3210 Florenze Way, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3210 Florenze Way, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,092 sqft · built 2015
Lot Size	0.132 acres (5,749 sqft)
Owner	2 Individual Names on File
Last Sale	$415,000 (Sep 2021)
Tax Bill	$6,178 (2025)
Deeds & Mortgages	Sep 2021 Sale & Mortgage Feb 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`27-26-30-2919-0001-1090`

Property Details

APN / Parcel Number

Primary APN	`27-26-30-2919-0001-1090`
Alternative APNs	`263027291900011090` `148783`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,092 sqft Living Area
Gross Area	3,747 sqft
1st Floor Area	1,328 sqft
Upper Floors Area	1,764 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Architectural Style	Conventional
Exterior Material	Combination
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	5,749 sqft (0.132 acres)
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	214 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	3210 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 109 ORD# 2015-06
Legal Range	30E
Legal Township	26S
Legal Section	27
Legal Subdivision	VILLAGIO
Legal Tract	2919
Legal Block	1090
Legal Lot Number	109
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1018
Census Tract	43207

Owner

3210 Florenze Way is owned and occupied by two individuals who bought it in September 2021.

Source: Osceola County records, as of November 26, 2025

Owner of Record	2 Individual Names on File
Mailing Address	3210 FLORENZE WAY, SAINT CLOUD, FL 34772-6704
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
Sep 29, 2021	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Feb 26, 2018	Warranty Deed, Transfer · VA Mortgage STEARNS LNDG
Feb 26, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 29, 2021 · Amount on File
Deed Sale	Sep 29, 2021 · Amount on File
Prior Sale	Feb 26, 2018 · Amount on File
Deed Document Number	2021150934
Deed Book / Page	6053 / 2987
Prior Transfer Date	Feb 22, 2018
Prior Transfer Doc	0052920616
Record Updated	Jun 8, 2026

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 29, 2021
Property Address	3210 FLORENZE WAY, SAINT CLOUD, FL 34772-6704
Document Number	0060532987
Book / Page	6053 / 2987
Map Reference	MB 19 PG 43-45
Instrument Date	Jul 31, 2021
Instrument	2021150934
Transaction Type	Transfer
Record Updated	Oct 12, 2021
Title Company	UNIK TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,905.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	30 W FAIRLAWN DR, 30, CARROLLTON, GA 30117-8200

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3210 FLORENZE WAY, SAINT CLOUD, FL 34772-6704

Mortgage

Document Number	60532990
Date	Sep 29, 2021
Instrument	6053/2990

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Aug 1, 2051

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 26, 2018
Property Address	3210 FLORENZE WAY, SAINT CLOUD, FL 34772-6704
Document Number	0052920593
Book / Page	005292 / 000593
Instrument Date	Feb 22, 2018
Instrument	33209
Transaction Type	Transfer
Record Updated	Mar 26, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,156.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3210 FLORENZE WAY ST CLOUD FL 347726704, ST CLOUD, FL 34772-6704

Mortgage

Document Number	52920595
Date	Feb 26, 2018
Book Page	005292/000595
Instrument	33210

Lender

Name	STEARNS LNDG
Address	SANTA ANA, CA 92707-8788

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 25, 2048

February 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 26, 2018
Property Address	3210 FLORENZE WAY, SAINT CLOUD, FL 34772-6704
Document Number	0052920616
Book / Page	005292 / 000616
Instrument Date	Feb 22, 2018
Instrument	33211
Transaction Type	Transfer
Record Updated	Mar 26, 2018

Transaction

Amount	Amount on Record
Tax	$1,101.80
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3210 FLORENZE WAY ST CLOUD FL 347726704, ST CLOUD, FL 34772-6704

Tax Assessment & Valuation

The 2025 property tax bill for 3210 Florenze Way was $6,178 with a homeowner's exemption, up 3.4% from the year before.

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	$6,178.00 (+3.38%) Homeowner's exemption	$388,086	$427,900 Land $65,000 Building $362,900
2024	$5,976.00 (+2.42%)
2023	$5,835.00 (+3.33%) Homeowner's exemption	$366,165 (+3%)	$415,700 (+16.93%) Land $60,000 Building $355,700
2022	$5,647.00 Homeowner's exemption	$355,500 Land $60,000 Building $295,500	$355,500 Land $60,000 Building $295,500

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

Flood

FEMA maps place 3210 Florenze Way in Zone X, an area of minimal flood risk.

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 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

Wildfire risk around 3210 Florenze Way is moderate, ranking above 56% of the US, with a 0.1% annual chance of 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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