3248 Toscana Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3248 Toscana Dr, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,008 sqft · built 2017
Lot Size	0.105 acres (4,617 sqft)
Owner	Individual Name on Record
Last Sale	$430,000 (Apr 2025)
Tax Bill	$4,167 (2025)
Deeds & Mortgages	Feb 2022 Mortgage Jan 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`148746`

Property Details

APN / Parcel Number

Primary APN	`148746`
Alternative APN	`272630291900010720`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,008 sqft Heated Area
Gross Area	3,573 sqft
1st Floor Area	1,328 sqft
Upper Floors Area	1,680 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	4,617 sqft (0.105 acres)
Lot Dimensions	92 ft deep x 50 ft wide
Garage Type	Finished
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	124 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	148746
Street Address	3248 TOSCANA DR
City	SAINT CLOUD
State	FL
Zip	34772-6709
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD
Legal Description	VILLAGIO PB 19 PG 43-45 LOT 72 ORD# 2015-06
Legal Range	30E
Legal Township	26S
Legal Section	27
Legal Subdivision	VILLAGIO
Legal Tract	2919
Legal Block	1
Legal Lot Number	72
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1015
Census Tract	43207

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
Mailing Address	3248 TOSCANA DR, SAINT CLOUD, FL 34772-6709
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 14, 2022	Deed of Trust, Mortgage · FHA Mortgage ZILLOW HOME LOANS LLC
Jan 10, 2020	Deed of Trust, Mortgage · FHA Mortgage MORTGAGE SOLUTIONS OF COLORADO LLC
Jul 31, 2017	Grant Deed, Transfer · FHA Mortgage MORTGAGE SOLUTIONS/CO
Apr 25, 2017	Warranty Deed, Transfer COMMUNITY FIRST TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 17, 2025 · Amount on Record
Deed Sale	Apr 17, 2025 · Amount on Record
Prior Sale	Jul 31, 2017 · Amount on Record
Deed Document Number	2025049276
Deed Book / Page	6773 / 1960
Record Updated	Jun 8, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3248 TOSCANA DR, SAINT CLOUD, FL 34772-6709
Transaction Type	Mortgage
Record Updated	Mar 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3248 TOSCANA DR, SAINT CLOUD, FL 34772-6709

Mortgage

Document Number	0061500167
Date	Feb 14, 2022
Book Page	6150/167
Instrument	2022024324

Lender

Name	ZILLOW HOME LOANS LLC
Type	Mortgage Company
Address	LEAWOOD, KS 66211

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3248 TOSCANA DR, SAINT CLOUD, FL 34772-6709
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0056551941
Date	Jan 10, 2020
Book Page	5655/1941
Instrument	2020004609

Lender

Name	MORTGAGE SOLUTIONS OF COLORADO LLC
Type	Mortgage Company
Address	COLORADO SPRINGS, CO 80918

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2050

July 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 31, 2017
Property Address	3248 TOSCANA DR, SAINT CLOUD, FL 34772-6709
Document Number	0051861724
Book / Page	005186 / 001724
Instrument Date	Jul 28, 2017
Instrument	110113
Transaction Type	Transfer
Record Updated	Aug 25, 2017
Title Company	NVR SETTLEMENT SERVICES INC, NVR SETTLEMENT SVCS INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,861.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3248 TOSCANA DR ST CLOUD FL 347726709, ST CLOUD, FL 34772-6709

Mortgage

Document Number	51861726
Date	Jul 31, 2017
Book Page	005186/001726
Instrument	110114

Lender

Name	MORTGAGE SOLUTIONS/CO
Type	Mortgage Company
Address	COLORADO SPRINGS, CO 80918

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 30, 2047

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 25, 2017
Property Address	3248 TOSCANA DR, SAINT CLOUD, FL 34772-6709
Document Number	0051370967
Book / Page	005137 / 000967
Instrument Date	Apr 10, 2017
Instrument	60995
Transaction Type	Transfer
Record Updated	May 26, 2017
Title Company	COMMUNITY FIRST TITLE

Transaction

Amount	Amount Recorded
Tax	$343.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	4307 VINELAND RD #H20 ORLANDO FL 328117374, H20, ORLANDO, FL 32811-7374
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
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	$4,167.00 (+6.14%) Homeowner's exemption	$275,722 (+5.99%)	$423,500 (+3.02%) Land $65,000 Building $358,500
2023	$3,926.00 (+4%) Homeowner's exemption	$260,148 (+3.4%)	$411,100 (+17.19%) Land $60,000 Building $351,100
2022	$3,775.00 Homeowner's exemption	$251,600	$350,800 Land $60,000 Building $290,800

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 X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 46% of the US · lower than 82% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Nearby Properties on Toscana Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures