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3108 Garden Ct, Saint Cloud, FL 34769 Property Records

Osceola County property record for 3108 Garden Ct, Saint Cloud, FL 34769 · Last verified May 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,320 sqft · built 1988
Lot Size0.172 acres (7,492 sqft)
OwnerIndividual Name on File
Last Sale$106,000 (Jul 2009)
Tax Bill$951 (2025)
Deeds & MortgagesSep 2018 Line of Credit
Feb 2019 Mortgage
+ 2 more
Flood ZoneZone X (minimal risk)
APN03-26-30-0027-0001-0130

Property Details

APN / Parcel Number

Primary APN03-26-30-0027-0001-0130
Alternative APNs
  • 263003002700010130
  • 81513

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,320 sqft Living Area
Gross Area1,920 sqft
1st Floor Area1,320 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1988
Effective Year BuiltEffective 1988
Architectural StyleConventional
Exterior MaterialAluminum Siding
Construction TypeFrame
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area7,492 sqft (0.172 acres)
Lot Dimensions107 ft deep x 67.5 ft wide
Garage TypeAttached
Garage Area440 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

PorchFlorida Room
Porch Area160 sqft
Shed1 Shed
Shed Area80 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address3108 GARDEN CT
CitySAINT CLOUD
StateFL
Zip34769-6336
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionTHE GARDENS PB 4 PG 193 LOT 13
Legal Range30E
Legal Township26S
Legal Section03
Legal SubdivisionGARDENS THE
Legal Tract27
Legal Block130
Legal Lot Number13
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group2
Census Block2004
Census Tract43203

Owner

Source: Osceola County records · APN 03-26-30-0027-0001-0130

Assessment roll updated November 26, 2025 · Last verified May 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Mailing Address3108 GARDEN CT, SAINT CLOUD, FL 34769-6336
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Sep 17, 2018Deed of Trust, Mortgage · Line of Credit
CENTRAL FLORIDA EDUCATORS FCU
Feb 18, 2019Deed of Trust, Mortgage · Conventional Mortgage
ROYAL UNITED MORTGAGE LLC
Oct 04, 2019Deed of Trust, Mortgage · Conventional Mortgage
ADDITION FIN'L CU
Oct 04, 2019Deed of Trust, Mortgage · Line of Credit
ADDITION FIN'L CU

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleJul 07, 2009 · Amount on Record
Deed SaleJul 07, 2009 · Amount on Record
Prior SaleJan 07, 2009
Deed Document Number2009105964
Deed Book / Page3858 / 1383
Record UpdatedJun 08, 2026

September 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address3108 GARDEN CT, SAINT CLOUD, FL 34769-6336
Transaction TypeMortgage
Record UpdatedFeb 05, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0054021454
DateSep 17, 2018
Book Page5402/1454
Instrument2018140250
Lender
NameCENTRAL FLORIDA EDUCATORS FCU
TypeCredit Union
AddressLAKE MARY, FL 32746
Agreement
TypeLine of Credit
AmountAmount Recorded
Term420 Months
DueSep 16, 2053
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

February 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address3108 GARDEN CT, SAINT CLOUD, FL 34769-6336
Transaction TypeMortgage
Record UpdatedFeb 05, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0054782754
DateFeb 18, 2019
Book Page5478/2754
Instrument2019020968
Lender
NameROYAL UNITED MORTGAGE LLC
TypeMortgage Company
AddressINDIANAPOLIS, IN 46250
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueMar 01, 2049

October 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address3108 GARDEN CT, SAINT CLOUD, FL 34769-6336
Document Number0056050581
Instrument DateOct 04, 2019
Transaction TypeMortgage
Record UpdatedOct 29, 2019
Title CompanyMORTGAGE TITLE SERVICES INC, MORTGAGEE TITLE SVCS INC

Transferred To (Grantee/Buyer)

NameVerified Name
Address3108 GARDEN CT ST CLOUD FL 347696336, ST CLOUD, FL 34769-6336

Mortgage

Document Number0056050581
DateOct 14, 2019
Book Page005605/000581
Instrument132159
Lender
NameADDITION FIN'L CU
AddressLAKE MARY, FL 32746
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueOct 13, 2049

October 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address3108 GARDEN CT, SAINT CLOUD, FL 34769-6336
Document Number0056050599
Instrument DateOct 04, 2019
Transaction TypeMortgage
Record UpdatedOct 29, 2019
Title CompanyMORTGAGE TITLE SERVICES INC, MORTGAGEE TITLE SVCS INC

Transferred To (Grantee/Buyer)

NameVerified Name
Address3108 GARDEN CT ST CLOUD FL 347696336, ST CLOUD, FL 34769-6336

Mortgage

Document Number0056050599
DateOct 14, 2019
Book Page005605/000599
Instrument132161
Lender
NameADDITION FIN'L CU
AddressLAKE MARY, FL 32746
Agreement
TypeLine of Credit
AmountAmount Recorded
Term420 Months
DueOct 13, 2054
Interest
Rate TypeAdjustable Rate

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified May 2026

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola 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.

YearTax BillAssessed ValueAssessed Market Value
2025$951.00 (+4.39%) Homeowner's exemption$96,060 (+5.99%)$285,100 (+16.84%) Land $60,000 Building $225,100
2024$911.00 (+4.35%)
2023$873.00 (+5.69%) Homeowner's exemption$90,634 (+3%)$244,000 (+32.46%) Land $50,000 Building $194,000
2022$826.00 Homeowner's exemption$87,995$184,200 Land $40,000 Building $144,200

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 120970432032, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 71 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies71 in force
61 of 71 on primary residences
Nearby Flood Claims2 (2017)
Claims Outside the SFHA1 of 2
Most Recent ClaimSep 2017, Hurricane Irma
Flood Events
  • Hurricane Irma (Sep 2017), 2 claims

Wildfire

Wildfire RiskLow
above 5% of the US · above 5% of Florida
Wildfire LikelihoodAbout 1 in 4,545 per year
ExposureDirect
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.

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