3250 Toscana Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3250 Toscana Dr, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,092 sqft · built 2016
Lot Size	0.105 acres (4,617 sqft)
Owner	Individual Name on Record
Last Sale	$281,300 (Aug 2016)
Tax Bill	$4,224 (2025)
Deeds & Mortgages	Jan 2023 Line of Credit Feb 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`148745`

Property Details

APN / Parcel Number

Primary APN	`148745`
Alternative APN	`272630291900010710`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	3,092 sqft Heated Area
Gross Area	3,747 sqft
1st Floor Area	1,328 sqft
Upper Floors Area	1,764 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2016
Exterior Material	Concrete Block
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	214 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	148745
Street Address	3250 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 71 ORD# 2015-06
Legal Range	30E
Legal Township	26S
Legal Section	27
Legal Subdivision	VILLAGIO
Legal Tract	2919
Legal Block	1
Legal Lot Number	71
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	3250 TOSCANA DR, SAINT CLOUD, FL 34772-6709
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 27, 2023	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Feb 1, 2021	Deed of Trust, Mortgage · FHA Mortgage AMERIFIRST FINANCIAL CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 25, 2016 · Amount on Record
Deed Sale	Aug 25, 2016 · Amount on Record
Prior Sale	May 10, 2016 · Amount on Record
Deed Document Number	2016129714
Deed Book / Page	5014 / 0470
Record Updated	Jun 8, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3250 TOSCANA DR, SAINT CLOUD, FL 34772-6709
Transaction Type	Mortgage
Record Updated	Feb 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3250 TOSCANA DR, SAINT CLOUD, FL 34772-6709

Mortgage

Document Number	0063500868
Date	Jan 27, 2023
Book Page	6350/868
Instrument	2023010952

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Jan 14, 2063

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3250 TOSCANA DR, SAINT CLOUD, FL 34772-6709
Transaction Type	Mortgage
Record Updated	Jan 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3250 TOSCANA DR, SAINT CLOUD, FL 34772-6709

Mortgage

Document Number	0058802818
Date	Feb 1, 2021
Book Page	5880/2818
Instrument	2021013725

Lender

Name	AMERIFIRST FINANCIAL CORP
Type	Funding / Finance Company
Address	PORTAGE, MI 49002

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2051

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	$4,224.00 (+6.16%) Homeowner's exemption	$278,879 (+5.99%)	$430,500 (+2.97%) Land $65,000 Building $365,500
2023	$3,979.00 (+3.51%) Homeowner's exemption	$263,127 (+3%)	$418,100 (+16.89%) Land $60,000 Building $358,100
2022	$3,844.00 Homeowner's exemption	$255,464	$357,700 Land $60,000 Building $297,700

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.

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