3446 la Salle Ave, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3446 la Salle Ave, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 3,712 sqft · built 1994
Lot Size	2.39 acres (104,108 sqft)
Owner	2 Individual Names on File
Tax Bill	$4,195 (2025)
Deeds & Mortgages	Dec 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`87812`

Property Details

APN / Parcel Number

Primary APN	`87812`
Alternative APN	`252630508000010800`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	3,712 sqft Heated Area
Gross Area	5,385 sqft
1st Floor Area	2,539 sqft
Upper Floors Area	1,173 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1997
Exterior Material	Vinyl
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	104,108 sqft (2.39 acres)
Garage Type	Finished
Garage Area	529 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	576 sqft
Porch	Porch
Porch Area	1,144 sqft
Deck Area	924 sqft
Patio Area	345 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	87812
Street Address	3446 LA SALLE AVE
City	SAINT CLOUD
State	FL
Zip	34772-9310
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OA2M
Legal Description	ST CLOUD MANOR EST 2 PB 1 PG 365 S 1/2 LOT 80
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	80
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1040
Census Tract	43304

Owner

3446 la Salle Ave is owned and occupied by two individuals who acquired it in November 1993.

Source: Osceola County records, as of December 11, 2025

Owner of Record	2 Individual Names on File
Co-owner	Co-owner on File
Mailing Address	3446 LA SALLE AVE, SAINT CLOUD, FL 34772-9310
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 4, 1993
Deed Sale	Nov 4, 1993
Deed Document Number	0011551444
Record Updated	Jun 8, 2026

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3446 LA SALLE AVE, SAINT CLOUD, FL 34772-9310
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	A CLEAR CHOICE TITLE & ESCRO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0054471740
Date	Dec 11, 2018
Book Page	5447/1740
Instrument	2018181271

Lender

Name	CENTRAL FLORIDA EDUCATORS FCU
Type	Credit Union
Address	LAKE MARY, FL 32746

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	60 Months
Due	Dec 11, 2023

Tax Assessment & Valuation

The 2025 property tax bill for 3446 la Salle Ave was $4,195 with a homeowner's exemption.

Source: Osceola County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,195.00 Homeowner's exemption	$292,217	$599,500 Land $120,700 Building $478,800
2023	$3,911.00 (+4.13%) Homeowner's exemption	$275,711 (+3%)	$575,100 (+17.8%) Land $119,500 Building $455,600
2022	$3,756.00 Homeowner's exemption	$267,681	$488,200 Land $95,600 Building $392,600

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

Flood

FEMA maps place 3446 la Salle Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2017.

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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.

Wildfire

Wildfire risk around 3446 la Salle Ave is moderate, ranking above 56% of the US, with a 0.2% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 56% 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 53 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	8,000 / 8,000
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20