3420 Barina St, Saint Cloud, FL 34769 Property Records

Osceola County property record for 3420 Barina St, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,987 sqft · built 2020
Lot Size	0.18 acres (7,840 sqft)
Owner	2 Individual Names on Record
Last Sale	$293,500 (Jul 2020)
Tax Bill	$4,069 (2025)
Deeds & Mortgages	Oct 2025 Line of Credit Jul 2020 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`14-26-30-0099-0001-0090`

Property Details

APN / Parcel Number

Primary APN	`14-26-30-0099-0001-0090`
Alternative APN	`263014009900010090`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,987 sqft Living Area
Gross Area	2,652 sqft
1st Floor Area	1,987 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Conventional
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,840 sqft (0.18 acres)
Garage Type	Attached
Garage Area	420 sqft
Porch	Florida Room
Patio Area	400 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3420 BARINA ST
City	SAINT CLOUD
State	FL
Zip	34769-5634
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CANOPY RESERVE PB 28 PGS 1-2 LOT 9
Legal Range	30E
Legal Township	26S
Legal Section	14
Legal Subdivision	CANOPY RESERVE
Legal Lot Number	9
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2019
Census Tract	43303

Owner

Source: Osceola County records, as of May 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	3420 BARINA ST, SAINT CLOUD, FL 34769-5634
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 13, 2025	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Jul 7, 2020	Grant Deed, Transfer · FHA Mortgage HOME SOLUTION LENDERS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 7, 2020 · Amount on Record
Deed Sale	Jul 7, 2020 · Amount on Record
Deed Document Number	202087327
Deed Book / Page	5750 / 741
Record Updated	Sep 20, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3420 BARINA ST, SAINT CLOUD, FL 34769-5634
Transaction Type	Mortgage
Record Updated	Oct 23, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3420 BARINA ST, SAINT CLOUD, FL 34769-5634

Mortgage

Document Number	0068632213
Date	Oct 13, 2025
Book Page	6863/2213
Instrument	2025126678

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	Oct 31, 2045

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 7, 2020
Property Address	3420 BARINA ST, SAINT CLOUD, FL 34769-5634
Document Number	0057500741
Book / Page	005750 / 000741
Instrument Date	Jul 1, 2020
Instrument	87327
Transaction Type	Transfer
Record Updated	Aug 26, 2020
Title Company	INNOVATIVE TITLE COMPANY LLC, INNOVATIVE TITLE CO LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,055.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3420 BARINA ST ST CLOUD FL 347695634, ST CLOUD, FL 34769-5634

Mortgage

Document Number	57500743
Date	Jul 7, 2020
Book Page	005750/000743
Instrument	87328

Lender

Name	HOME SOLUTION LENDERS
Type	Funding / Finance Company
Address	BARTOW, FL 33830

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 6, 2050

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 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	$4,069.00 (+3.64%) Homeowner's exemption Senior Citizen's exemption	$281,885 (+5.99%)	$362,200 (+4.71%) Land $67,000 Building $295,200
2024	$3,926.00 (+2.72%)
2023	$3,822.00 (+3.72%) Homeowner's exemption Senior Citizen's exemption	$265,963 (+3%)	$345,900 (+26.15%) Land $60,000 Building $285,900
2022	$3,685.00 Homeowner's exemption Senior Citizen's exemption	$258,217	$274,200 Land $45,000 Building $229,200

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 38 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	38 in force

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 63% of the US · lower than 61% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	None beyond ember reach

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

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

May also be available: CenturyLink.

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