3132 Garden Ct, Saint Cloud, FL 34769 Property Records

Osceola County property record for 3132 Garden Ct, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,763 sqft · built 1989
Lot Size	0.184 acres (8,015 sqft)
Owner	2 Individual Names on Record
Last Sale	$370,000 (Feb 2026)
Tax Bill	$1,501 (2025)
Deeds & Mortgages	Feb 2026 Sale & Mortgage Nov 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-26-30-0027-0001-0010`

Property Details

APN / Parcel Number

Primary APN	`03-26-30-0027-0001-0010`
Alternative APNs	`263003002700010010` `81501`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	1,763 sqft Living Area
Gross Area	1,786 sqft
1st Floor Area	1,383 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1994
Exterior Material	Aluminum Siding
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,015 sqft (0.184 acres)
Lot Dimensions	108 ft deep x 75 ft wide

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	392 sqft
Porch	Florida Room
Porch Area	403 sqft
Deck Area	388 sqft
Shed	1 Shed
Shed Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3132 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 1
Legal Range	30E
Legal Township	26S
Legal Section	03
Legal Subdivision	GARDENS THE
Legal Tract	27
Legal Block	10
Legal Lot Number	1
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2004
Census Tract	43203

Owner

Source: Osceola County records, as of April 6, 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 Record
Mailing Address	3132 GARDEN CT, SAINT CLOUD, FL 34769-6336
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Feb 9, 2026	Warranty Deed, Transfer · Conventional Mortgage TRUIST BANK
Nov 4, 2020	Deed of Trust, Mortgage · Conventional Mortgage EMBRACE HOME LOANS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 9, 2026 · Amount on Record
Deed Sale	Feb 9, 2026 · Amount on Record
Deed Document Number	202617134
Deed Book / Page	6919 / 1596
Prior Transfer Date	Jul 18, 2008
Prior Transfer Doc	0037210888
Record Updated	Jun 8, 2026

February 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 9, 2026
Property Address	3132 GARDEN CT, SAINT CLOUD, FL 34769-6336
Document Number	0069191596
Book / Page	6919 / 1596
Map Reference	MB 4 PG 193
Instrument Date	Feb 5, 2026
Instrument	2026017134
Transaction Type	Transfer
Record Updated	Feb 20, 2026
Title Company	CLOSING TECH LLC, CLOSING CITY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,590.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	316 DUPONT CIR, HOWEY IN THE HILLS, FL 34737-3106

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3132 GARDEN CT, SAINT CLOUD, FL 34769-6336

Mortgage

Document Number	0069191598
Date	Feb 9, 2026
Instrument	6919/1598

Lender

Name	TRUIST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3132 GARDEN CT, SAINT CLOUD, FL 34769-6336
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	GOLD STAR T&E INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3132 GARDEN CT, SAINT CLOUD, FL 34769-6336

Mortgage

Document Number	0058270064
Date	Nov 4, 2020
Book Page	5827/64
Instrument	2020150661

Lender

Name	EMBRACE HOME LOANS INC
Type	Mortgage Company
Address	MIDDLETOWN, RI 02842

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Dec 1, 2035

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	$1,501.00 (+4.02%) Homeowner's exemption	$126,737 (+5.99%)	$335,700 (+16.81%) Land $60,000 Building $275,700
2024	$1,443.00 (+3.52%)
2023	$1,394.00 (+4.58%) Homeowner's exemption	$119,579 (+3%)	$287,400 (+30.46%) Land $50,000 Building $237,400
2022	$1,333.00 Homeowner's exemption	$116,097	$220,300 Land $40,000 Building $180,300

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are 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 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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