3265 Osceola Rd, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3265 Osceola Rd, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,498 sqft · built 2020
Lot Size	5 acres (217,800 sqft)
Owner	Individual Name on Record
Last Sale	$162,500 (Oct 2019)
Tax Bill	$8,086 (2025)
Deeds & Mortgages	May 2021 Mortgage Oct 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`117809`

Property Details

APN / Parcel Number

Primary APN	`117809`
Alternative APN	`302630460500010080`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	3,498 sqft Heated Area
Gross Area	5,125 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Exterior Material	Fiber Cement Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	217,800 sqft (5 acres)
Garage Type	Finished
Porch	Open Porch
Patio Area	270 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	117809
Street Address	3265 OSCEOLA RD
City	SAINT CLOUD
State	FL
Zip	34772-7672
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OAC
Legal Description	OSCEOLA GROVES PB 15 PG 160 LOT 8
Legal Range	30E
Legal Township	26S
Legal Section	30
Legal Subdivision	OSCEOLA GROVES
Legal Tract	4605
Legal Block	1
Legal Lot Number	8
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1006
Census Tract	43209

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	3265 OSCEOLA RD, SAINT CLOUD, FL 34772-7672
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 7, 2021	Deed of Trust, Mortgage · Conventional Mortgage THE MORTGAGE FIRM INC
Oct 29, 2019	Warranty Deed, Transfer · Conventional Mortgage WATERSTONE MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 29, 2019 · Amount on Record
Deed Sale	Oct 29, 2019 · Amount on Record
Prior Sale	Apr 16, 2015 · Amount on Record
Deed Document Number	2019140175
Deed Book / Page	5614 / 0048
Record Updated	Jun 8, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3265 OSCEOLA RD, SAINT CLOUD, FL 34772-7672
Transaction Type	Mortgage
Record Updated	Aug 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3265 OSCENLA ROAD, SAINT CLOUD, FL 34772-7672

Mortgage

Document Number	0059532467
Date	May 7, 2021
Book Page	5953/2467
Instrument	2021071011

Lender

Name	THE MORTGAGE FIRM INC
Type	Mortgage Company
Address	ALTAMONTE SPRINGS, FL 32714

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2051

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 29, 2019
Property Address	3265 OSCEOLA RD, SAINT CLOUD, FL 34772-7672
Document Number	0056140048
Book / Page	5614 / 0048
Map Reference	MB 15 PG 160
Instrument Date	Oct 28, 2019
Instrument	2019140175
Transaction Type	Transfer
Record Updated	Aug 1, 2022
Title Company	LAND TITLE PROFESSIONALS LLC

Transaction

Amount	Amount Recorded
Tax	$1,137.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 23737, COCOA, FL 32923

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2100 DAWSON CT, SAINT CLOUD, FL 34772-8246

Mortgage

Document Number	0056142625
Date	Oct 29, 2019
Instrument	5614/2625

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	373 Months
Due	Nov 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	5%
Adjustable	Adjustable Rate Rider
Type Change Date	Nov 1, 2027
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	7%
Index	1-Year LIBOR
Max Rate	11%

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	$8,086.00 (+6.23%) Homeowner's exemption	$573,113 (+5.99%)	$640,300 (+1.65%) Land $132,100 Building $508,200
2023	$7,612.00 (+3.54%) Homeowner's exemption	$540,740 (+3%)	$629,900 (+13.58%) Land $132,100 Building $497,800
2022	$7,352.00 Homeowner's exemption	$524,991	$554,600 Land $132,100 Building $422,500

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 136 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	136 in force
Nearby Flood Claims	4 (2011–2022)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Oct 2022 · Hurricane Ian
Claims by Event	Hurricane Ian, Oct 2022 · 2 claims

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	High above 80% of the US · above 69% of Florida
Wildfire Likelihood	0.6% 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 14 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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