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3440 Imperial Ave, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3440 Imperial Ave, Saint Cloud, FL 34772

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,458 sqft · built 2020
Lot Size2.14 acres (93,218 sqft)
OwnerIndividual Name on Record
Last Sale$89,000 (Jun 2019)
Tax Bill$4,470 (2025)
Deeds & MortgagesOct 2022 Line of Credit
Dec 2019 Construction Loan
+ 3 more
Flood ZoneZone A (high risk)
APN25-26-30-5080-0001-0930

Property Details

APN / Parcel Number

Primary APN25-26-30-5080-0001-0930
Alternative APNs
  • 263025508000010930
  • 87829

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,458 sqft Living Area
Gross Area2,166 sqft
1st Floor Area1,458 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2020
Effective Year BuiltEffective 2020
Architectural StyleCustom Design
Exterior MaterialConcrete Block
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area93,218 sqft (2.14 acres)
Garage Area2,160 sqft
PorchFinished/Open Porch
Patio Area400 sqft
Utility Building242 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address3440 IMPERIAL AVE
CitySAINT CLOUD
StateFL
Zip34772-8070
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeOAC
Legal DescriptionST CLOUD MANOR EST 2 PB 1 PG 365 W 1/2 OF LOT 93 LESS W 5 FT & N 25 FT FOR R/W
Legal Range30E
Legal Township26S
Legal Section25
Legal SubdivisionST CLOUD MANOR ESTATES UNIT 2
Legal Tract5080
Legal Block930
Legal Lot Number93
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1044
Census Tract43304

Owner

Source: Osceola County records, as of November 26, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on Record
Mailing Address3440 IMPERIAL AVE, SAINT CLOUD, FL 34772-8070
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Oct 6, 2022Deed of Trust, Mortgage · Line of Credit
SOUTH STATE BANK NA
Dec 30, 2019Deed of Trust, Mortgage · Construction Mortgage
CENTERSTATE BANK NA
Jul 6, 2020Loan Modification, Mortgage
WATERSTONE MTG CORP
Dec 10, 2019Deed of Trust, Construction Loan · Construction Mortgage
WATERSTONE MTG CORP
Jun 17, 2019Warranty Deed, Transfer
INTEGRITY FIRST TITLE

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJun 17, 2019 · Amount on Record
Deed SaleJun 17, 2019 · Amount on Record
Prior SaleAug 6, 2013 · Amount on Record
Deed Document Number201977972
Deed Book / Page5542 / 1601
Prior Transfer DateMar 7, 2008
Prior Transfer Doc0036822223
Record UpdatedJun 8, 2026

October 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address3440 IMPERIAL AVE, SAINT CLOUD, FL 34772-8070
Transaction TypeMortgage
Record UpdatedDec 12, 2025

Transferred To (Grantee/Buyer)

NameVerified Name
Address3440 IMPERIAL AVE, SAINT CLOUD, FL 34772-8070

Mortgage

Document Number0062952854
DateOct 6, 2022
Book Page6295/2854
Instrument2022148835
Lender
NameSOUTH STATE BANK NA
TypeBank
AddressWINTER HAVEN, FL 33880
Agreement
TypeLine of Credit
AmountAmount Recorded
Term179 Months
DueSep 29, 2037

December 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address3440 IMPERIAL AVE, SAINT CLOUD, FL 34772-8070
Transaction TypeMortgage
Record UpdatedAug 1, 2022
Title CompanySTEWART TITLE

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0056482789
DateDec 30, 2019
Book Page5648/2789
Instrument2019168345
Lender
NameCENTERSTATE BANK NA
TypeBank
AddressWINTER HAVEN, FL 33881
Agreement
TypeConstruction Mortgage
AmountAmount Recorded
Term373 Months
DueJan 1, 2051

July 2020: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionOSCEOLA FL
Property Address3440 IMPERIAL AVE, SAINT CLOUD, FL 34772-8070
Document Number0057551889
Instrument DateJul 6, 2020
Transaction TypeMortgage
Record UpdatedAug 25, 2020
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address3454 IMPERIAL AVE ST CLOUD FL 34772, ST CLOUD, FL 34772

Mortgage

Document Number0057551889
DateJul 16, 2020
Book Page005755/001889
Instrument92701
Lender
NameWATERSTONE MTG CORP
TypeMortgage Company
AddressPEWAUKEE, WI 53072
Agreement
AmountAmount Recorded
Term360 Months
DueJul 15, 2050
Interest
Rate TypeFixed Rate
Rate3.5%

December 2019: Deed of Trust, Construction Loan

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Recording DateDec 10, 2019
Property Address3440 IMPERIAL AVE, SAINT CLOUD, FL 34772-8070
Document Number0056372872
Book / Page005637 / 002872
Instrument DateDec 6, 2019
Instrument159948
Transaction TypeConstruction Loan
Record UpdatedAug 25, 2020
Title CompanyOTHER

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
AddressIMPERIAL AVE ST CLOUD FL 34772, ST CLOUD, FL 34772

Mortgage

Document Number56372872
DateDec 10, 2019
Book Page005637/002872
Instrument159948
Lender
NameWATERSTONE MTG CORP
TypeMortgage Company
AddressPEWAUKEE, WI 53072
Agreement
TypeConstruction Mortgage
AmountAmount Recorded
Term384 Months
DueDec 9, 2051

June 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateJun 17, 2019
Property Address3440 IMPERIAL AVE, SAINT CLOUD, FL 34772-8070
Document Number0055421601
Book / Page005542 / 001601
Instrument DateJun 14, 2019
Instrument77972
Transaction TypeTransfer
Record UpdatedJun 28, 2019
Title CompanyINTEGRITY FIRST TITLE

Transaction

AmountAmount Recorded
Tax$623.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address2923 CLAY WHALEY RD ST CLOUD FL 347727651, ST CLOUD, FL 34772-7651

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$4,470.00 (+4.9%) Homeowner's exemption$312,095 (+16.85%)$351,800 (+12.97%) Land $108,100 Building $243,700
2024$4,261.00 (+12.43%)
2023$3,790.00 (+4.15%) Homeowner's exemption$267,079 (+3%)$311,400 (+20.09%) Land $107,000 Building $204,400
2022$3,639.00 Homeowner's exemption$259,300 Land $85,600 Building $173,700$259,300 Land $85,600 Building $173,700

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 ZoneZone A
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood ElevationNot determined for this zone
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on Record
median of 59 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies59 in force
Nearby Flood Claims1 (2017)
Most Recent ClaimSep 2017 · Hurricane Irma

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 RiskModerate
above 52% of the US · lower than 77% of Florida
Wildfire Likelihood0.2% annual chance
ExposureNone
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 SystemTOHO WATER AUTHORITY-POINCIANA SYSTEM
public/private · serves 69,447 people · EPA ID FL3494429
Water SourceGroundwater
Last State InspectionMar 2024
LeadUnder 1 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 47 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
CenturyLink
Fiber		2,000 / 1,000
Xfinity
Cable		1,200 / 35
Verizon
Fixed Wireless		300 / 20

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