3235 Cord Ave, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3235 Cord Ave, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,535 sqft · built 1999
Lot Size	4.63 acres (202,075 sqft)
Owner	Individual Name on Record
Last Sale	$725,000 (Dec 2024)
Tax Bill	$3,788 (2025)
Deeds & Mortgages	Dec 2024 Sale Nov 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`87717`

Property Details

APN / Parcel Number

Primary APN	`87717`
Alternative APN	`252630507000010090`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,535 sqft Heated Area
Gross Area	3,995 sqft
1st Floor Area	2,535 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1999
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	202,075 sqft (4.63 acres)
Garage Type	Mixed
Garage Area	575 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	448 sqft
Deck Area	480 sqft
Patio Area	320 sqft
Shed	1 Shed
Shed Area	288 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	87717
Street Address	3235 CORD AVE
City	SAINT CLOUD
State	FL
Zip	34772-8195
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OA2M
Legal Description	ST CLOUD MANOR EST UNIT 1 PB 1 PG 363 LOT 9 LESS W 5 FT
Legal Range	30E
Legal Township	26S
Legal Section	25
Legal Subdivision	ST CLOUD MANOR EST 1
Legal Tract	5070
Legal Block	1
Legal Lot Number	9
Legal Unit	1P
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1024
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	3235 CORD AVE, SAINT CLOUD, FL 34772-8195
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 31, 2024	Warranty Deed, Transfer STEWART TITLE COMPANY-F, STEWART TITLE COMPANY
Nov 3, 2017	Deed of Trust, Mortgage · Line of Credit BRANCH BK&TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 31, 2024 · Amount on Record
Deed Sale	Dec 31, 2024 · Amount on Record
Prior Sale	Jan 16, 1996 · Amount on Record
Deed Document Number	2024164228
Deed Book / Page	6718 / 2298
Record Updated	Jun 8, 2026

December 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 31, 2024
Property Address	3235 CORD AVE, SAINT CLOUD, FL 34772-8195
Document Number	0067182298
Book / Page	6718 / 2298
Map Reference	MB 1 PG 363
Instrument Date	Dec 26, 2024
Instrument	2024164228
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Tax	$5,075.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	580 SPECK RD, LEBANON, TN 37087-7391

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3235 CORD AVE, SAINT CLOUD, FL 34772-8195

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3235 CORD AVE, SAINT CLOUD, FL 34772-8195
Document Number	0052441769
Book / Page	005244 / 001769
Instrument Date	Nov 3, 2017
Transaction Type	Mortgage
Record Updated	Jan 3, 2018
Title Company	DATA SEARCH INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3235 CORD AVE ST CLOUD FL 347728195, ST CLOUD, FL 34772-8195

Mortgage

Document Number	0052441769
Date	Nov 27, 2017
Book Page	005244/001769
Instrument	168290

Lender

Name	BRANCH BK&TR
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Nov 26, 2042

Interest

Rate Type	Adjustable Rate

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	$3,788.00 (+36.65%) Homeowner's exemption	$262,859 (+11.25%)	$538,900 (+7.18%) Land $171,600 Building $367,300
2023	$2,772.00 (+5.32%) Homeowner's exemption	$236,271 (+3%)	$502,800 (+12.71%) Land $153,100 Building $349,700
2022	$2,632.00 Homeowner's exemption	$229,390	$446,100 Land $148,400 Building $297,700

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 59 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	59 in force
Nearby Flood Claims	1 (2017)
Most Recent Claim	Sep 2017 · Hurricane Irma

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 53% of the US · lower than 75% of Florida
Wildfire Likelihood	0.2% 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-POINCIANA SYSTEM public/private · serves 69,447 people · EPA ID FL3494429
Water Source	Groundwater
Last State Inspection	Mar 2024
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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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