3205 Florenze Way, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3205 Florenze Way, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,878 sqft · built 2015
Lot Size	0.132 acres (5,750 sqft)
Owner	Individual Name on Record
Last Sale	$390,000 (Dec 2022)
Tax Bill	$4 (2025)
Deeds & Mortgages	Jul 2026 Sale Mar 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`148751`

Property Details

APN / Parcel Number

Primary APN	`148751`
Alternative APN	`272630291900010770`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,878 sqft Heated Area
Gross Area	2,463 sqft
1st Floor Area	1,878 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2015
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	5,750 sqft (0.132 acres)
Garage Type	Finished
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	144 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	148751
Street Address	3205 FLORENZE WAY
City	SAINT CLOUD
State	FL
Zip	34772-6705
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD
Legal Description	VILLAGIO PB 19 PG 43-45 LOT 77 ORD# 2015-06
Legal Range	30E
Legal Township	26S
Legal Section	27
Legal Subdivision	VILLAGIO
Legal Tract	2919
Legal Block	1
Legal Lot Number	77
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1013
Census Tract	43207

Owner

Source: Osceola County records, as of December 11, 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 Record
Co-owner	Co-owner on Record
Mailing Address	3205 FLORENZE WAY, SAINT CLOUD, FL 34772-6705
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 24, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
Mar 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Dec 9, 2022	Warranty Deed, Transfer · VA Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 9, 2022 · Amount on Record
Deed Sale	Dec 9, 2022 · Amount on Record
Prior Sale	Jul 10, 2015 · Amount on Record
Deed Document Number	2022176677
Deed Book / Page	6327 / 507
Record Updated	Sep 20, 2026

July 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 24, 2026
Property Address	3205 FLORENZE WAY, SAINT CLOUD, FL 34772-6705
Document Number	0000096963
Book / Page	7009 / 587
Instrument Date	Jun 19, 2026
Instrument	202696963
Transaction Type	Transfer
Record Updated	Aug 5, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Tax	$70.70
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3205 FLORENZE WAY, SAINT CLOUD, FL 34772-6705

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3205 FLORENZE WAY, SAINT CLOUD, FL 34772-6705
Transaction Type	Mortgage
Record Updated	Jan 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3205 FLORENZE WAY, SAINT CLOUD, FL 34772-6705

Mortgage

Document Number	0059132358
Date	Mar 17, 2021
Book Page	5913/2358
Instrument	2021039419

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 9, 2022
Property Address	3205 FLORENZE WAY, SAINT CLOUD, FL 34772-6705
Document Number	0063270507
Book / Page	6327 / 507
Map Reference	MB 19 PG 43-45
Instrument Date	Dec 5, 2022
Instrument	2022176677
Transaction Type	Transfer
Record Updated	Jan 11, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,730.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	URBANIZACIN LAS VIRTUDES CAHLE ALEGRIA, CANADA XX 924

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3205 FLORENZE WAY, SAINT CLOUD, FL 34772-6705

Mortgage

Document Number	0006327509
Date	Dec 9, 2022
Instrument	6327/509

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2053

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 2025

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4.00 (-99.91%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$314,900 (+3.18%) Land $65,000 Building $249,900	$314,900 (+3.18%) Land $65,000 Building $249,900
2023	$4,647.00 (+49.13%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$305,200 (+41.91%) Land $60,000 Building $245,200	$305,200 (+15.43%) Land $60,000 Building $245,200
2022	$3,116.00 Homeowner's exemption	$215,064	$264,400 Land $60,000 Building $204,400

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 34 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	34 in force

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	Low lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood	0.06% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	ST. CLOUD, CITY OF (3 WPS) serves 82,752 people · EPA ID FL3491373
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	2 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	1 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 429 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
CenturyLink DSL	140 / 20

May also be available: AT&T, Verizon, Xfinity.

Nearby Properties on Florenze Way

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures