3254 Olivera Way, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3254 Olivera Way, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,515 sqft · built 2015
Lot Size	0.123 acres (5,401 sqft)
Owner	Individual Name on File
Last Sale	$202,800 (Feb 2016)
Tax Bill	$2,575 (2025)
Deeds & Mortgages	Jan 2021 Mortgage Oct 2022 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`148733`

Property Details

APN / Parcel Number

Primary APN	`148733`
Alternative APN	`272630291900010590`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,515 sqft Heated Area
Gross Area	1,988 sqft
1st Floor Area	1,515 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2015
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	5,401 sqft (0.123 acres)
Garage Type	Finished
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	32 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	148733
Street Address	3254 OLIVERA WAY
City	SAINT CLOUD
State	FL
Zip	34772-6707
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD
Legal Description	VILLAGIO PB 19 PG 43-45 LOT 59 ORD# 2015-06
Legal Range	30E
Legal Township	26S
Legal Section	27
Legal Subdivision	VILLAGIO
Legal Tract	2919
Legal Block	1
Legal Lot Number	59
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1020
Census Tract	43207

Owner

3254 Olivera Way is owned and occupied by an individual who bought it in February 2016.

Source: Osceola County records, as of December 11, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	3254 OLIVERA WAY, SAINT CLOUD, FL 34772-6707
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jan 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Oct 28, 2022	Deed of Trust, Mortgage · Line of Credit TRUSTCO BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 8, 2016 · Amount on File
Deed Sale	Feb 8, 2016 · Amount on File
Prior Sale	Sep 3, 2015 · Amount on File
Deed Document Number	2016018222
Deed Book / Page	4910 / 1001
Record Updated	Jun 8, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3254 OLIVERA WAY, SAINT CLOUD, FL 34772-6707
Transaction Type	Mortgage
Record Updated	Jan 11, 2023
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3254 OLIVERA WAY, SAINT CLOUD, FL 34772-6707

Mortgage

Document Number	0058731111
Date	Jan 19, 2021
Book Page	5873/1111
Instrument	2021008290

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Feb 1, 2036

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3254 OLIVERA WAY, SAINT CLOUD, FL 34772-6707
Transaction Type	Mortgage
Record Updated	Jan 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3254 OLIVERA WAY, SAINT CLOUD, FL 34772-6707

Mortgage

Document Number	0063072210
Date	Oct 28, 2022
Book Page	6307/2210
Instrument	2022159508

Lender

Name	TRUSTCO BANK
Type	Bank
Address	LONGWOOD, FL 32750

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Oct 24, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 3254 Olivera Way was $2,575 with a homeowner's exemption.

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	$2,575.00 Homeowner's exemption	$186,754	$281,500 Land $65,000 Building $216,500
2023	$2,414.00 (+3.92%) Homeowner's exemption	$176,205 (+3%)	$272,200 (+15.1%) Land $60,000 Building $212,200
2022	$2,323.00 Homeowner's exemption	$171,073	$236,500 Land $60,000 Building $176,500

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 3254 Olivera Way in Zone X, an area of minimal flood risk.

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 File 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

Wildfire risk around 3254 Olivera Way is moderate, ranking above 56% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 56% of the US · lower than 71% of Florida
Wildfire Likelihood	0.1% 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	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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