3275 Cord Ave, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3275 Cord Ave, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,242 sqft · built 1984
Lot Size	4.76 acres (207,433 sqft)
Owner	2 Owner Names on File
Last Sale	$118,500 (Oct 1998)
Tax Bill	$3,940 (2025)
Deeds & Mortgages	Nov 2020 Mortgage Mar 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`87698`

Property Details

APN / Parcel Number

Primary APN	`87698`
Alternative APN	`252630495000010250`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,242 sqft Heated Area
Gross Area	1,962 sqft
1st Floor Area	2,458 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1984
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Footing
Roof Type	Flat
Roof Material	Composition Shingle
Lot Area	207,433 sqft (4.76 acres)
Garage Type	Mixed
Garage Area	384 sqft

Exterior Amenities

Pool Area	420 sqft
Porch	Porch
Porch Area	280 sqft
Deck Area	454 sqft
Patio Area	280 sqft
Shed	1 Shed
Shed Area	120 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	87698
Street Address	3275 CORD AVE
City	SAINT CLOUD
State	FL
Zip	34772-8195
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OA2M
Legal Description	S L & I C PB B PG 12 LOT 25
Legal Range	30E
Legal Township	26S
Legal Section	25
Legal Subdivision	ST CLOUD MANOR EST 1
Legal Tract	4950
Legal Block	1
Legal Lot Number	25
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1024
Census Tract	43304

Owner

Source: Osceola County assessment roll, as of July 1, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Owner Names on File
Mailing Address	3275 CORD AVE, SAINT CLOUD, FL 34772-8195
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Date	Document
Nov 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Mar 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
May 13, 2019	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Oct 22, 2018	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Oct 3, 2018	Loan Modification, Mortgage

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 23, 1998 · Amount on Record
Deed Sale	Oct 23, 1998 · Amount on Record
Prior Sale	Oct 23, 1998 · Amount on Record
Deed Document Number	0015450553
Deed Book / Page	25263
Last Transfer Date	Apr 14, 2003
Transfer Doc	0022301572
Record Updated	Jun 8, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3275 CORD AVE, SAINT CLOUD, FL 34772-8195
Transaction Type	Mortgage
Record Updated	Feb 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0058392430
Date	Nov 24, 2020
Book Page	5839/2430
Instrument	2020161205

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3275 CORD AVE, SAINT CLOUD, FL 34772-8195
Document Number	0056962708
Instrument Date	Mar 17, 2020
Transaction Type	Mortgage
Record Updated	Jun 9, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3275 CORD AVE ST CLOUD FL 347728195, ST CLOUD, FL 34772-8195

Mortgage

Document Number	0056962708
Date	Mar 23, 2020
Book Page	005696/002708
Instrument	41345

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Mar 22, 2040

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3275 CORD AVE, SAINT CLOUD, FL 34772-8195
Document Number	0055261111
Instrument Date	May 13, 2019
Transaction Type	Mortgage
Record Updated	Jun 4, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3275 CORD AVE ST CLOUD FL 347728195, ST CLOUD, FL 34772-8195

Mortgage

Document Number	0055261111
Date	May 20, 2019
Book Page	005526/001111
Instrument	64228

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 19, 2049

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3275 CORD AVE, SAINT CLOUD, FL 34772-8195
Document Number	0054241221
Instrument Date	Oct 22, 2018
Transaction Type	Mortgage
Record Updated	Nov 15, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3275 CORD AVE ST CLOUD FL 347728195, ST CLOUD, FL 34772-8195

Mortgage

Document Number	0054241221
Date	Oct 26, 2018
Book Page	005424/001221
Instrument	160526

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Oct 25, 2033

October 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OSCEOLA FL
Property Address	3275 CORD AVE, SAINT CLOUD, FL 34772-8195
Document Number	0054180625
Instrument Date	Oct 3, 2018
Transaction Type	Mortgage
Record Updated	Oct 31, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	3275 CORD AVE ST CLOUD FL 347728195, ST CLOUD, FL 34772-8195

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	$3,940.00 (+10.12%) Homeowner's exemption	$264,015 (+5%)	$434,800 (+7.78%) Land $167,400 Building $267,400
2023	$3,578.00 (-1.6%) Homeowner's exemption	$251,451 (+11.88%)	$403,400 (+13.57%) Land $149,300 Building $254,100
2022	$3,636.00 Homeowner's exemption	$224,759	$355,200 Land $144,800 Building $210,400

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 59 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	59 in force
Nearby Flood Claims	1 (2017)
Most Recent Claim	Sep 2017 · Hurricane Irma

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 51% of the US · lower than 79% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation at the parcel

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 94 locations within half a mile, as of December 31, 2025

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.

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