3120 Lakes Crest Ave, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3120 Lakes Crest Ave, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,348 sqft · built 2021
Lot Size	0.11 acres (4,791 sqft)
Owner	2 Individual Names on Record
Last Sale	$257,030 (Mar 2021)
Tax Bill	$5,923 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Jul 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`19-26-31-0163-0001-5130`

Property Details

APN / Parcel Number

Primary APN	`19-26-31-0163-0001-5130`
Alternative APN	`263119016300015130`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,348 sqft Living Area
Gross Area	1,821 sqft
1st Floor Area	1,348 sqft
Flooring	Carpet

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Architectural Style	Conventional
Exterior Material	Concrete Block/Stucco
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	4,791 sqft (0.11 acres)
Garage Type	Attached
Garage Area	441 sqft
Porch	Finished/Open Porch

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3120 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 513
Legal Range	31E
Legal Township	26S
Legal Section	19
Legal Subdivision	GRAMERCY FARMS PH 8
Legal Phase	8
Legal Lot Number	513
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1003
Census Tract	43304

Owner

Source: Osceola County records, as of October 12, 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 Record
Mailing Address	3120 LAKES CREST AVE, SAINT CLOUD, FL 34772-9020
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 28, 2026	Deed of Trust, Mortgage · FHA Mortgage MORTGAGE CONNECT
Jul 22, 2022	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Mar 1, 2021	Special Warranty Deed, Transfer · FHA Mortgage KBHS HOME LOANS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 1, 2021 · Amount on Record
Deed Sale	Mar 1, 2021 · Amount on Record
Deed Document Number	202129665
Deed Book / Page	5901 / 282
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Recording Date	Apr 28, 2026
Property Address	3120 LAKES CREST AVE, SAINT CLOUD, FL 34772-9020
Document Number	0000055588
Book / Page	6962 / 372
Instrument Date	Mar 16, 2026
Instrument	202655588
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	MORTGAGE CONNECT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3120 LAKES CREST AVE, SAINT CLOUD, FL 34772-9020

Mortgage

Document Number	0000055588,
Date	Apr 28, 2026
Book Page	6962/372
Instrument	202655588

Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months

Interest

Rate	6.09%
Max Rate	-1%

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3120 LAKES CREST AVE, SAINT CLOUD, FL 34772-9020
Transaction Type	Mortgage
Record Updated	Jan 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3120 LAKES CREST AVE, SAINT CLOUD, FL 34772-9020

Mortgage

Document Number	0062560808
Date	Jul 22, 2022
Book Page	6256/808
Instrument	2022113155

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	344 Months
Due	Mar 1, 2051

March 2021: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 1, 2021
Property Address	3120 LAKES CREST AVE, SAINT CLOUD, FL 34772-9020
Document Number	0059010282
Book / Page	5901 / 282
Map Reference	MB 27 PG 196&197
Instrument Date	Feb 26, 2021
Instrument	2021029665
Transaction Type	Transfer
Record Updated	Jan 10, 2023
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,799.70
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
Address	3120 LAKES CREST AVE, SAINT CLOUD, FL 34772-9020

Mortgage

Document Number	0005901284
Date	Mar 1, 2021
Instrument	5901/284

Lender

Name	KBHS HOME LOANS LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2051

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,923.00 (+5.28%) Homeowner's exemption	$276,628 (+5.99%)	$293,000 (+0.21%) Land $75,600 Building $217,400
2024	$5,626.00 (+2.57%)
2023	$5,485.00 (+2.49%) Homeowner's exemption	$261,002 (+3%)	$292,400 (+15.39%) Land $64,800 Building $227,600
2022	$5,352.00 Homeowner's exemption	$253,400 Land $59,400 Building $194,000	$253,400 Land $59,400 Building $194,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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
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

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	Moderate above 62% of the US · lower than 62% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

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	ST. CLOUD, CITY OF (3 WPS) serves 82,752 people · EPA ID FL3491373
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	2 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	1 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 76 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	2,000 / 1,000
Xfinity Cable	1,200 / 35

May also be available: Spectrum.

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