Osceola County property record for 3204 Misty Morn Ct, Saint Cloud, FL 34771
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,799 sqft · built 1993 |
| Lot Size | 1.05 acres (46,174 sqft) |
| Owner | Individual Name on File |
| Last Sale | $460,000 (Feb 2015) |
| Tax Bill | $5,522 (2025) |
| Deeds & Mortgages | Oct 2021 Transfer Mar 2021 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 89711 |
| Primary APN | 89711 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,799 sqft Heated Area |
| Gross Area | 4,167 sqft |
| 1st Floor Area | 2,799 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1993 |
|---|---|
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 46,174 sqft (1.05 acres) |
| Lot Dimensions | 175 ft deep x 134 ft wide |
| Garage Type | Finished |
| Garage Area | 950 sqft |
| Parking Spaces | 4 Parking Spaces |
| Pool Area | 20 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 418 sqft |
| Deck Area | 624 sqft |
| Boat Access | Boat Access |
| Boat House | 275 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 89711 |
|---|---|
| Street Address | 3204 MISTY MORN CT |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-7605 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | OPUD |
| Legal Description | LAKE AJAY VILLAGE PB 2 PGS 201-204 LOT 58 AND A PORTION OF CANAL 29A BEING DESCRIBED AS FOLLOWS: COM AT NE COR OF LOT 58, |
| Legal Range | 31E |
| Legal Township | 25S |
| Legal Section | 04 |
| Legal Subdivision | LAKE AJAY WATERFRONT |
| Legal Tract | 2512 |
| Legal Block | 1 |
| Legal Lot Number | 58 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 43700 |
Source: Osceola County records · APN 89711
Assessment roll updated July 1, 2025 · Last verified December 2025
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 | 3204 MISTY MORN CT, SAINT CLOUD, FL 34771-7605 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 27, 2021 | Quit Claim Deed, Transfer ACCOMODATION, ACCOMMODATION |
| Mar 15, 2021 | Deed of Trust, Mortgage · Conventional Mortgage LADERA LENDING INC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Feb 05, 2015 · Amount on Record |
| Deed Sale | Feb 05, 2015 · Amount on Record |
| Prior Sale | Feb 05, 2015 · Amount on Record |
| Deed Document Number | 0047312477 |
| Deed Book / Page | 4731 / 2477 |
| Last Transfer Date | Oct 27, 2021 |
| Transfer Doc | 0060740632 |
| Record Updated | Jun 08, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Oct 27, 2021 |
| Property Address | 3204 MISTY MORN CT, SAINT CLOUD, FL 34771-7605 |
| Document Number | 0060740632 |
| Book / Page | 6074 / 632 |
| Map Reference | MB 166 PG 452-455 |
| Instrument Date | Oct 20, 2021 |
| Instrument | 2021167239 |
| Transaction Type | Transfer |
| Record Updated | Jan 10, 2023 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 801 N MAIN ST, KISSIMMEE, FL 34744-4565 |
| Name | Verified Name |
|---|---|
| Address | 3204 MISTY, SAINT CLOUD, FL 34771 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3204 MISTY MORN CT, SAINT CLOUD, FL 34771-7605 |
| Transaction Type | Mortgage |
| Record Updated | Apr 12, 2021 |
| Name | Verified Name |
|---|---|
| Address | 3204 MISTY MORN CT, SAINT CLOUD, FL 34771-7605 |
| Document Number | 0059111661 |
|---|---|
| Date | Mar 15, 2021 |
| Book Page | 5911/1661 |
| Instrument | 2021037572 |
| Name | LADERA LENDING INC |
|---|---|
| Type | Mortgage Company |
| Address | LADERA RANCH, CA 92694 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 178 Months |
| Due | Jan 01, 2036 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
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 | $5,522.00 (+6.75%) Homeowner's exemption | $387,993 (+5.99%) | $540,300 (+15.75%) Land $100,000 Building $440,300 |
| 2023 | $5,173.00 (+3.83%) Homeowner's exemption | $366,077 (+3%) | $466,800 (+12.48%) Land $100,000 Building $366,800 |
| 2022 | $4,982.00 Homeowner's exemption | $355,415 | $415,000 Land $100,000 Building $315,000 |
Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 61.1 ft |
| Flood Insurance Requirement | Required federally backed loans |
| 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 |
|
| Wildfire Risk | High above 78% of the US · above 67% of Florida |
|---|---|
| Wildfire Likelihood | 0.5% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
May also be available: Spectrum.
Based on FCC filings for 96 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | TOHO WATER AUTHORITY EASTERN private · serves 110,102 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jun 2025 |
| Lead | Under 1 ppb (2023) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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