3116 Lakes Crest Ave, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3116 Lakes Crest Ave, Saint Cloud, FL 34772 · Last verified December 2025

Property Summary

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	$271,300 (Mar 2021)
Tax Bill	$6,447 (2025)
Deeds & Mortgages	Mar 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`192631016300015120`

Property Details

APN / Parcel Number

Primary APN	`192631016300015120`

Interior

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

Exterior

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
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3116 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 512
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	512
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1003
Census Tract	43304

Owner

Source: Osceola County records · APN 192631016300015120

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
Co-owner	Verified Secondary Owner
Mailing Address	3116 LAKES CREST AVE, SAINT CLOUD, FL 34772-9020
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 05, 2021 · Amount on Record
Deed Sale	Mar 05, 2021 · Amount on Record
Deed Document Number	0059051593
Deed Book / Page	5905 / 1593
Record Updated	Jun 08, 2026

March 2021: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 05, 2021
Property Address	3116 LAKES CREST AVE, SAINT CLOUD, FL 34772-9020
Document Number	0059051593
Book / Page	5905 / 1593
Map Reference	MB 27 PG 196&197
Instrument Date	Mar 05, 2021
Instrument	2021032962
Transaction Type	Transfer
Record Updated	Jan 10, 2023
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,899.10
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9102 SOUTHPARK CENTER LOOP STE 100, 100, ORLANDO, FL 32819-8626

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3116 LAKES CREST AVE, SAINT CLOUD, FL 34772-9020

Mortgage

Document Number	0059051595
Date	Mar 05, 2021
Instrument	5905/1595

Lender

Name	KBHS HOME LOANS LLC
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

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	$6,447.00 (+7.77%) Homeowner's exemption	$305,884 (+5.99%)	$322,900 (-0.28%) Land $75,600 Building $247,300
2023	$5,982.00 (+2.52%) Homeowner's exemption	$288,606 (+3%)	$323,800 (+15.56%) Land $64,800 Building $259,000
2022	$5,835.00 Homeowner's exemption	$280,200 Land $59,400 Building $220,800	$280,200 Land $59,400 Building $220,800

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 120970433041, 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 59 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	59 in force 54 of 59 on primary residences
Nearby Flood Claims	1 (2017)
Most Recent Claim	Sep 2017, Hurricane Irma

Wildfire

Wildfire Risk	Moderate above 63% of the US · above 38% of Florida
Wildfire Likelihood	About 1 in 403 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.