3128 Sweet Acres Pl, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3128 Sweet Acres Pl, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,983 sqft · built 2022
Lot Size	0.13 acres (5,663 sqft)
Owner	Individual Name on File
Last Sale	$399,000 (Sep 2022)
Tax Bill	$7,595 (2025)
Deeds & Mortgages	Sep 2022 Sale & Mortgage Feb 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`192631015500016210`

Property Details

APN / Parcel Number

Primary APN	`192631015500016210`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,983 sqft Heated Area
Gross Area	2,874 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2022
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

Exterior Amenities

Porch	Open Porch
Porch Area	112 sqft
Patio Area	152 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3128 SWEET ACRES PL
City	SAINT CLOUD
State	FL
Zip	34772-9024
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GRAMERCY FARMS PH 9B PB 29 PGS 193-194 LOT 621
Legal Subdivision	GRAMERCY FARMS PH 4 5 7 8 & 9
Legal Phase	9B
Legal Lot Number	621
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1003
Census Tract	43304

Owner

Source: Osceola County assessment roll, as of July 1, 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	3128 SWEET ACRES PL, SAINT CLOUD, FL 34772-9024
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 20, 2022	Warranty Deed, Transfer · Conventional Mortgage FBC MORTGAGE LLC
Feb 17, 2022	Special Warranty Deed, Transfer · Conventional Mortgage KBHS HOME LOANS LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 20, 2022 · Amount on Record
Deed Sale	Sep 20, 2022 · Amount on Record
Prior Sale	Feb 17, 2022 · Amount on Record
Deed Document Number	2022142446
Deed Book / Page	6288 / 2541
Record Updated	Jun 8, 2026

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 20, 2022
Property Address	3128 SWEET ACRES PL, SAINT CLOUD, FL 34772-9024
Document Number	0062882541
Book / Page	6288 / 2541
Map Reference	MB 29 PG 193&194
Instrument Date	Sep 16, 2022
Instrument	2022142446
Transaction Type	Transfer
Record Updated	Jan 22, 2024
Title Company	ORLANDO TITLE SERVICES LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,793.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	507 BASSETT DR, KISSIMMEE, FL 34758-4205

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3128 SWEET ACRES PL, SAINT CLOUD, FL 34772-9024

Mortgage

Document Number	0062882543
Date	Sep 20, 2022
Instrument	6288/2543

Lender

Name	FBC MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2052

February 2022: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 17, 2022
Property Address	3128 SWEET ACRES PL, SAINT CLOUD, FL 34772-9024
Document Number	0061531033
Book / Page	6153 / 1033
Map Reference	MB 29 PG 193
Instrument Date	Feb 15, 2021
Instrument	2022026940
Transaction Type	Transfer
Record Updated	Jan 22, 2024
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,458.40
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	3128 SWEET ACRES PL, SAINT CLOUD, FL 34772-9024

Mortgage

Document Number	0061531035
Date	Feb 17, 2022
Instrument	6153/1035

Lender

Name	KBHS HOME LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

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	$7,595.00 (+3.79%) Homeowner's exemption	$360,300 (+1.66%) Land $75,600 Building $284,700	$360,300 (+1.66%) Land $75,600 Building $284,700
2023	$7,318.00 (+169.64%) Homeowner's exemption	$354,400 (+496.63%) Land $64,800 Building $289,600	$354,400 (+496.63%) Land $64,800 Building $289,600
2022	$2,714.00	$59,400 Land $59,400	$59,400 Land $59,400

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 64% of the US · above 40% of Florida
Wildfire Likelihood	0.3% annual chance
Exposure	Direct burnable vegetation at the parcel

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 133 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Lumen Technologies Fiber	2,000 / 1,000
Spectrum Cable	1,000 / 1,000

May also be available: Xfinity.

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