3124 Garden Ct, Saint Cloud, FL 34769 Property Records

Osceola County property record for 3124 Garden Ct, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,366 sqft · built 1988
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on Record
Last Sale	$71,000 (May 1995)
Tax Bill	$4,851 (2025)
Deeds & Mortgages	Jan 2021 Mortgage Sep 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`81505`

Property Details

APN / Parcel Number

Primary APN	`81505`
Alternative APN	`032630002700010050`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,366 sqft Heated Area
Gross Area	2,126 sqft
1st Floor Area	1,366 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1988
Exterior Material	Aluminum Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,712 sqft (0.2 acres)
Lot Dimensions	121 ft deep x 73 ft wide
Garage Type	Finished
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	340 sqft
Patio Area	196 sqft
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	81505
Street Address	3124 GARDEN CT
City	SAINT CLOUD
State	FL
Zip	34769-6336
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR2
Legal Description	THE GARDENS PB 4 PG 193 LOT 5
Legal Range	30E
Legal Township	26S
Legal Section	03
Legal Subdivision	GARDENS THE/BURNS ADDN TO ST CLD
Legal Tract	27
Legal Block	1
Legal Lot Number	5
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2004
Census Tract	43203

Owner

Source: Osceola County records, as of December 11, 2025

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
Co-owner	Co-owner on Record
Mailing Address	2290 BLUEBIRD PL, SAINT CLOUD, FL 34771-8426
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA
Sep 8, 2017	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 9, 1995 · Amount on Record
Deed Sale	May 9, 1995 · Amount on Record
Deed Document Number	0001258879
Record Updated	Jun 8, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3124 GARDEN CT, SAINT CLOUD, FL 34769-6336
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3124 GARDEN CT, SAINT CLOUD, FL 34769-6336

Mortgage

Document Number	0058752579
Date	Jan 22, 2021
Book Page	5875/2579
Instrument	2021010271

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	355 Months
Due	Aug 1, 2050

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3124 GARDEN CT, SAINT CLOUD, FL 34769-6336
Document Number	0052120522
Instrument Date	Sep 8, 2017
Transaction Type	Mortgage
Record Updated	Aug 27, 2018
Title Company	AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3124 GARDEN CT ST CLOUD FL 347696336, ST CLOUD, FL 34769-6336

Mortgage

Document Number	0052120522
Date	Sep 25, 2017
Book Page	005212/000522
Instrument	135288

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 24, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 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	$4,851.00 (+18.66%)	$300,700 (+16.87%) Land $60,000 Building $240,700	$300,700 (+16.87%) Land $60,000 Building $240,700
2023	$4,088.00 (+16.8%)	$257,300 (+32.63%) Land $50,000 Building $207,300	$257,300 (+32.63%) Land $50,000 Building $207,300
2022	$3,500.00	$194,000 Land $40,000 Building $154,000	$194,000 Land $40,000 Building $154,000

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 71 policies
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 Event	Hurricane Irma, Sep 2017 · 2 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	Moderate above 45% of the US · lower than 84% of Florida
Wildfire Likelihood	0.08% 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 420 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

May also be available: AT&T, CenturyLink, Verizon.

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