3304 Pekin St, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3304 Pekin St, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,332 sqft · built 2006
Lot Size	0.282 acres (12,327 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,745 (2025)
Deeds & Mortgages	Apr 2023 Line of Credit Jan 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`135957`

Property Details

APN / Parcel Number

Primary APN	`135957`
Alternative APN	`272630056200011020`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,332 sqft Heated Area
Gross Area	3,032 sqft
1st Floor Area	1,055 sqft
Upper Floors Area	1,277 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	12,327 sqft (0.282 acres)
Garage Type	Finished
Garage Area	410 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	202 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	135957
Street Address	3304 PEKIN ST
City	SAINT CLOUD
State	FL
Zip	34772-7771
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR1B
Legal Description	MALLARD POND PH 1 PB 17 PGS 127-131 LOT 102
Legal Range	30E
Legal Township	26S
Legal Section	27
Legal Subdivision	MALLARD POND PHASE 1 - 3
Legal Phase	1
Legal Tract	562
Legal Block	1
Legal Lot Number	102
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2001
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	2 Individual Names on Record
Mailing Address	3304 PEKIN ST, SAINT CLOUD, FL 34772-7771
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 26, 2023	Deed of Trust, Mortgage · Line of Credit ADDITION FINANCIAL CU
Jan 19, 2022	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Sep 9, 2017	Deed of Trust, Mortgage · FHA Mortgage MR COOPER

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 25, 2025
Deed Sale	Jul 25, 2025
Prior Sale	May 19, 2009
Deed Document Number	0068252394
Deed Book / Page	3836 / 2648
Record Updated	Jun 8, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3304 PEKIN ST, SAINT CLOUD, FL 34772-7771
Transaction Type	Mortgage
Record Updated	May 10, 2023
Title Company	PRIMERA TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3304 PEKIN ST, SAINT CLOUD, FL 34772-7771

Mortgage

Document Number	0063951709
Date	Apr 26, 2023
Book Page	6395/1709
Instrument	2023051142

Lender

Name	ADDITION FINANCIAL CU
Type	Credit Union
Address	LAKE MARY, FL 32746

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	420 Months
Due	Apr 25, 2058

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3304 PEKIN ST, SAINT CLOUD, FL 34772-7771
Transaction Type	Mortgage
Record Updated	Aug 1, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0061320259
Date	Jan 19, 2022
Book Page	6132/259
Instrument	2022009889

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3304 PEKIN ST, SAINT CLOUD, FL 34772-7771
Document Number	0052101584
Book / Page	005210 / 001584
Instrument Date	Sep 9, 2017
Transaction Type	Mortgage
Record Updated	Oct 24, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	3304 PEKIN ST ST CLOUD FL 347727771, ST CLOUD, FL 34772-7771

Mortgage

Document Number	0052101584
Date	Sep 20, 2017
Book Page	005210/001584
Instrument	133349

Lender

Name	MR COOPER
Address	DALLAS, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 19, 2047

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	$1,745.00 (+7.25%) Homeowner's exemption	$140,413 (+5.99%)	$338,500 (+4.77%) Land $70,000 Building $268,500
2023	$1,627.00 (+4.43%) Homeowner's exemption	$132,482 (+3%)	$323,100 (+15.06%) Land $60,000 Building $263,100
2022	$1,558.00 Homeowner's exemption	$128,624	$280,800 Land $55,000 Building $225,800

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 66 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	66 in force
Nearby Flood Claims	2 (2017–2024)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Oct 2024 · Hurricane Milton

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 57% of the US · lower than 70% 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 318 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber · DSL in parts of the area	2,000 / 1,000
Spectrum Cable	1,000 / 50

May also be available: AT&T, Xfinity.

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