Osceola County property record for 3131 Garden Ct, Saint Cloud, FL 34769 · Last verified April 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,186 sqft · built 1990 |
| Lot Size | 0.173 acres (7,535 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $24,900 (Aug 1997) |
| Tax Bill | $1,096 (2025) |
| Deeds & Mortgages | Feb 2022 Mortgage Jan 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-26-30-0027-0001-0230 |
| Primary APN | 03-26-30-0027-0001-0230 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,186 sqft Living Area |
| Gross Area | 1,756 sqft |
| 1st Floor Area | 1,186 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum Siding |
| Construction Type | Frame |
| 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 | 380 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Florida Room |
| Porch Area | 190 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 3131 GARDEN CT |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-6304 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | THE GARDENS PB 4 PG 193 LOT 23 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 03 |
| Legal Subdivision | GARDENS THE |
| Legal Tract | 27 |
| Legal Block | 230 |
| Legal Lot Number | 23 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 43203 |
Source: Osceola County records · APN 03-26-30-0027-0001-0230
Assessment roll updated November 26, 2025 · Last verified April 2026
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 File |
|---|---|
| Mailing Address | 3131 GARDEN CT, SAINT CLOUD, FL 34769-6304 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Feb 22, 2022 | Deed of Trust, Mortgage · Conventional Mortgage NORTHPOINT MORTGAGE INC |
| Jan 19, 2018 | Deed of Trust, Mortgage · FHA Mortgage NORTHPOINT MORTGAGE INC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 21, 1997 · Amount on Record |
| Deed Sale | Aug 21, 1997 · Amount on Record |
| Prior Sale | Aug 21, 1997 · Amount on Record |
| Deed Book / Page | 1428 / 1932 |
| Last Transfer Date | Jan 15, 2015 |
| Transfer Doc | 0047241265 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3131 GARDEN CT, SAINT CLOUD, FL 34769-6304 |
| Transaction Type | Mortgage |
| Record Updated | Mar 07, 2022 |
| Name | Verified Name |
|---|---|
| Address | 3131 GARDEN CT, SAINT CLOUD, FL 34769-6304 |
| Document Number | 0061551354 |
|---|---|
| Date | Feb 22, 2022 |
| Book Page | 6155/1354 |
| Instrument | 2022028568 |
| Name | NORTHPOINT MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | FISKDALE, MA 01518 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3131 GARDEN CT, SAINT CLOUD, FL 34769-6304 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0052720218 |
|---|---|
| Date | Jan 19, 2018 |
| Book Page | 5272/0218 |
| Instrument | 2018010506 |
| Name | NORTHPOINT MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | FISKDALE, MA 01518 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2048 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,096.00 (+4.28%) Homeowner's exemption | $104,123 (+5.99%) | $273,600 (+17.07%) Land $60,000 Building $213,600 |
| 2024 | $1,051.00 (+4.06%) | ||
| 2023 | $1,010.00 (+5.32%) Homeowner's exemption | $98,242 (+3%) | $233,700 (+32.41%) Land $50,000 Building $183,700 |
| 2022 | $959.00 Homeowner's exemption | $95,381 | $176,500 Land $40,000 Building $136,500 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970432032, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Flood Insurance Cost | Premium on Record median of 71 individual NFIP policies nearby |
| 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 Storm |
|
| Wildfire Risk | Low above 5% of the US · above 5% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 4,545 per year |
| Exposure | Direct burnable vegetation at the parcel |
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: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 539 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Lumen Technologies | Fiber | 8,000 / 8,000 |
| Spectrum | Cable | 1,000 / 1,000 |
| Starlink | Satellite (low-earth orbit) | 280 / 30 |
May also be available at this address: Verizon, AT&T, Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.
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