 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	$2,667.00 (+3.61%) Homeowner's exemption	$191,914 (+5.99%)	$272,100 (+16.88%) Land $60,000 Building $212,100
2024	$2,574.00 (+2.88%)
2023	$2,502.00 (+3.86%) Homeowner's exemption	$181,074 (+3%)	$232,800 (+32.42%) Land $50,000 Building $182,800
2022	$2,409.00 Homeowner's exemption	$175,800 Land $40,000 Building $135,800	$175,800 Land $40,000 Building $135,800

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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