3133 Garden Ct, Saint Cloud, FL 34769 Property Records

Osceola County property record for 3133 Garden Ct, Saint Cloud, FL 34769 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,078 sqft · built 1987
Lot Size	0.186 acres (8,102 sqft)
Owner	Individual Name on File
Last Sale	$200,000 (Jan 2023)
Tax Bill	$3,832 (2025)
Deeds & Mortgages	Jan 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-26-30-0027-0001-0240`

Property Details

APN / Parcel Number

Primary APN	`03-26-30-0027-0001-0240`
Alternative APNs	`263003002700010240` `81524`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,078 sqft Living Area
Gross Area	1,642 sqft
1st Floor Area	1,078 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Architectural Style	Conventional
Exterior Material	Aluminum Siding
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,102 sqft (0.186 acres)
Lot Dimensions	107 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	252 sqft
Parking Spaces	1 Parking Space
Porch	Florida Room
Porch Area	312 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3133 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 24
Legal Range	30E
Legal Township	26S
Legal Section	03
Legal Subdivision	GARDENS THE
Legal Tract	27
Legal Block	240
Legal Lot Number	24
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2011
Census Tract	43203

Owner

Source: Osceola County records · APN 03-26-30-0027-0001-0240

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	Individual Name on File
Mailing Address	3133 GARDEN CT, SAINT CLOUD, FL 34769-6304
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jan 19, 2023 · Amount on Record
Deed Sale	Jan 19, 2023 · Amount on Record
Deed Document Number	20237007
Deed Book / Page	6346 / 797
Prior Transfer Date	Sep 30, 2014
Prior Transfer Doc	0046791193
Record Updated	Jun 08, 2026

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 19, 2023
Property Address	3133 GARDEN CT, SAINT CLOUD, FL 34769-6304
Document Number	0063460797
Book / Page	6346 / 797
Map Reference	MB 4 PG 193
Instrument Date	Jan 18, 2023
Instrument	2023007007
Transaction Type	Transfer
Record Updated	Feb 02, 2023
Title Company	EQUITABLE TITLE/DR PHILLIPS LL, EQUITABLE TTL OF DR PHILLIPS

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,400.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3133 GARDEN CT, SAINT CLOUD, FL 34769-6304

Mortgage

Document Number	0006346799
Date	Jan 19, 2023
Instrument	6346/799

Lender

Name	JACQUELINE BURSON ETUX
Type	Seller

Agreement

Type	Seller Carry-Back
Amount	Amount Recorded
Term	180 Months
Due	Jan 01, 2038

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 2026

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

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	$3,832.00 (+0.16%) Homeowner's exemption	$257,000 (+17.03%) Land $60,000 Building $197,000	$257,000 (+17.03%) Land $60,000 Building $197,000
2024	$3,826.00 (+13.16%)
2023	$3,381.00 (+17.48%)	$219,600 (+32.69%) Land $50,000 Building $169,600	$219,600 (+32.69%) Land $50,000 Building $169,600
2022	$2,878.00	$165,500 Land $40,000 Building $125,500	$165,500 Land $40,000 Building $125,500

Flood & Wildfire

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

Flood

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 61 of 71 on primary residences
Nearby Flood Claims	2 (2017)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Sep 2017, Hurricane Irma
Flood Events	Hurricane Irma (Sep 2017), 2 claims

Wildfire

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.