3208 Florenze Way, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3208 Florenze Way, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,358 sqft · built 2016
Lot Size	0.105 acres (4,573 sqft)
Owner	Individual Name on Record
Last Sale	$252,200 (Jul 2017)
Tax Bill	$3,412 (2025)
Deeds & Mortgages	Feb 2022 Mortgage Jul 2017 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`27-26-30-2919-0001-1080`

Property Details

APN / Parcel Number

Primary APN	`27-26-30-2919-0001-1080`
Alternative APNs	`263027291900011080` `148782`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,358 sqft Living Area
Gross Area	2,938 sqft
1st Floor Area	1,054 sqft
Upper Floors Area	1,304 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Architectural Style	Conventional
Exterior Material	Concrete Block
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	4,573 sqft (0.105 acres)
Lot Dimensions	92 ft deep x 50 ft wide
Garage Type	Attached
Garage Area	452 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	153 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3208 FLORENZE WAY
City	SAINT CLOUD
State	FL
Zip	34772-6704
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD
Legal Description	VILLAGIO PB 19 PG 43-45 LOT 108 ORD# 2015-06
Legal Range	30E
Legal Township	26S
Legal Section	27
Legal Subdivision	VILLAGIO
Legal Tract	2919
Legal Block	1080
Legal Lot Number	108
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1018
Census Tract	43207

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	Individual Name on Record
Mailing Address	3208 FLORENZE WAY, SAINT CLOUD, FL 34772-6704
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 9, 2022	Deed of Trust, Mortgage · FHA Mortgage US BANK NA
Jul 27, 2017	Special Warranty Deed, Transfer · FHA Mortgage NVR MORTGAGE FINANCE INC
Mar 28, 2017	Warranty Deed, Transfer COMMUNITY FIRST TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 27, 2017 · Amount on Record
Deed Sale	Jul 27, 2017 · Amount on Record
Prior Sale	Mar 1, 2017 · Amount on Record
Deed Document Number	2017109111
Deed Book / Page	5185 / 2243
Record Updated	Sep 20, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3208 FLORENZE WAY, SAINT CLOUD, FL 34772-6704
Transaction Type	Mortgage
Record Updated	Feb 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3208 FLORENZE WAY, SAINT CLOUD, FL 34772-6704

Mortgage

Document Number	0061470778
Date	Feb 9, 2022
Book Page	6147/778
Instrument	2022022056

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Jan 1, 2052

July 2017: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 27, 2017
Property Address	3208 FLORENZE WAY, SAINT CLOUD, FL 34772-6704
Document Number	0051852243
Book / Page	5185 / 2243
Map Reference	MB19 PG43-4
Instrument Date	Jul 26, 2017
Instrument	2017109111
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,765.40
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4307 VINELAND RD # RDH20, 4307, ORLANDO, FL 32811-7178

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3208 FLORENZE WAY, SAINT CLOUD, FL 34772-6704

Mortgage

Document Number	0051852245
Date	Jul 27, 2017
Instrument	5185/2245

Lender

Name	NVR MORTGAGE FINANCE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2047

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 28, 2017
Property Address	3208 FLORENZE WAY, SAINT CLOUD, FL 34772-6704
Document Number	0051230455
Book / Page	005123 / 000455
Instrument Date	Mar 20, 2017
Instrument	47374
Transaction Type	Transfer
Record Updated	Apr 12, 2017
Title Company	COMMUNITY FIRST TITLE

Transaction

Amount	Amount Recorded
Tax	$681.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	4307 VINELAND RD #H20 ORLANDO FL 328117374, H20, ORLANDO, FL 32811-7374
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 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	$3,412.00 (+3.52%)	$233,545 (+5.99%)	$347,000 (+3.18%) Land $65,000 Building $282,000
2024	$3,296.00 (+2.71%)
2023	$3,209.00 (+3.65%) Homeowner's exemption	$220,354 (+3%)	$336,300 (+16.09%) Land $60,000 Building $276,300
2022	$3,096.00 Homeowner's exemption	$213,936	$289,700 Land $60,000 Building $229,700

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	Moderate above 56% of the US · lower than 71% of Florida
Wildfire Likelihood	0.1% 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	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.

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