Osceola County property record for 3130 Garden Ct, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,260 sqft · built 1988 |
| Lot Size | 0.169 acres (7,405 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $1,007 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 81502 |
| Primary APN | 81502 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,260 sqft Heated Area |
| Gross Area | 1,812 sqft |
| 1st Floor Area | 1,130 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1993 |
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 7,405 sqft (0.169 acres) |
| Lot Dimensions | 107 ft deep x 70 ft wide |
| Garage Type | Finished |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Enclosed Porch |
|---|---|
| Porch Area | 274 sqft |
| Patio Area | 120 sqft |
| Fence | Fence |
| Shed | 1 Shed |
| Shed Area | 120 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 81502 |
|---|---|
| Street Address | 3130 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 2 |
| 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 | 2 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 43203 |
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 | 3130 GARDEN CT, SAINT CLOUD, FL 34769-6336 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 21, 1992 |
| Deed Sale | Jan 21, 1992 |
| Deed Document Number | 0010491247 |
| Record Updated | Jun 8, 2026 |
Source: Osceola County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,007.00 (+8.86%) Homeowner's exemption | $99,135 (+5.99%) | $288,200 (+16.82%) Land $60,000 Building $228,200 |
| 2023 | $925.00 (+5.47%) Homeowner's exemption | $93,536 (+3%) | $246,700 (+32.35%) Land $50,000 Building $196,700 |
| 2022 | $877.00 Homeowner's exemption | $90,812 | $186,400 Land $40,000 Building $146,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|
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.
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.
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 |
| 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.
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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