3146 Voyager Ave, Saint Cloud, FL 34771 Property Records

Osceola County property record for 3146 Voyager Ave, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,747 sqft · built 2024
Lot Size	0.13 acres (5,662 sqft)
Owner	Company Name on Record
Tax Bill	$3,781 (2024)
Deeds & Mortgages	Jun 2024 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-25-31-5539-0001-0990`

Property Details

APN / Parcel Number

Primary APN	`02-25-31-5539-0001-0990`
Alternative APN	`253102553900010990`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,747 sqft Living Area
Gross Area	3,687 sqft
1st Floor Area	2,033 sqft
Flooring	Carpet

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Architectural Style	Conventional
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	5,662 sqft (0.13 acres)
Garage Type	Detached
Garage Area	770 sqft
Porch	Finished/Open Porch
Porch Area	170 sqft

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	3146 VOYAGER AVE
City	SAINT CLOUD
State	FL
Zip	34771-9399
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WESLYN PARK PH 3 PB 34 PGS 38-52 LOT 99
Legal Lot Number	99
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1002
Census Tract	43700

Owner

Source: Osceola County records, as of April 21, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	1064 GREENWOOD SPRINGS BLVD, E, GREENWOOD, IN 46143-6400
Owner Type	Company
Vesting	Limited Liability Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Jun 8, 2026

June 2024: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 28, 2024
Property Address	3146 VOYAGER AVE, SAINT CLOUD, FL 34771-9399
Document Number	0066250782
Book / Page	6625 / 782
Map Reference	MB 34 PG 38
Instrument Date	Jun 27, 2024
Instrument	2024085166
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,574.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1064 GREENWOOD BLVD STE 124, 124, LAKE MARY, FL 32746-5419

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3146 VOYAGER AVENUE, SAINT CLOUD, FL 34771-9399

Mortgage

Document Number	2024085167
Date	Jun 28, 2024
Instrument	2024085167

Lender

Name	USF FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	5.87%
Type Change Date	Jul 1, 2031
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	10.8%
Index	SOFR Average 30-Day
Margin	3
Max Rate	10.8%

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$563,600 Land $90,000 Building $473,600	$563,600 Land $90,000 Building $473,600
2024	$3,781.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 330 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	330 in force
Nearby Flood Claims	18 (2004–2022)
Claims Outside the SFHA	1 of 18
Most Recent Claim	Oct 2022 · Hurricane Ian
Claims by Event	Hurricane Ian, Oct 2022 · 2 claims Hurricane Ian, Sep 2022 · 5 claims Hurricane Frances, Sep 2004 · 6 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	Very High above 93% of the US · above 88% of Florida
Wildfire Likelihood	1% annual chance
Exposure	Direct burnable vegetation

Insurers in high-risk areas may require mitigation or decline coverage; check availability before making an offer.

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	TOHO WATER AUTHORITY-POINCIANA SYSTEM public/private · serves 69,447 people · EPA ID FL3494429
Water Source	Groundwater
Last State Inspection	Mar 2024
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 2 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Verizon Fixed Wireless	25 / 6