3160 Rustic Dr, Kissimmee, FL 34744 Property Records

Osceola County property record for 3160 Rustic Dr, Kissimmee, FL 34744

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,118 sqft · built 2000
Lot Size	0.92 acres (40,075 sqft)
Owner	2 Individual Names on Record
Last Sale	$380,000 (Oct 2017)
Tax Bill	$5,764 (2025)
Deeds & Mortgages	Jul 2020 Mortgage Oct 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-25-31-4947-0001-0640`

Property Details

APN / Parcel Number

Primary APN	`06-25-31-4947-0001-0640`
Alternative APNs	`253106494700010640` `90322`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	3,118 sqft Living Area
Gross Area	3,741 sqft
1st Floor Area	2,738 sqft
Upper Floors Area	380 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Concrete
Lot Area	40,075 sqft (0.92 acres)
Lot Dimensions	312 ft deep x 150 ft wide
Garage Type	Attached
Garage Area	580 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	308 sqft
Porch	Metal Porch
Porch Area	573 sqft
Deck Area	392 sqft
Shed	1 Shed
Shed Area	64 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	3160 RUSTIC DR
City	KISSIMMEE
State	FL
Zip	34744-9232
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OPUD
Legal Description	RUSTIC ACRES UNIT 3 PB 8 PG 55 LOT 64
Legal Range	31E
Legal Township	25S
Legal Section	06
Legal Subdivision	RUSTIC ACRES UNIT 3
Legal Tract	4947
Legal Block	640
Legal Lot Number	64
Legal Unit	3P
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3013
Census Tract	42800

Owner

Source: Osceola County records, as of November 26, 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
Mailing Address	3160 RUSTIC DR, KISSIMMEE, FL 34744-9232
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 15, 2020	Deed of Trust, Mortgage · VA Mortgage MR COOPER
Oct 4, 2017	Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 4, 2017 · Amount on Record
Deed Sale	Oct 4, 2017 · Amount on Record
Prior Sale	Jun 3, 2015 · Amount on Record
Deed Document Number	2017141505
Deed Book / Page	5217 / 2862
Prior Transfer Date	Apr 28, 2016
Prior Transfer Doc	0049510950
Record Updated	Jun 8, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3160 RUSTIC DR, KISSIMMEE, FL 34744-9232
Document Number	0057610288
Instrument Date	Jul 15, 2020
Transaction Type	Mortgage
Record Updated	Aug 31, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3160 RUSTIC DR KISSIMMEE FL 347449232, KISSIMMEE, FL 34744-9232

Mortgage

Document Number	0057610288
Date	Jul 24, 2020
Book Page	005761/000288
Instrument	96743

Lender

Name	MR COOPER
Address	COPPELL, TX 75019

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 23, 2050

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 4, 2017
Property Address	3160 RUSTIC DR, KISSIMMEE, FL 34744-9232
Document Number	0052172862
Book / Page	005217 / 002862
Instrument Date	Sep 29, 2017
Instrument	141505
Transaction Type	Transfer
Record Updated	Nov 10, 2017
Title Company	LA ROSA TITLE LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,660.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4503 MACKENZIE WAY KISSIMMEE FL 347582165, KISSIMMEE, FL 34758-2165

Mortgage

Document Number	52172864
Date	Oct 4, 2017
Book Page	005217/002864
Instrument	141506

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 3, 2047

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	$5,764.00 (+4.55%) Homeowner's exemption	$405,459 (+5.99%)	$618,600 (+12.25%) Land $100,000 Building $518,600
2024	$5,513.00 (+2.04%)
2023	$5,403.00 (+3.78%) Homeowner's exemption	$382,557 (+3%)	$551,100 (+16.56%) Land $100,000 Building $451,100
2022	$5,206.00 Homeowner's exemption	$371,415	$472,800 Land $87,500 Building $385,300

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 167 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	167 in force
Nearby Flood Claims	15 (2017–2025)
Claims Outside the SFHA	1 of 15
Most Recent Claim	Jul 2025 · rainfall accumulation
Claims by Event	Hurricane Ian, Sep 2022 · 6 claims Hurricane Ian, Sep 2022 · 5 claims 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	High above 74% of the US · above 59% of Florida
Wildfire Likelihood	0.4% 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	TOHO WATER AUTHORITY EASTERN private · serves 110,102 people · EPA ID FL3490751
Water Source	Groundwater
Last State Inspection	Jun 2025
Lead	Under 1 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	2 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 179 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: Summit Broadband, Verizon.

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