Osceola County property record for 3270 Cord Ave, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,304 sqft · built 1986 |
| Lot Size | 1.32 acres (57,848 sqft) |
| Owner | Individual Name on File |
| Last Sale | $260,000 (Sep 2017) |
| Tax Bill | $2,983 (2025) |
| Deeds & Mortgages | Mar 2022 Mortgage Sep 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 88490 |
| Primary APN | 88490 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,304 sqft Heated Area |
| Gross Area | 2,128 sqft |
| 1st Floor Area | 1,304 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 2006 |
| Exterior Material | Combination |
| Construction Type | Frame |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 57,848 sqft (1.32 acres) |
| Garage Type | Detached - Unfinished |
| Garage Area | 768 sqft |
| Parking Spaces | 3 Parking Spaces |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Pool Area | 24 sqft |
| Porch | Open Porch |
| Porch Area | 56 sqft |
| Deck Area | 468 sqft |
| Patio Area | 312 sqft |
| Fence | Fence |
| Shed | 1 Shed |
| Shed Area | 448 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 88490 |
|---|---|
| Street Address | 3270 CORD AVE |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-8194 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | OAR2 |
| Legal Description | S L & I C PB B PG 13 BEG AT NE COR LOT 32, W 343.36 FT, S 165.82 FT, E 343.46 FT, N 165.73 FT TO POB |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 26 |
| Legal Subdivision | ST CLOUD MANOR EST 1 |
| Legal Tract | 4950 |
| Legal Block | 1 |
| Legal Lot Number | 32 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2026 |
| Census Tract | 43304 |
Source: Osceola County records · APN 88490
Assessment roll updated July 1, 2025 · Last verified December 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 File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 3270 CORD AVE, SAINT CLOUD, FL 34772-8194 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 23, 2022 | Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC |
| Sep 14, 2017 | Warranty Deed, Transfer · FHA Mortgage HOMEOWNERS FINANCIAL GROUP USA LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 14, 2017 · Amount on Record |
| Deed Sale | Sep 14, 2017 · Amount on Record |
| Prior Sale | Oct 20, 2015 · Amount on Record |
| Deed Document Number | 2017130494 |
| Deed Book / Page | 5207 / 2968 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3270 CORD AVE, SAINT CLOUD, FL 34772-8194 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Name | Verified Name |
|---|---|
| Address | 3270 CORD AVE, SAINT CLOUD, FL 34772-8194 |
| Document Number | 0061780075 |
|---|---|
| Date | Mar 23, 2022 |
| Book Page | 6178/75 |
| Instrument | 2022046319 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 349 Months |
| Due | Apr 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Sep 14, 2017 |
| Property Address | 3270 CORD AVE, SAINT CLOUD, FL 34772-8194 |
| Document Number | 0052072968 |
| Book / Page | 5207 / 2968 |
| Map Reference | MB B PG13 |
| Instrument Date | Sep 13, 2017 |
| Instrument | 2017130494 |
| Transaction Type | Transfer |
| Record Updated | Aug 01, 2022 |
| Title Company | STEWART TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,820.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4410 MILDRED BASS RD, 4410, SAINT CLOUD, FL 34772-8084 |
| Name | Verified Name |
|---|---|
| Address | 3270 CORD AVE, SAINT CLOUD, FL 34772-8194 |
| Document Number | 0052072969 |
|---|---|
| Date | Sep 14, 2017 |
| Instrument | 5207/2969 |
| Name | HOMEOWNERS FINANCIAL GROUP USA LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2047 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,983.00 (+8.12%) Homeowner's exemption | $204,782 (+5.99%) | $330,700 (+3.31%) Land $73,800 Building $256,900 |
| 2023 | $2,759.00 (+4.63%) Homeowner's exemption | $193,215 (+3%) | $320,100 (+17.81%) Land $73,800 Building $246,300 |
| 2022 | $2,637.00 Homeowner's exemption | $187,588 | $271,700 Land $58,400 Building $213,300 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), as of September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970433042, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 36 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 36 in force |
| Wildfire Risk | Moderate above 51% of the US · lower than 79% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Lumen Technologies Fiber | 2,000 / 1,000 |
| Xfinity Cable | 1,200 / 35 |
| Spectrum Cable | 1,000 / 1,000 |
May also be available: AT&T.
Based on FCC filings for 94 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System, water system FL3491373, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | ST. CLOUD, CITY OF (3 WPS) serves 82,752 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jul 2025 |
| Lead | 2 ppb (2023) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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