Osceola County property record for 3112 Garden Ct, Saint Cloud, FL 34769 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 1989 |
| Square Footage | 1,264 sqft Heated Area |
| Lot Size | 13,068 sqft (0.3 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $199,900 (2019) |
| Tax Bill | $2,405.00 (2025) |
| Primary APN | 81511 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,264 sqft Heated Area |
| Gross Area | 1,904 sqft Gross Area |
| 1st Floor | 1,264 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Tile Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 1989 |
|---|---|
| Exterior Material | Aluminum Siding Exterior |
| Foundation Type | Footing Foundation |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 13,068 sqft (0.3 acres) |
| Depth X Width | 157 ft x 82.5 ft Depth x Width |
| Parking Spaces | 1 Parking Spaces |
| Garage Type | Finished Garage |
| Garage Area | 320 sqft Garage |
| Fence | Fence |
|---|---|
| Porch | Open Porch |
| Porch Area | 176 sqft Porch |
| Utility Building | 144 sqft Utility Building |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Account Number | 81511 |
|---|---|
| Street Address | 3112 GARDEN CT |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-6336 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | THE GARDENS PB 4 PG 193 LOT 11 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 03 |
| Legal Subdivision | GARDENS THE/BURNS ADDN TO ST CLD |
| Legal Tract | 27 |
| Legal Block | 1 |
| Legal Lot Number | 11 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 2 |
| Census Block | 2004 |
| Census Tract | 43203 |
Source: Osceola County records · APN 81511
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 |
|---|---|
| Mailing Address | 3112 GARDEN CT, SAINT CLOUD, FL 34769-6336 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jun 01, 2020 | Deed of Trust, Mortgage · Conventional Mortgage with Private Mortgage Insurance (PMI) MORTGAGE FIRM |
| Mar 12, 2019 | Warranty Deed, Transfer · Conventional Mortgage with Private Mortgage Insurance (PMI) MORTGAGE FIRM |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Mar 12, 2019 · Amount on Record |
| Deed Sale | Mar 12, 2019 · Amount on Record |
| Prior Sale | Sep 25, 2006 · Amount on Record |
| Deed Doc Number | 2019031682 |
| Deed Book / Page | 5490 / 1089 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3112 GARDEN CT, SAINT CLOUD, FL 34769-6336 |
| Document Number | 0057342490 |
| Instrument Date | Jun 01, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 31, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Address | 3112 GARDEN CT ST CLOUD FL 347696336, ST CLOUD, FL 34769-6336 |
| Document Number | 0057342490 |
|---|---|
| Date | Jun 10, 2020 |
| Book Page | 005734/002490 |
| Instrument | 73963 |
| Name | MORTGAGE FIRM |
|---|---|
| Type | Mortgage Company |
| Address | ALTAMONTE SPRINGS, FL 32714 |
| Type | Conventional Mortgage with Private Mortgage Insurance (PMI) |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jun 09, 2040 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Mar 12, 2019 |
| Property Address | 3112 GARDEN CT, SAINT CLOUD, FL 34769-6336 |
| Document Number | 0054901089 |
| Book / Page | 005490 / 001089 |
| Instrument Date | Mar 11, 2019 |
| Instrument | 31682 |
| Transaction Type | Transfer |
| Record Updated | Mar 25, 2019 |
| Title Company | PEAK TITLE PROFESSIONALS LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,399.30 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3112 GARDEN CT ST CLOUD FL 347696336, ST CLOUD, FL 34769-6336 |
| Document Number | 54901091 |
|---|---|
| Date | Mar 12, 2019 |
| Book Page | 005490/001091 |
| Instrument | 31683 |
| Name | MORTGAGE FIRM |
|---|---|
| Type | Mortgage Company |
| Address | ALTAMONTE SPRINGS, FL 32714 |
| Type | Conventional Mortgage with Private Mortgage Insurance (PMI) |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 11, 2049 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
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 | $2,405.00 (+6.75%) Homeowner's exemption | $177,293 (+5.99%) | $294,500 (+16.96%) Land $61,200 Building $233,300 |
| 2023 | $2,253.00 (+3.97%) Homeowner's exemption | $167,279 (+3%) | $251,800 (+32.6%) Land $51,000 Building $200,800 |
| 2022 | $2,167.00 Homeowner's exemption | $162,407 | $189,900 Land $40,800 Building $149,100 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Low above 5% of the US · above 5% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 4,545 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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