3116 Coral Bean Rd, Saint Cloud, FL 34771 Property Records

Osceola County property record for 3116 Coral Bean Rd, Saint Cloud, FL 34771

Property Summary

Property Type	Vacant Land
Lot Size	0.17 acres (7,405 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,019,800 (May 2025)
Tax Bill	$162 (2024)
Deeds & Mortgages	Apr 2026 Mortgage May 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`04-25-31-3523-0001-3850`

Property Details

APN / Parcel Number

Primary APN	`04-25-31-3523-0001-3850`
Alternative APN	`253104352300013850`

Exterior

Lot Area	7,405 sqft (0.17 acres)

Location & Zoning

Street Address	3116 CORAL BEAN RD
City	SAINT CLOUD
State	FL
Zip	34771-8472
Property Category	Vacant Land
Property Type	Vacant Land > Uncategorized
Legal Description	BRIDGEWALK PH 2C PB 35 PGS 66-72 LOT 385
Legal Subdivision	BRIDGEWALK PHASE 2C
Legal Lot Number	385
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1003
Census Tract	43700

Owner

Source: Osceola County records, as of April 24, 2026

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	2 Individual Names on Record
Mailing Address	3116 CORAL BEAN RD, SAINT CLOUD, FL 34771-8472
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Apr 16, 2026	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORPORATION
May 30, 2025	Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage PULTE MORTGAGE LLC
Jan 9, 2025	Special Warranty Deed, Construction Loan ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 30, 2025 · Amount on Record
Deed Sale	May 30, 2025 · Amount on Record
Prior Sale	Jan 9, 2025 · Amount on Record
Deed Document Number	202568018
Deed Book / Page	6795 / 2945
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Recording Date	Apr 16, 2026
Property Address	3116 CORAL BEAN RD, SAINT CLOUD, FL 34771-8472
Document Number	0000050518
Book / Page	6956 / 1651
Instrument Date	Apr 9, 2026
Instrument	202650518
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	CLOSING DEPARTMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	3116 CORAL BEAN RD, SAINT CLOUD, FL 34771-8472

Mortgage

Document Number	0000050518,
Date	Apr 16, 2026
Book Page	6956/1651
Instrument	202650518

Lender

Name	FREEDOM MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.11%
Initial Type	Fixed Rate
Max Rate	-1%

May 2025: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 30, 2025
Property Address	3116 CORAL BEAN RD, SAINT CLOUD, FL 34771-8472
Document Number	0067952945
Book / Page	6795 / 2945
Map Reference	MB 35 PG 66
Instrument Date	May 27, 2025
Instrument	2025068018
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 12, 2025
Title Company	PGP TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$7,138.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4901 VINELAND ROAD STE 500, 500, ORLANDO, FL 32811-7383

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3116 CORAL BEAN RD, SAINT CLOUD, FL 34771-8472

Mortgage

Document Number	0067952947
Date	May 30, 2025
Instrument	6795/2947

Lender

Name	PULTE MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2055

January 2025: Special Warranty Deed, Construction Loan

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 9, 2025
Property Address	3116 CORAL BEAN RD, SAINT CLOUD, FL 34771-8472
Document Number	0067222122
Book / Page	6722 / 2122
Map Reference	MB 35 PG 66-72
Instrument Date	Dec 30, 2024
Instrument	2025002833
Transaction Type	Construction Loan
Record Updated	Dec 12, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$52,731.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6675 WESTWOOD BLVD, ORLANDO, FL 32821-8061

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4901 VINELAND RD, ORLANDO, FL 32811-7300
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 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		$90,000 Land $90,000	$90,000 Land $90,000
2024	$162.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 330 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	330 in force
Nearby Flood Claims	18 (2004–2022)
Claims Outside the SFHA	1 of 18
Most Recent Claim	Oct 2022 · Hurricane Ian
Claims by Event	Hurricane Ian, Oct 2022 · 2 claims Hurricane Ian, Sep 2022 · 5 claims Hurricane Frances, Sep 2004 · 6 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	High above 78% of the US · above 66% of Florida
Wildfire Likelihood	0.3% annual chance
Exposure	None beyond ember reach

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 9 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
CenturyLink DSL	10 / 1

May also be available: AT&T, Spectrum, Verizon, Xfinity.

Cell Coverage

5G (outdoors only) and 4G LTE

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