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3431 Home Town Ln, Saint Cloud, FL 34769 Property Records

Osceola County property record for 3431 Home Town Ln, Saint Cloud, FL 34769 · Last verified December 2025

Property Summary

Property TypeTownhouse
Details3 bd · 3 ba · 1,926 sqft · built 2005
Lot Size0.057 acres (2,526 sqft)
OwnerIndividual Name on File
Last Sale$200,000 (Sep 2020)
Tax Bill$4,864 (2025)
Deeds & MortgagesSep 2020 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN127520

Property Details

APN / Parcel Number

Primary APN127520
Alternative APN
  • 032630085100010370

Interior

Bedrooms3 Beds
Full Baths3 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area1,926 sqft Heated Area
Gross Area2,630 sqft
1st Floor Area1,195 sqft
Upper Floors Area731 sqft
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2005
Exterior MaterialFiber Cement Siding
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area2,526 sqft (0.057 acres)
Garage TypeFinished
Garage Area314 sqft
Parking Spaces1 Parking Space
PorchFinished/Screened Porch
Porch Area390 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Account Number127520
Street Address3431 HOME TOWN LN
CitySAINT CLOUD
StateFL
Zip34769-1917
Property CategoryResidential
Property TypeResidential > Condominium / Townhouse > Townhouse
Legal DescriptionTOWN CENTER VILLAS PB 17 PGS 44-45 LOT 37
Legal Range30E
Legal Township26S
Legal Section03
Legal SubdivisionTOWN CENTER VILLAS
Legal Tract851
Legal Block1
Legal Lot Number37
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group2
Census Block2004
Census Tract43203

Owner

Source: Osceola County records · APN 127520

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 RecordIndividual Name on File
Mailing AddressPO BOX 450373, KISSIMMEE, FL 34745-0373
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleSep 09, 2020 · Amount on Record
Deed SaleSep 09, 2020 · Amount on Record
Deed Document Number2020119848
Deed Book / Page5790 / 288
Record UpdatedJun 08, 2026

September 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateSep 09, 2020
Property Address3431 HOME TOWN LN, SAINT CLOUD, FL 34769-1917
Document Number0057900288
Book / Page5790 / 288
Map ReferenceMB 17 PG 44
Instrument DateSep 04, 2020
Instrument2020119848
Transaction TypeTransfer
Record UpdatedFeb 08, 2022
Title CompanyLAND TITLE PROFESSIONALS LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,400.00
Amount AccuracyRounded by County
Additional
  • Lis Pendens
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address112 VALENCIA LN, 112, DAVENPORT, FL 33837-3843

Transferred To (Grantee/Buyer)

NameVerified Name
Address3431 HOME TOWN LN, SAINT CLOUD, FL 34769-1917

Mortgage

Document Number0005790292
DateSep 09, 2020
Instrument5790/292
Lender
NameTHE MORTGAGE FIRM INC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueOct 01, 2050

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
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$4,864.00 (+13.01%)$288,900 (+1.33%) Land $38,000 Building $250,900$288,900 (+1.33%) Land $38,000 Building $250,900
2023$4,304.00 (+17.98%)$285,100 (+35.44%) Land $14,900 Building $270,200$285,100 (+35.44%) Land $14,900 Building $270,200
2022$3,648.00$210,500 Land $14,900 Building $195,600$210,500 Land $14,900 Building $195,600

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970432032, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 71 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies71 in force
Nearby Flood Claims2 (2017)
Claims Outside the SFHA1 of 2
Most Recent ClaimSep 2017, Hurricane Irma
Claims By Storm
  • Hurricane Irma, Sep 2017 · 2 claims

Wildfire

Wildfire RiskLow
above 20% of the US · above 7% of Florida
Wildfire LikelihoodAbout 1 in 2,778 per year
ExposureDirect
burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 263 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
SpectrumCable1,000 / 1,000
StarlinkSatellite (low-earth orbit)280 / 30

May also be available at this address: AT&T, Lumen Technologies. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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