3220 Rustic Dr, Kissimmee, FL 34744 Property Records

Osceola County property record for 3220 Rustic Dr, Kissimmee, FL 34744

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,710 sqft · built 1988
Lot Size	0.639 acres (27,835 sqft)
Owner	Individual Name on Record
Last Sale	$375,000 (Feb 2021)
Tax Bill	$1,558 (2025)
Deeds & Mortgages	Feb 2021 Sale Aug 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`90286`

Property Details

APN / Parcel Number

Primary APN	`90286`
Alternative APN	`062531494500010310`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,710 sqft Heated Area
Gross Area	2,550 sqft
1st Floor Area	1,710 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1993
Exterior Material	Aluminum Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	27,835 sqft (0.639 acres)
Garage Type	Finished
Garage Area	550 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	45 sqft
Porch	Open Porch
Porch Area	290 sqft
Deck Area	618 sqft
Shed	1 Shed
Shed Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	90286
Street Address	3220 RUSTIC DR
City	KISSIMMEE
State	FL
Zip	34744-9209
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OPUD
Legal Description	RUSTIC ACRES UNIT ONE PB 4 PG 46 LOT 31
Legal Range	31E
Legal Township	25S
Legal Section	06
Legal Subdivision	RUSTIC ACRES UN 1
Legal Tract	4945
Legal Block	1
Legal Lot Number	31
Legal Unit	ON
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3013
Census Tract	42800

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 RUSTIC DR, KISSIMMEE, FL 34744-9209
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 1, 2021	Warranty Deed, Transfer A-Z TEAM TITLE LLC, A Z TEAM TITLE LLC
Aug 17, 2018	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 1, 2021 · Amount on Record
Deed Sale	Feb 1, 2021 · Amount on Record
Prior Sale	Jul 21, 2014 · Amount on Record
Deed Document Number	2021014310
Deed Book / Page	5881 / 2614
Record Updated	Jun 8, 2026

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 1, 2021
Property Address	3220 RUSTIC DR, KISSIMMEE, FL 34744-9209
Document Number	0058812614
Book / Page	5881 / 2614
Map Reference	MB 4 PG 46
Instrument Date	Jan 29, 2021
Instrument	2021014310
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	A-Z TEAM TITLE LLC, A Z TEAM TITLE LLC

Transaction

Amount	Amount Recorded
Tax	$2,625.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3220 RUSTIC DR, 3220, KISSIMMEE, FL 34744-9209

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3220 RUSTIC DR, KISSIMMEE, FL 34744-9209

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3220 RUSTIC DR, KISSIMMEE, FL 34744-9209
Document Number	0053991606
Instrument Date	Aug 17, 2018
Transaction Type	Mortgage
Record Updated	Oct 1, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3220 RUSTIC DR KISSIMMEE FL 347449209, KISSIMMEE, FL 34744-9209

Mortgage

Document Number	0053991606
Date	Sep 12, 2018
Book Page	005399/001606
Instrument	136869

Lender

Name	HUD-HOUSING/URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	336 Months
Due	Sep 11, 2046

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	$1,558.00 (+8.12%) Homeowner's exemption	$101,918 (+2.9%)	$342,700 (-0.32%) Land $80,000 Building $262,700
2024	$1,441.00 (+2.71%) Homeowner's exemption	$99,046 (+3%)	$343,800 (+10.94%) Land $80,000 Building $263,800
2023	$1,403.00 (-67.74%) Homeowner's exemption	$96,162 (-64.38%)	$309,900 (+14.78%) Land $80,000 Building $229,900
2022	$4,349.00	$270,000 Land $70,000 Building $200,000	$270,000 Land $70,000 Building $200,000

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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 167 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	167 in force
Nearby Flood Claims	15 (2017–2025)
Claims Outside the SFHA	1 of 15
Most Recent Claim	Jul 2025 · rainfall accumulation
Claims by Event	Hurricane Ian, Sep 2022 · 6 claims Hurricane Ian, Sep 2022 · 5 claims Hurricane Irma, Sep 2017 · 2 claims

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	High above 74% of the US · above 59% of Florida
Wildfire Likelihood	0.4% 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	TOHO WATER AUTHORITY EASTERN private · serves 110,102 people · EPA ID FL3490751
Water Source	Groundwater
Last State Inspection	Jun 2025
Lead	Under 1 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	2 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 179 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: Summit Broadband, Verizon.

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