3125 Vest Rd, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3125 Vest Rd, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 3,053 sqft · built 1990
Lot Size	0.715 acres (31,145 sqft)
Owner	2 Company Names on File
Tax Bill	$4,845 (2025)
Deeds & Mortgages	Nov 2020 Sale
Flood Zone	Zone AE (high risk)
APN	`20-26-31-5440-0001-0090`

Property Details

APN / Parcel Number

Primary APN	`20-26-31-5440-0001-0090`
Alternative APNs	`263120544000010090` `98000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	3,053 sqft Living Area
Gross Area	4,861 sqft
1st Floor Area	3,053 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Exterior Material	Brick
Construction Type	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	31,145 sqft (0.715 acres)
Lot Dimensions	168 ft deep x 180 ft wide
Garage Type	Attached
Garage Area	728 sqft
Parking Spaces	5 Parking Spaces

Exterior Amenities

Porch	Open/Unfinished Porch
Porch Area	744 sqft
Deck Area	992 sqft
Utility Building	572 sqft
Boat Access	Boat Access
Boat House	288 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3125 VEST RD
City	SAINT CLOUD
State	FL
Zip	34772-7547
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OAE1
Legal Description	WENGERS SUB PB 1 PG 313 LOTS 9 & 10 LESS N 10 FT LOT 9 & E 1/2 OF VAC VEST RD ABUTTING LOTS 9 & 10
Legal Range	31E
Legal Township	26S
Legal Section	20
Legal Subdivision	WENGERS
Legal Tract	5440
Legal Block	90
Legal Lot Number	9
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1038
Census Tract	43301

Owner

Source: Osceola County assessment roll, as of November 26, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on File
Mailing Address	3125 VEST RD, SAINT CLOUD, FL 34772-7547
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Transfer Date	Oct 24, 2020
Transfer Doc	0058250992
Record Updated	Jun 8, 2026

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Nov 3, 2020
Property Address	3125 VEST RD, SAINT CLOUD, FL 34772-7547
Document Number	0058250992
Book / Page	005825 / 000992
Instrument Date	Oct 24, 2020
Instrument	149259
Transaction Type	Transfer
Record Updated	Nov 19, 2020
Title Company	LAND TITLE CORPORATION, LAND TITLE PROFESSIONALS INC

Transaction

Amount	Amount Recorded
Tax	$3,500.00
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	3125 VEST RD ST CLOUD FL 347727547, ST CLOUD, FL 34772-7547

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	$4,845.00 (+4.8%) Homeowner's exemption	$339,132 (+5.99%)	$474,700 (+1.67%) Land $134,200 Building $340,500
2024	$4,623.00 (+2.08%)
2023	$4,529.00 (+3.95%) Homeowner's exemption	$319,976 (+3%)	$466,900 (+11.7%) Land $134,200 Building $332,700
2022	$4,357.00 Homeowner's exemption	$310,657	$418,000 Land $134,200 Building $283,800

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	66.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 173 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	173 in force
Nearby Flood Claims	14 (1987–2022)
Claims Outside the SFHA	2 of 14
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Irma, Sep 2017 · 8 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 55% of the US · lower than 73% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation at the parcel

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TOHO WATER AUTHORITY-POINCIANA SYSTEM public/private · serves 69,447 people · EPA ID FL3494429
Water Source	Groundwater
Last State Inspection	Mar 2024
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 67 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Fiber · Cable in parts of the area	1,000 / 1,000

May also be available: Verizon, Xfinity.

Cell Coverage

5G (outdoors only) and 4G LTE

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