3127 Garden Ct, Saint Cloud, FL 34769 Property Records

Osceola County property record for 3127 Garden Ct, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,444 sqft · built 1989
Lot Size	0.173 acres (7,535 sqft)
Owner	Individual Name on Record
Last Sale	$80,000 (Nov 2017)
Tax Bill	$1,557 (2025)
Deeds & Mortgages	Nov 2017 Sale & Mortgage Sep 2017 Transfer
Flood Zone	Zone X (minimal risk)
APN	`03-26-30-0027-0001-0220`

Property Details

APN / Parcel Number

Primary APN	`03-26-30-0027-0001-0220`
Alternative APNs	`263003002700010220` `81522`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,444 sqft Living Area
Gross Area	2,002 sqft
1st Floor Area	1,444 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	7,535 sqft (0.173 acres)
Lot Dimensions	107 ft deep x 70 ft wide
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Florida Room
Porch Area	118 sqft
Shed	1 Shed
Shed Area	180 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3127 GARDEN CT
City	SAINT CLOUD
State	FL
Zip	34769-6304
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR2
Legal Description	THE GARDENS PB 4 PG 193 LOT 22
Legal Range	30E
Legal Township	26S
Legal Section	03
Legal Subdivision	GARDENS THE
Legal Tract	27
Legal Block	220
Legal Lot Number	22
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2011
Census Tract	43203

Owner

Source: Osceola County records, as of November 26, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	3127 GARDEN CT, SAINT CLOUD, FL 34769-6304
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 1, 2017	Warranty Deed, Transfer CAROLYN L & VERNON D BROADFIELD
Sep 14, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 1, 2017 · Amount on Record
Deed Sale	Nov 1, 2017 · Amount on Record
Prior Sale	Mar 6, 2000 · Amount on Record
Deed Document Number	2017156909
Deed Book / Page	5233 / 1833
Prior Transfer Date	Sep 14, 2017
Prior Transfer Doc	0052072365
Record Updated	Jun 8, 2026

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Nov 1, 2017
Property Address	3127 GARDEN CT, SAINT CLOUD, FL 34769-6304
Document Number	0052331833
Book / Page	005233 / 001833
Instrument Date	Oct 20, 2017
Instrument	156909
Transaction Type	Transfer
Record Updated	Nov 28, 2017
Title Company	CLASSIC TITLE AND SOLUTIONS INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$560.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3127 GARDEN CT ST CLOUD FL 347696304, ST CLOUD, FL 34769-6304

Mortgage

Document Number	52331834
Date	Nov 1, 2017
Book Page	005233/001834
Instrument	156910

Lender

Name	CAROLYN L & VERNON D BROADFIELD
Address	3107 5TH ST, ST CLOUD, FL 34769-2011
Special Notes	Seller Financed

Agreement

Amount	Amount Recorded
Term	240 Months
Due	Oct 31, 2037

Interest

Rate Type	Fixed Rate
Rate	4.05%

September 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 14, 2017
Property Address	3127 GARDEN CT, SAINT CLOUD, FL 34769-6304
Document Number	0052072365
Book / Page	005207 / 002365
Instrument Date	Sep 14, 2017
Instrument	130264
Transaction Type	Transfer
Record Updated	Oct 6, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3127 GARDEN CT ST CLOUD FL 347696304, ST CLOUD, FL 34769-6304

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	$1,557.00 (+4.64%) Homeowner's exemption Senior Citizen's exemption Veteran's exemption	$146,515 (+5.99%)	$305,000 (+16.81%) Land $60,000 Building $245,000
2024	$1,488.00 (+3.91%)
2023	$1,432.00 (+5.22%) Homeowner's exemption Disabled Person's exemption Senior Citizen's exemption Veteran's exemption	$138,239 (+3%)	$261,100 (+32.67%) Land $50,000 Building $211,100
2022	$1,361.00 Homeowner's exemption Disabled Person's exemption Senior Citizen's exemption Veteran's exemption	$134,213	$196,800 Land $40,000 Building $156,800

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 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	Low lower than 94% of the US · lower than 95% of Florida
Wildfire Likelihood	0.02% 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 539 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	8,000 / 8,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

May also be available: AT&T, Verizon.

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