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3395 Warwick Ln, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3395 Warwick Ln, Saint Cloud, FL 34772 · Last verified December 2025

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms2 Baths
Year BuiltBuilt 1988
Square Footage2,112 sqft Heated Area
Lot Size60,984 sqft (1.4 acres)
OccupancyOwner Occupied
Last Sale$320,000 (2015)
Tax Bill$5,086.00 (2025)

Property Details

APN / Parcel Number

Primary APN98231
Alternative APN
  • 292631495000010601

Interior

Bedrooms3 Beds
Full Baths2 Baths
Building Area2,112 sqft Heated Area
Gross Area3,732 sqft Gross Area
1st Floor2,112 sqft 1st Floor
Stories1 Stories
Primary FlooringCarpet Flooring
Interior StructureWallboard/Drywall Interior Structure
FireplaceFireplace
Fireplaces1 Fireplaces

Exterior

Year BuiltBuilt 1988
Exterior MaterialConcrete Block Exterior
Foundation TypeFooting Foundation
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area60,984 sqft (1.4 acres)
Depth X Width312 ft x 195 ft Depth x Width
Parking Spaces4 Parking Spaces
Garage TypeFinished Garage
Garage Area546 sqft Garage

Exterior Amenities

Deck Area524 sqft Deck
PorchFinished/Screened Porch
Porch Area498 sqft Porch
Boat AccessBoat Access
Boat House264 sqft Boat House

Utilities and HVAC

Cooling SystemA/C Package Cooling
Heating SystemHVAC Heating

Location & Zoning

Account Number98231
Street Address3395 WARWICK LN
CitySAINT CLOUD
StateFL
Zip34772-7811
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionS L & I C PB B PG 51 COM SW COR LOT 59, E 747.18 FT TO PT IN ALLIGATOR LAKE, N 158.1 FT TO POB; SWLY 160.83 FT, W 230.12 FT
Legal Range31E
Legal Township26S
Legal Section29
Legal SubdivisionWATERFRONT ALLIGATOR LAKE
Legal Tract4950
Legal Block1
Legal Lot Number59-60
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup1
Census Block1039
Census Tract43301

Owner

Source: Osceola County records · APN 98231

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 Record2 Individual Names on File
Mailing Address3395 WARWICK LN, SAINT CLOUD, FL 34772-7811
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Dec 04, 2017Loan Modification, Mortgage · Conventional Mortgage
CENTERSTATE BK NA
Jul 10, 2017Deed of Trust, Mortgage · Line of Credit
CENTERSTATE BK/FL

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJul 20, 2015 · Amount on Record
Deed SaleJul 20, 2015 · Amount on Record
Prior SaleMay 18, 2001
Deed Doc Number2015103659
Deed Book / Page4811 / 1143
Record RefreshedJun 08, 2026

December 2017: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionOSCEOLA FL
Property Address3395 WARWICK LN, SAINT CLOUD, FL 34772-7811
Document Number0052572510
Book / Page005257 / 002510
Instrument DateDec 04, 2017
Transaction TypeMortgage
Record UpdatedJan 15, 2018

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband And Wife
Address3395 WARWICK LN ST CLOUD FL 347727811, ST CLOUD, FL 34772-7811

Mortgage

Document Number0052572510
DateDec 20, 2017
Book Page005257/002510
Instrument181766
Lender
NameCENTERSTATE BK NA
TypeBank
AddressSAINT CLOUD, FL 34769
Agreement
TypeConventional Mortgage
AmountAmount Recorded

July 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address3395 WARWICK LN, SAINT CLOUD, FL 34772-7811
Document Number0051861512
Book / Page005186 / 001512
Instrument DateJul 10, 2017
Transaction TypeMortgage
Record UpdatedAug 25, 2017

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband And Wife
Address3395 WARWICK LN ST CLOUD FL 347727811, ST CLOUD, FL 34772-7811

Mortgage

Document Number0051861512
DateJul 31, 2017
Book Page005186/001512
Instrument110031
Lender
NameCENTERSTATE BK/FL
TypeBank
AddressSAINT CLOUD, FL 34769
Agreement
TypeLine of Credit
AmountAmount Recorded
Term120 Months
DueJul 30, 2027
Interest
Rate TypeAdjustable Rate

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2025$5,086.00 (+6.98%) Homeowner's exemption Disabled Person's exemption Veteran's exemption$361,516 (+5.99%)$395,600 (+1.23%) Land $175,500 Building $220,100
2023$4,754.00 (+3.96%) Homeowner's exemption Disabled Person's exemption Veteran's exemption$341,096 (+3%)$390,800 (+8.77%) Land $175,500 Building $215,300
2022$4,573.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption$331,162$359,300 Land $175,500 Building $183,800

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone AE
Flood HazardHigh
100-Year FloodplainYes
1% annual chance
Special Flood Hazard AreaYes
Flood Insurance RequirementRequired (federally backed mortgages)
FloodwayNo
Base Flood Elevation66.0 ft

Wildfire

Wildfire RiskModerate
above 59% of the US · above 31% of Florida
Wildfire LikelihoodAbout 1 in 581 per year
ExposureDirect
burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

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