Osceola County property record for 3445 Cord Ave, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,132 sqft · built 2021 |
| Lot Size | 4.6 acres (200,637 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $140,000 (Apr 2021) |
| Tax Bill | $4,673 (2025) |
| Deeds & Mortgages | Apr 2021 Sale & Mortgage Aug 2019 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 87800 |
| Primary APN | 87800 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,132 sqft Heated Area |
| Gross Area | 3,374 sqft |
| 1st Floor Area | 1,152 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2021 |
|---|---|
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 200,637 sqft (4.6 acres) |
| Garage Type | Finished |
| Pool Area | 28 sqft |
| Porch | Open Porch |
| Deck Area | 418 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 87800 |
|---|---|
| Street Address | 3445 CORD AVE |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-8022 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | OAC |
| Legal Description | ST CLOUD MANOR EST 2 PB 1 PG 365 S 1/2 OF LOT 73 LESS W 5 FT |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 25 |
| Legal Subdivision | ST CLOUD MANOR EST 2 |
| Legal Tract | 5080 |
| Legal Block | 1 |
| Legal Lot Number | 73 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1043 |
| Census Tract | 43304 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 3445 CORD AVE, SAINT CLOUD, FL 34772-8022 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 21, 2021 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage WATERSTONE MORTGAGE CORP |
| Aug 29, 2019 | Warranty Deed, Transfer STEWART TITLE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 21, 2021 · Amount on Record |
| Deed Sale | Apr 21, 2021 · Amount on Record |
| Prior Sale | Aug 29, 2019 · Amount on Record |
| Deed Document Number | 2021060804 |
| Deed Book / Page | 5941 / 198 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Apr 21, 2021 |
| Property Address | 3445 CORD AVE, SAINT CLOUD, FL 34772-8022 |
| Document Number | 0059410198 |
| Book / Page | 5941 / 198 |
| Map Reference | MB 1 PG 365 |
| Instrument Date | Apr 19, 2021 |
| Instrument | 2021060804 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Aug 3, 2023 |
| Title Company | STEWART TITLE COMPANY-F, STEWART TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Tax | $980.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1110 PENNSYLVANIA AVE, SAINT CLOUD, FL 34769-3750 |
| Name | Verified Name |
|---|---|
| Address | 3445 CORD AVE, SAINT CLOUD, FL 34772-8022 |
| Document Number | 0005941199 |
|---|---|
| Date | Apr 21, 2021 |
| Instrument | 5941/199 |
| Name | WATERSTONE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 373 Months |
| Due | May 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Aug 29, 2019 |
| Property Address | 3445 CORD AVE, SAINT CLOUD, FL 34772-8022 |
| Document Number | 0055812858 |
| Book / Page | 005581 / 002858 |
| Instrument Date | Aug 29, 2019 |
| Instrument | 112588 |
| Transaction Type | Transfer |
| Record Updated | Sep 10, 2019 |
| Title Company | STEWART TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,190.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 1110 PENNSYLVANIA AVE ST CLOUD FL 347693750, ST CLOUD, FL 34769-3750 |
Source: Osceola County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,673.00 (+7.06%) Homeowner's exemption | $326,715 (+5.99%) | $454,700 (+4.82%) Land $117,200 Building $337,500 |
| 2023 | $4,365.00 (+20.38%) Homeowner's exemption | $308,261 (+3%) | $433,800 (+18.2%) Land $116,000 Building $317,800 |
| 2022 | $3,626.00 Homeowner's exemption | $299,283 | $367,000 Land $92,800 Building $274,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 59 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 59 in force |
| Nearby Flood Claims | 1 (2017) |
| Most Recent Claim | Sep 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 57% of the US · lower than 71% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | TOHO WATER AUTHORITY-POINCIANA SYSTEM public/private · serves 69,447 people · EPA ID FL3494429 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2024 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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.
Source: FCC Broadband Data Collection, based on 47 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CenturyLink Fiber | 2,000 / 1,000 |
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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