3220 Cord Ave, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3220 Cord Ave, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,383 sqft · built 1993
Lot Size	2.36 acres (102,976 sqft)
Owner	Individual Name on Record
Last Sale	$199,000 (Nov 2002)
Tax Bill	$4,631 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Dec 2019 Mortgage + 2 more
Flood Zone	Zone A (high risk)
APN	`88486`

Property Details

APN / Parcel Number

Primary APN	`88486`
Alternative APN	`262630495000010160`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,383 sqft Heated Area
Gross Area	3,556 sqft
1st Floor Area	2,383 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1993
Exterior Material	Brick
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	102,976 sqft (2.36 acres)
Garage Type	Finished
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	392 sqft
Porch	Open Porch
Porch Area	325 sqft
Deck Area	730 sqft
Utility Building	320 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	88486
Street Address	3220 CORD AVE
City	SAINT CLOUD
State	FL
Zip	34772-8194
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OAR1
Legal Description	S L & I C PB B PG 13 N 1/2 OF LOT 16
Legal Range	30E
Legal Township	26S
Legal Section	26
Legal Subdivision	ST CLOUD MANOR EST 1
Legal Tract	4950
Legal Block	1
Legal Lot Number	16
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2026
Census Tract	43304

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	3220 CORD AVE, SAINT CLOUD, FL 34772-8194
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 24, 2021	Deed of Trust, Mortgage · FHA Mortgage POINT MORTGAGE CORP
Dec 6, 2019	Quit Claim Deed, Transfer · Conventional Mortgage CARRINGTON MORTGAGE SERVICES LLC
Feb 14, 2019	Quit Claim Deed, Transfer BENWORTH CAP PTRS
Feb 13, 2018	Trustee's Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 4, 2002 · Amount on Record
Deed Sale	Nov 4, 2002 · Amount on Record
Prior Sale	Feb 14, 2019 · Amount on Record
Deed Document Number	0021392281
Last Transfer Date	Dec 6, 2019
Transfer Doc	0056360818
Record Updated	Jun 8, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3220 CORD AVE, SAINT CLOUD, FL 34772-8194
Transaction Type	Mortgage
Record Updated	Dec 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3220 CORD AVE, SAINT CLOUD, FL 34772-8194

Mortgage

Document Number	0059191179
Date	Mar 24, 2021
Book Page	5919/1179
Instrument	2021043903

Lender

Name	POINT MORTGAGE CORP
Type	Mortgage Company
Address	CHULA VISTA, CA 91914

Agreement

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

December 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 6, 2019
Property Address	3220 CORD AVE, SAINT CLOUD, FL 34772-8194
Document Number	0056360818
Book / Page	5636 / 0818
Map Reference	MB B PG 13
Instrument Date	Oct 25, 2019
Instrument	2019158613
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	FLORIDA TITLE SERVICES LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3220 CORD AVE, 3220, SAINT CLOUD, FL 34772-8194

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3220 CORD AVE, SAINT CLOUD, FL 34772-8194

Mortgage

Document Number	0056360820
Date	Dec 6, 2019
Instrument	5636/0820

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Nov 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	6.99%
Type Change Date	Nov 1, 2024
Change Frequency	Annually
Min Rate At Change	6.99%
Max Rate At Change	8.99%
Index	1-Year LIBOR
Margin	5
Max Rate	11.9%

February 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 14, 2019
Property Address	3220 CORD AVE, SAINT CLOUD, FL 34772-8194
Document Number	0054770153
Book / Page	005477 / 000153
Instrument Date	Feb 5, 2019
Instrument	19154
Transaction Type	Transfer
Record Updated	Feb 26, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,120.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3220 CORD AVE ST CLOUD FL 347728194, ST CLOUD, FL 34772-8194

Mortgage

Document Number	54770162
Date	Feb 14, 2019
Book Page	005477/000162
Instrument	19157

Lender

Name	BENWORTH CAP PTRS
Type	Funding / Finance Company
Address	MIAMI, FL 33173

Agreement

Amount	Amount Recorded

February 2018: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 13, 2018
Property Address	3220 CORD AVE, SAINT CLOUD, FL 34772-8194
Document Number	0052842865
Book / Page	005284 / 002865
Instrument Date	Aug 2, 2012
Instrument	24671
Transaction Type	Foreclosure
Record Updated	Feb 28, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Lis Pendens

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Association
Address	3220 CORD AVE ST CLOUD FL 347728194, ST CLOUD, FL 34772-8194
Investor	Possibly a Property Investor

Tax Assessment & Valuation

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	$4,631.00 (+7.08%) Homeowner's exemption	$323,689 (+5.99%)	$486,500 (+3.69%) Land $119,400 Building $367,100
2023	$4,325.00 (+3.99%) Homeowner's exemption	$305,405 (+3%)	$469,200 (+19.18%) Land $119,400 Building $349,800
2022	$4,159.00 Homeowner's exemption	$296,510	$393,700 Land $94,600 Building $299,100

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 A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 36 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	36 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 52% of the US · lower than 77% 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 94 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	2,000 / 1,000
Xfinity Cable	1,200 / 35
Spectrum Cable	1,000 / 1,000

May also be available: AT&T.

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