3116 Garden Ct, Saint Cloud, FL 34769 Property Records

Osceola County property record for 3116 Garden Ct, Saint Cloud, FL 34769 · Last verified May 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,700 sqft · built 1989
Lot Size	0.175 acres (7,623 sqft)
Owner	2 Individual Names on File
Last Sale	$94,000 (Sep 1999)
Tax Bill	$1,216 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Oct 2025 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`03-26-30-0027-0001-0090`

Property Details

APN / Parcel Number

Primary APN	`03-26-30-0027-0001-0090`
Alternative APNs	`263003002700010090` `81509`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,700 sqft Living Area
Gross Area	2,274 sqft
1st Floor Area	1,700 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Conventional
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,623 sqft (0.175 acres)
Lot Dimensions	120 ft deep x 63 ft wide
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Florida Room
Porch Area	334 sqft
Shed	1 Shed
Shed Area	64 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	Central

Location & Zoning

Street Address	3116 GARDEN CT
City	SAINT CLOUD
State	FL
Zip	34769-6336
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	THE GARDENS PB 4 PG 193 LOT 9
Legal Range	30E
Legal Township	26S
Legal Section	03
Legal Subdivision	GARDENS THE
Legal Tract	27
Legal Block	90
Legal Lot Number	9
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2004
Census Tract	43203

Owner

Source: Osceola County records · APN 03-26-30-0027-0001-0090

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 Record	2 Individual Names on File
Mailing Address	3116 GARDEN CT, SAINT CLOUD, FL 34769-6336
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 28, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Oct 13, 2025	Deed of Trust, Mortgage · Line of Credit WEST CAPITAL LENDING INC
Sep 15, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK
Jun 28, 2021	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 07, 1999 · Amount on Record
Deed Sale	Sep 07, 1999 · Amount on Record
Deed Book / Page	1653 / 869
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Recording Date	Apr 28, 2026
Property Address	3116 GARDEN CT, SAINT CLOUD, FL 34769-6336
Document Number	0000056123
Book / Page	6962 / 1790
Instrument Date	Apr 22, 2026
Instrument	202656123
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE COMP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3116 GARDEN CT, SAINT CLOUD, FL 34769-6336

Mortgage

Document Number	0000056123,
Date	Apr 28, 2026
Book Page	6962/1790
Instrument	202656123

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 01, 2056

Interest

Rate Type	Fixed Rate
Rate	6.38%
Initial Type	Fixed Rate
Max Rate	-1%

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3116 GARDEN CT, SAINT CLOUD, FL 34769-6336
Transaction Type	Mortgage
Record Updated	Oct 23, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3116 GARDEN CT, SAINT CLOUD, FL 34769-6336

Mortgage

Document Number	0068631855
Date	Oct 13, 2025
Book Page	6863/1855
Instrument	2025126562

Lender

Name	WEST CAPITAL LENDING INC
Type	Mortgage Company
Address	IRVINE, CA 92614

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 27, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3116 GARDEN CT, SAINT CLOUD, FL 34769-6336
Transaction Type	Mortgage
Record Updated	Sep 28, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3116 GARDEN CT, SAINT CLOUD, FL 34769-6336

Mortgage

Document Number	0064742111
Date	Sep 15, 2023
Book Page	6474/2111
Instrument	2023121799

Lender

Name	DISCOVER BANK
Type	Bank
Address	GREENWOOD, DE 19950

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 15, 2053

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3116 GARDEN CT, SAINT CLOUD, FL 34769-6336
Transaction Type	Mortgage
Record Updated	Jul 19, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3116 CARDEN CT, SAINT CLOUD, FL 34769

Mortgage

Document Number	0059901072
Date	Jun 28, 2021
Book Page	5990/1072
Instrument	2021100374

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 01, 2051

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Municipality	St. Cloud City
Unified School District	Osceola 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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,216.00 (+4.2%) Homeowner's exemption	$110,841 (+7.78%)	$335,900 (+17.45%) Land $60,000 Building $275,900
2024	$1,167.00 (+6.77%)
2023	$1,093.00 (+5.5%) Homeowner's exemption	$102,836 (+3.2%)	$286,000 (+34.08%) Land $50,000 Building $236,000
2022	$1,036.00 Homeowner's exemption	$99,650	$213,300 Land $40,000 Building $173,300

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 Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 71 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	71 in force
Nearby Flood Claims	2 (2017)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Sep 2017, Hurricane Irma
Claims By Storm	Hurricane Irma, Sep 2017 · 2 claims

Wildfire

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; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 539 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Lumen Technologies	Fiber	8,000 / 8,000
Spectrum	Cable	1,000 / 1,000
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: Verizon, AT&T, Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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