Osceola County property record for 3112 Lakes Crest Ave, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,656 sqft · built 2021 |
| Lot Size | 0.13 acres (5,663 sqft) |
| Owner | Individual Name on File |
| Last Sale | $261,950 (Mar 2021) |
| Tax Bill | $6,378 (2025) |
| Deeds & Mortgages | Feb 2024 Mortgage Apr 2023 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 192631016300015110 |
| Primary APN | 192631016300015110 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,656 sqft Heated Area |
| Gross Area | 2,262 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2021 |
|---|---|
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 5,663 sqft (0.13 acres) |
| Garage Type | Finished |
| Porch | Open Porch |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 3112 LAKES CREST AVE |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-9020 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | GRAMERCY FARMS PH 8 PB 27 PGS 196-197 LOT 511 |
| Legal Range | 31E |
| Legal Township | 26S |
| Legal Section | 19 |
| Legal Subdivision | GRAMERCY FARMS PH 4 5 7 8 & 9 |
| Legal Phase | 8 |
| Legal Tract | 163 |
| Legal Lot Number | 511 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 43304 |
Source: Osceola County records · APN 192631016300015110
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 LAKES CREST AVE, SAINT CLOUD, FL 34772-9020 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 08, 2024 | Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC |
| Apr 12, 2023 | Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC |
| Mar 02, 2021 | Special Warranty Deed, Transfer · FHA Mortgage GUARANTEED RATE INC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Mar 02, 2021 · Amount on Record |
| Deed Sale | Mar 02, 2021 · Amount on Record |
| Deed Document Number | 2021030669 |
| Deed Book / Page | 5902 / 1413 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3112 LAKES CREST AVE, SAINT CLOUD, FL 34772-9020 |
| Transaction Type | Mortgage |
| Record Updated | Feb 21, 2024 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 3112 LAKES CREST AVE, SAINT CLOUD, FL 34772-9020 |
| Document Number | 0065462295 |
|---|---|
| Date | Feb 08, 2024 |
| Book Page | 6546/2295 |
| Instrument | 2024016762 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | MOORPARK, CA 93021 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 325 Months |
| Due | Mar 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3112 LAKES CREST AVE, SAINT CLOUD, FL 34772-9020 |
| Transaction Type | Mortgage |
| Record Updated | Apr 27, 2023 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 3112 LAKES CREST AVE, SAINT CLOUD, FL 34772-9020 |
| Document Number | 0063861000 |
|---|---|
| Date | Apr 12, 2023 |
| Book Page | 6386/1000 |
| Instrument | 2023041756 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | MOORPARK, CA 93021 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 335 Months |
| Due | Mar 01, 2051 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Mar 02, 2021 |
| Property Address | 3112 LAKES CREST AVE, SAINT CLOUD, FL 34772-9020 |
| Document Number | 0059021413 |
| Book / Page | 5902 / 1413 |
| Map Reference | MB 27 PG 196&197 |
| Instrument Date | Feb 26, 2021 |
| Instrument | 2021030669 |
| Transaction Type | Transfer |
| Record Updated | Jan 10, 2023 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,834.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 9102 SOUTHPARK CENTER LOOP STE 100, 100, ORLANDO, FL 32819-8626 |
| Name | Verified Name |
|---|---|
| Address | 3112 LAKES CREST AVE, SAINT CLOUD, FL 34772-9020 |
| Document Number | 0059021415 |
|---|---|
| Date | Mar 02, 2021 |
| Instrument | 5902/1415 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 01, 2051 |
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 | $6,378.00 (+7.77%) Homeowner's exemption | $302,063 (+5.99%) | $319,800 (-0.19%) Land $75,600 Building $244,200 |
| 2023 | $5,918.00 (+2.53%) Homeowner's exemption | $285,001 (+3%) | $320,400 (+15.79%) Land $64,800 Building $255,600 |
| 2022 | $5,772.00 Homeowner's exemption | $276,700 Land $59,400 Building $217,300 | $276,700 Land $59,400 Building $217,300 |
Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 59 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 59 in force |
| Nearby Flood Claims | 1 (2017) |
| Most Recent Claim | Sep 2017 · Hurricane Irma |
| Wildfire Risk | Moderate above 65% of the US · above 43% of Florida |
|---|---|
| Wildfire Likelihood | 0.3% annual chance |
| Exposure | Direct 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Lumen Technologies Fiber | 2,000 / 1,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
May also be available: Xfinity.
Based on FCC filings for 381 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | ST. CLOUD, CITY OF (3 WPS) serves 82,752 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jul 2025 |
| Lead | 2 ppb (2023) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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