Osceola County property record for 3285 Zuni Rd, Saint Cloud, FL 34771
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.13 acres (5,662 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $478,000 (Oct 2026) |
| Tax Bill | $374 (2025) |
| Deeds & Mortgages | Oct 2026 Sale & Mortgage Aug 2026 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 04-25-31-5287-0001-1100 |
| Primary APN | 04-25-31-5287-0001-1100 |
|---|---|
| Alternative APN |
|
| Lot Area | 5,662 sqft (0.13 acres) |
|---|
| Street Address | 3285 ZUNI RD |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-8498 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SPRINGHEAD 1 AT BRIDGEWALK PB 36 PGS 67-74 LOT 110 |
| Legal Subdivision | SPRINGHEAD 1 AT BRIDGEWALK |
| Legal Lot Number | 110 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 43700 |
Source: Osceola County records, as of October 21, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 3285 ZUNI RD, SAINT CLOUD, FL 34771-8498 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Oct 12, 2026 | Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage LENNAR MORTGAGE LLC |
| Aug 24, 2026 | Special Warranty Deed, Transfer NONE LISTED ON DOCUMENT |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 12, 2026 · Amount on Record |
| Deed Sale | Oct 12, 2026 · Amount on Record |
| Prior Sale | Aug 24, 2026 · Amount on Record |
| Deed Document Number | 2026130780 |
| Deed Book / Page | 7047 / 577 |
| Record Updated | Oct 29, 2026 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Oct 12, 2026 |
| Property Address | 3285 ZUNI RD, SAINT CLOUD, FL 34771-8498 |
| Document Number | 0000130780 |
| Book / Page | 7047 / 577 |
| Instrument Date | Sep 24, 2026 |
| Instrument | 2026130780 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Oct 20, 2026 |
| Title Company | LENNAR TITLE INC, LENNAR TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $337,946.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3285 ZUNI RD, SAINT CLOUD, FL 34771-8498 |
| Document Number | 0000130781, |
|---|---|
| Date | Oct 12, 2026 |
| Instrument | 2026130781 |
| Name | LENNAR MORTGAGE LLC |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2056 |
| Max Rate | -1% |
|---|
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Aug 24, 2026 |
| Property Address | 3285 ZUNI RD, SAINT CLOUD, FL 34771-8498 |
| Document Number | 0000109479 |
| Book / Page | 7023 / 2136 |
| Instrument Date | Aug 19, 2026 |
| Instrument | 2026109479 |
| Transaction Type | Transfer |
| Record Updated | Sep 2, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,890,871.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Limited Liability Partnership |
| Investor | Possibly a Property Investor |
Source: Osceola County assessment roll, as of November 26, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $374.00 | $27,000 Land $27,000 | $27,000 Land $27,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 |
|---|---|
| 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 330 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 330 in force |
| Nearby Flood Claims | 18 (2004–2022) |
| Claims Outside the SFHA | 1 of 18 |
| Most Recent Claim | Oct 2022 · Hurricane Ian |
| Claims by Event |
|
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: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 81% of the US · above 71% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 85 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Cable | 1,200 / 35 |
| Spectrum Fiber · Cable in parts of the area | 1,000 / 1,000 |
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