3108 Armstrong Spring Dr, Kissimmee, FL 34744 Property Records

Osceola County property record for 3108 Armstrong Spring Dr, Kissimmee, FL 34744

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,878 sqft · built 2019
Lot Size	0.11 acres (4,792 sqft)
Owner	Individual Name on Record
Tax Bill	$5,153 (2025)
Deeds & Mortgages	Aug 2022 Line of Credit Nov 2021 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`012530341100010050`

Property Details

APN / Parcel Number

Primary APN	`012530341100010050`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,878 sqft Heated Area
Gross Area	2,509 sqft
1st Floor Area	760 sqft
Upper Floors Area	1,118 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Exterior Material	Concrete Block
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	4,792 sqft (0.11 acres)
Garage Type	Finished
Garage Area	455 sqft
Porch	Open Porch
Porch Area	176 sqft
Patio Area	760 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3108 ARMSTRONG SPRING DR
City	KISSIMMEE
State	FL
Zip	34744-9286
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CREEKSIDE AT BOGGY CREEK PH 1 PB 26 PGS 108-112 LOT 5
Legal Range	30E
Legal Township	25S
Legal Section	01
Legal Subdivision	CREEKSIDE AT BOGGY CREEK PHS 1
Legal Phase	1
Legal Tract	3411
Legal Lot Number	5
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3021
Census Tract	42800

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 Record	Individual Name on Record
Mailing Address	3108 ARMSTRONG SPRING DR, KISSIMMEE, FL 34744-9286
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 22, 2022	Deed of Trust, Mortgage · Line of Credit REGIONS BANK
Nov 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Jan 28, 2022	Deed of Trust, Mortgage · Line of Credit REGIONS BANK
Nov 19, 2020	Warranty Deed, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Jul 2, 2019	Special Warranty Deed, Transfer · Conventional Mortgage NVR MORTGAGE FINANCE INC
Nov 15, 2018	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 16, 2024
Deed Sale	Mar 16, 2024
Prior Sale	Jul 2, 2019 · Amount on Record
Deed Document Number	2020158808
Deed Book / Page	5836 / 1566
Prior Transfer Date	Nov 19, 2020
Prior Transfer Doc	2020158808
Record Updated	Jun 8, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3108 ARMSTRONG SPRING DR, KISSIMMEE, FL 34744-9286
Transaction Type	Mortgage
Record Updated	Sep 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3108 ARMSTRONG SPRING DR, KISSIMMEE, FL 34744-9286

Mortgage

Document Number	0062721419
Date	Aug 22, 2022
Book Page	6272/1419
Instrument	2022127970

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35244

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 27, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3108 ARMSTRONG SPRING DR, KISSIMMEE, FL 34744-9286
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3108 ARMSTRONG SPRING DR, KISSIMMEE, FL 34744-9286

Mortgage

Document Number	0060862005
Date	Nov 15, 2021
Book Page	6086/2005
Instrument	2021177191

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

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

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3108 ARMSTRONG SPRING DR, KISSIMMEE, FL 34744-9286
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3108 ARMSTRONG SPRING DR, KISSIMMEE, FL 34744-9286

Mortgage

Document Number	0061380830
Date	Jan 28, 2022
Book Page	6138/830
Instrument	2022014819

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35244

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Feb 9, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Nov 19, 2020
Property Address	3108 ARMSTRONG SPRING DR, KISSIMMEE, FL 34744-9286
Document Number	0058361566
Book / Page	5836 / 1566
Map Reference	MB 6 PG 108-112
Instrument Date	Nov 18, 2020
Instrument	2020158808
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	$2,345.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4400 SILVER CREEK ST, 4400, KISSIMMEE, FL 34744-9284

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3108 ARMSTRONG SPRING DR, KISSIMMEE, FL 34744-9286

Mortgage

Document Number	0058361567
Date	Nov 19, 2020
Instrument	5836/1567

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

July 2019: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 2, 2019
Property Address	3108 ARMSTRONG SPRING DR, KISSIMMEE, FL 34744-9286
Document Number	0055501720
Book / Page	5550 / 1720
Map Reference	MB 26 PG 108-112
Instrument Date	Jun 27, 2019
Instrument	2019085091
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	NVR SETTLEMENT SERVICES INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,100.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4307 VINELAND RD # RDH16, 4307, ORLANDO, FL 32811-7178

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	3108 ARMSTRONG SPRING DR, KISSIMMEE, FL 34744-9286

Mortgage

Document Number	0055501722
Date	Jul 2, 2019
Instrument	5550/1722

Lender

Name	NVR MORTGAGE FINANCE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2049

November 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Nov 15, 2018
Property Address	3108 ARMSTRONG SPRING DR, KISSIMMEE, FL 34744-9286
Document Number	0054332652
Book / Page	005433 / 002652
Instrument Date	Nov 14, 2018
Instrument	168891
Transaction Type	Transfer
Record Updated	Dec 6, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$2,485.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	4307 VINELAND RD #H20 ORLANDO FL 328117374, H20, ORLANDO, FL 32811-7374
Investor	Possibly a Property Investor

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,153.00 (+1.26%) Homeowner's exemption	$361,384 (+6.51%)	$361,900 (+6.66%) Land $75,000 Building $286,900
2023	$5,089.00 (+13.57%)	$339,300 (+21.44%) Land $70,000 Building $269,300	$339,300 (+21.44%) Land $70,000 Building $269,300
2022	$4,481.00	$279,400 Land $60,000 Building $219,400	$279,400 Land $60,000 Building $219,400

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 167 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	167 in force
Nearby Flood Claims	15 (2017–2025)
Claims Outside the SFHA	1 of 15
Most Recent Claim	Jul 2025 · rainfall accumulation
Claims by Event	Hurricane Ian, Sep 2022 · 6 claims Hurricane Ian, Sep 2022 · 5 claims 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	Moderate above 63% of the US · lower than 61% of Florida
Wildfire Likelihood	0.3% 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	TOHO WATER AUTHORITY EASTERN private · serves 110,102 people · EPA ID FL3490751
Water Source	Groundwater
Last State Inspection	Jun 2025
Lead	Under 1 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	2 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 304 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: Xfinity.

Cell Coverage

5G (outdoors only) and 4G LTE

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