3257 Toscana Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3257 Toscana Dr, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,048 sqft · built 2016
Lot Size	0.389 acres (16,988 sqft)
Owner	Individual Name on Record
Last Sale	$229,900 (Aug 2016)
Tax Bill	$3,194 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Mar 2018 Loan Modification + 1 more
Flood Zone	Zone X (minimal risk)
APN	`272630540800010320`

Property Details

APN / Parcel Number

Primary APN	`272630540800010320`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,048 sqft Heated Area
Gross Area	2,581 sqft
1st Floor Area	2,048 sqft
Flooring	Carpet
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	16,988 sqft (0.389 acres)
Garage Type	Finished
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	113 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3257 TOSCANA DR
City	SAINT CLOUD
State	FL
Zip	34772-6708
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	VILLAGIO REPLAT 1 PB 24 PG 31 LOT 32
Legal Range	30E
Legal Township	26S
Legal Section	27
Legal Subdivision	VILLAGIO
Legal Tract	5408
Legal Lot Number	32
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1013
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
Co-owner	Co-owner on Record
Mailing Address	3257 TOSCANA DR, SAINT CLOUD, FL 34772-6708
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 8, 2021	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC
Mar 9, 2018	Loan Modification, Mortgage · Conventional Mortgage PENNYMAC
Mar 9, 2018	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 19, 2016 · Amount on Record
Deed Sale	Aug 19, 2016 · Amount on Record
Deed Document Number	2016126750
Deed Book / Page	5011 / 1361
Record Updated	Jun 8, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3257 TOSCANA DR, SAINT CLOUD, FL 34772-6708
Transaction Type	Mortgage
Record Updated	May 4, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3257 TOSCANA DR, SAINT CLOUD, FL 34772-6708

Mortgage

Document Number	0059302928
Date	Apr 8, 2021
Book Page	5930/2928
Instrument	2021052822

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	MOORPARK, CA 93021

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Mar 1, 2051

March 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OSCEOLA FL
Property Address	3257 TOSCANA DR, SAINT CLOUD, FL 34772-6708
Document Number	0053201100
Instrument Date	Mar 9, 2018
Transaction Type	Mortgage
Record Updated	Nov 21, 2018
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3257 TOSCANA DR ST CLOUD FL 347726708, ST CLOUD, FL 34772-6708

Mortgage

Document Number	0053201100
Date	Apr 20, 2018
Book Page	005320/001100
Instrument	62452

Lender

Name	PENNYMAC
Address	MOORPARK, CA 93021

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 19, 2048

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3257 TOSCANA DR, SAINT CLOUD, FL 34772-6708
Document Number	0053151870
Instrument Date	Mar 9, 2018
Transaction Type	Mortgage
Record Updated	May 23, 2018
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3257 TOSCANA DR ST CLOUD FL 347726708, ST CLOUD, FL 34772-6708

Mortgage

Document Number	0053151870
Date	Apr 12, 2018
Book Page	005315/001870
Instrument	57457

Lender

Name	HUD-HOUSING/URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 11, 2048

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	$3,194.00 (+6.4%) Homeowner's exemption	$221,336 (+5.99%)	$331,100 (+3.08%) Land $65,000 Building $266,100
2023	$3,002.00 (+3.73%) Homeowner's exemption	$208,834 (+3%)	$321,200 (+15.54%) Land $60,000 Building $261,200
2022	$2,894.00 Homeowner's exemption	$202,752	$278,000 Land $60,000 Building $218,000

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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