Osceola County property record for 3230 Cord Ave, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,949 sqft · built 1997 |
| Lot Size | 2.36 acres (102,975 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $2,745 (2025) |
| Deeds & Mortgages | Dec 2025 Line of Credit Mar 2022 Mortgage + 2 more |
| Flood Zone | Zone A (high risk) |
| APN | 26-26-30-4950-0001-0165 |
| Primary APN | 26-26-30-4950-0001-0165 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,949 sqft Living Area |
| Gross Area | 3,766 sqft |
| 1st Floor Area | 2,949 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1997 |
| Architectural Style | Conventional |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 102,975 sqft (2.36 acres) |
| Garage Type | Attached |
| Garage Area | 506 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Florida Room |
| Porch Area | 311 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 3230 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 S 1/2 OF LOT 16 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 26 |
| Legal Subdivision | S L & I C |
| Legal Tract | 4950 |
| Legal Block | 165 |
| Legal Lot Number | 16 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2026 |
| Census Tract | 43304 |
Source: Osceola County records · APN 26-26-30-4950-0001-0165
Assessment roll updated November 26, 2025 · Last verified April 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3230 CORD AVE, SAINT CLOUD, FL 34772-8194 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 23, 2025 | Deed of Trust, Mortgage · Line of Credit SPRING EQ LLC |
| Mar 24, 2022 | Deed of Trust, Mortgage · Conventional Mortgage MISSION LOANS LLC |
| Mar 19, 2021 | Quit Claim Deed, Transfer Quitclaim |
| Apr 11, 2019 | Quit Claim Deed, Transfer · FHA Mortgage AMRES CORP |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Apr 11, 2019 |
| Deed Sale | Apr 11, 2019 |
| Prior Sale | Feb 01, 2013 · Amount on Record |
| Deed Document Number | 201945761 |
| Deed Book / Page | 5506 / 90 |
| Prior Transfer Date | Mar 15, 2019 |
| Prior Transfer Doc | 0055060090 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3230 CORD AVE, SAINT CLOUD, FL 34772-8194 |
| Transaction Type | Mortgage |
| Record Updated | Jan 09, 2026 |
| Name | Verified Name |
|---|---|
| Address | 3230 CORD AVE, SAINT CLOUD, FL 34772-8194 |
| Document Number | 0068980291 |
|---|---|
| Date | Dec 23, 2025 |
| Book Page | 6898/291 |
| Instrument | 2025156597 |
| Name | SPRING EQ LLC |
|---|---|
| Type | Mortgage Company |
| Address | CONSHOHOCKEN, PA 19428 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3230 CORD AVE, SAINT CLOUD, FL 34772-8194 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Name | Verified Name |
|---|---|
| Address | 3230 CORD AVE, SAINT CLOUD, FL 34772-8194 |
| Document Number | 0061790655 |
|---|---|
| Date | Mar 24, 2022 |
| Book Page | 6179/655 |
| Instrument | 2022047385 |
| Name | MISSION LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DIAMOND BAR, CA 91765 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2052 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Mar 19, 2021 |
| Property Address | 3230 CORD AVE, SAINT CLOUD, FL 34772-8194 |
| Document Number | 0059160039 |
| Book / Page | 5916 / 39 |
| Instrument Date | Feb 18, 2021 |
| Instrument | 2021041131 |
| Transaction Type | Transfer |
| Record Updated | Dec 12, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3607 ELOISE ST, ORLANDO, FL 32806-7241 |
| Name | Verified Name |
|---|---|
| Address | 3230 CORD AVE, SAINT CLOUD, FL 34772-8194 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Apr 11, 2019 |
| Property Address | 3230 CORD AVE, SAINT CLOUD, FL 34772-8194 |
| Document Number | 0055060090 |
| Book / Page | 005506 / 000090 |
| Instrument Date | Mar 15, 2019 |
| Instrument | 45761 |
| Transaction Type | Transfer |
| Record Updated | Apr 26, 2019 |
| Title Company | ENTITLE INSURANCE COMPANY, ENTITLE INS CO |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.70 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3230 CORD AVE ST CLOUD FL 347728194, ST CLOUD, FL 34772-8194 |
| Document Number | 55060093 |
|---|---|
| Date | Apr 11, 2019 |
| Book Page | 005506/000093 |
| Instrument | 45762 |
| Name | AMRES CORP |
|---|---|
| Address | FEASTERVILLE TREVOSE, PA 19053 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 10, 2049 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,745.00 (+5.98%) Homeowner's exemption | $187,545 (+5.99%) | $497,400 (+3.91%) Land $119,400 Building $378,000 |
| 2024 | $2,590.00 (+2.29%) | ||
| 2023 | $2,532.00 (+4.8%) Homeowner's exemption | $176,952 (+3%) | $478,700 (+19.59%) Land $119,400 Building $359,300 |
| 2022 | $2,416.00 Homeowner's exemption | $171,799 | $400,300 Land $94,600 Building $305,700 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), as of September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970433042, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 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 |
| Wildfire Risk | Moderate above 52% of the US · lower than 77% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Lumen Technologies Fiber | 2,000 / 1,000 |
| Xfinity Cable | 1,200 / 35 |
| Spectrum Cable | 1,000 / 1,000 |
May also be available: AT&T.
Based on FCC filings for 94 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System, water system FL3491373, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | ST. CLOUD, CITY OF (3 WPS) serves 82,752 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jul 2025 |
| Lead | 2 ppb (2023) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures