Osceola County property record for 3465 Edsel Ave, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,868 sqft · built 2016 |
| Lot Size | 2.34 acres (102,366 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $3,339 (2025) |
| Deeds & Mortgages | Aug 2022 Line of Credit Aug 2017 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 87822 |
| Primary APN | 87822 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,868 sqft Heated Area |
| Gross Area | 2,583 sqft |
| 1st Floor Area | 1,868 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2016 |
|---|---|
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 102,366 sqft (2.34 acres) |
| Lot Dimensions | 623 ft deep x 164 ft wide |
| Garage Type | Finished |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 231 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 87822 |
|---|---|
| Street Address | 3465 EDSEL AVE |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-7346 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | OAR2 |
| Legal Description | ST CLOUD MANOR EST 2 PB 1 PG 356 S 1/2 LOT 86 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 | 86 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1042 |
| Census Tract | 43304 |
Source: Osceola County records · APN 87822
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 Record | Individual Name on File |
|---|---|
| Mailing Address | 3465 EDSEL AVE, SAINT CLOUD, FL 34772-7346 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 30, 2022 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Aug 30, 2017 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Nov 15, 2013 |
| Deed Sale | Nov 15, 2013 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3465 EDSEL AVE, SAINT CLOUD, FL 34772-7346 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Name | Verified Name |
|---|---|
| Address | 3465 EDSEL AVE, SAINT CLOUD, FL 34772-7346 |
| Document Number | 0062780296 |
|---|---|
| Date | Aug 30, 2022 |
| Book Page | 6278/296 |
| Instrument | 2022132891 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19801 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 480 Months |
| Due | Aug 13, 2062 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3465 EDSEL AVE, SAINT CLOUD, FL 34772-7346 |
| Transaction Type | Mortgage |
| Record Updated | Feb 08, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0052022197 |
|---|---|
| Date | Aug 30, 2017 |
| Book Page | 5202/2197 |
| Instrument | 2017125730 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | SAINT CLOUD, FL 34769 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 480 Months |
| Due | Aug 21, 2057 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,339.00 (+7.81%) Homeowner's exemption | $230,422 (+5.99%) | $460,400 (+4.26%) Land $112,700 Building $347,700 |
| 2023 | $3,097.00 (+4.45%) Homeowner's exemption | $217,407 (+3%) | $441,600 (+19.45%) Land $111,600 Building $330,000 |
| 2022 | $2,965.00 Homeowner's exemption | $211,075 | $369,700 Land $89,300 Building $280,400 |
Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
| Wildfire Risk | Moderate above 51% of the US · lower than 79% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | None beyond ember reach |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Lumen Technologies Fiber | 2,000 / 1,000 |
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
Based on FCC filings for 47 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | TOHO WATER AUTHORITY-POINCIANA SYSTEM public/private · serves 69,447 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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