3180 Rustic Dr, Kissimmee, FL 34744 Property Records

Osceola County property record for 3180 Rustic Dr, Kissimmee, FL 34744

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,611 sqft · built 1998
Lot Size	0.712 acres (31,015 sqft)
Owner	Individual Name on File
Last Sale	$291,000 (Sep 2018)
Tax Bill	$3,794 (2025)
Deeds & Mortgages	Jan 2024 Line of Credit Feb 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`90320`

Property Details

APN / Parcel Number

Primary APN	`90320`
Alternative APN	`062531494700010620`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,611 sqft Heated Area
Gross Area	2,333 sqft
1st Floor Area	1,611 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 2010
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	31,015 sqft (0.712 acres)
Garage Type	Finished
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	220 sqft
Porch	Open Porch
Porch Area	238 sqft
Deck Area	274 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	90320
Street Address	3180 RUSTIC DR
City	KISSIMMEE
State	FL
Zip	34744-9232
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RUSTIC ACRES UNIT 3 PB 8 PG 55 LOT 62
Legal Range	31E
Legal Township	25S
Legal Section	06
Legal Subdivision	RUSTIC ACRES UN 1
Legal Tract	4947
Legal Block	1
Legal Lot Number	62
Legal Unit	3P
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3013
Census Tract	42800

Owner

3180 Rustic Dr is owned and occupied by an individual who bought it in September 2018.

Source: Osceola County records, as of December 11, 2025

Owner of Record	Individual Name on File
Mailing Address	3180 RUSTIC DR, KISSIMMEE, FL 34744-9232
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jan 9, 2024	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Feb 10, 2022	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Feb 21, 2020	Deed of Trust, Mortgage · FHA Mortgage ROUNDPOINT MORTGAGE SERVICING CORP
Sep 26, 2018	Warranty Deed, Transfer · FHA Mortgage EQUITY PRIME MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 26, 2018 · Amount on File
Deed Sale	Sep 26, 2018 · Amount on File
Prior Sale	Dec 1, 2014 · Amount on File
Deed Document Number	2018144928
Deed Book / Page	5407 / 1180
Record Updated	Jun 8, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3180 RUSTIC DR, KISSIMMEE, FL 34744-9232
Transaction Type	Mortgage
Record Updated	Jan 31, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3180 RUSTIC DR, KISSIMMEE, FL 34744-9232

Mortgage

Document Number	0065310511
Date	Jan 9, 2024
Book Page	6531/511
Instrument	2024003237

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jan 30, 2054

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3180 RUSTIC DR, KISSIMMEE, FL 34744-9232
Transaction Type	Mortgage
Record Updated	Feb 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3180 RUSTIC DR, KISSIMMEE, FL 34744-9232

Mortgage

Document Number	0061471835
Date	Feb 10, 2022
Book Page	6147/1835
Instrument	2022022365

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	DENVER, CO 80249

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	337 Months
Due	Mar 1, 2050

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3180 RUSTIC DR, KISSIMMEE, FL 34744-9232
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0056782226
Date	Feb 21, 2020
Book Page	5678/2226
Instrument	2020026127

Lender

Name	ROUNDPOINT MORTGAGE SERVICING CORP
Type	Mortgage Company
Address	FORT MILL, SC 29715

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2050

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 26, 2018
Property Address	3180 RUSTIC DR, KISSIMMEE, FL 34744-9232
Document Number	0054071180
Book / Page	5407 / 1180
Map Reference	MB8 PG55
Instrument Date	Sep 20, 2018
Instrument	2018144928
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	FIDELITY NATL TITLE OF FLORI

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,037.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3180 RUSTIC DR, 3180, KISSIMMEE, FL 34744-9232

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3180 RUSTIC DR, KISSIMMEE, FL 34744-9232

Mortgage

Document Number	2018144929
Date	Sep 26, 2018
Instrument	2018144929

Lender

Name	EQUITY PRIME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 3180 Rustic Dr was $3,794 with a homeowner's exemption.

Source: Osceola County assessment roll, as of July 1, 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	$3,794.00 Homeowner's exemption	$263,259	$393,500 Land $92,000 Building $301,500
2023	$3,529.00 (+4.25%) Homeowner's exemption	$248,389 (+3%)	$353,400 (+16.36%) Land $92,000 Building $261,400
2022	$3,385.00 Homeowner's exemption	$241,155	$303,700 Land $80,500 Building $223,200

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

Flood

FEMA maps place 3180 Rustic Dr in Zone X, an area of minimal flood risk, though there have been 15 flood claims nearby since 2017.

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 File 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

Wildfire risk around 3180 Rustic Dr is high, ranking above 74% of the US, with a 0.4% annual chance of 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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