3480 Allegra Cir, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3480 Allegra Cir, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,670 sqft · built 2007
Lot Size	0.048 acres (2,090 sqft)
Owner	Individual Name on File
Last Sale	$310,000 (Mar 2023)
Tax Bill	$4,682 (2025)
Deeds & Mortgages	Mar 2023 Sale & Mortgage Feb 2021 Sale & Mortgage + 3 more
Flood Zone	Zone A (high risk)
APN	`26-26-30-0613-0001-1880`

Property Details

APN / Parcel Number

Primary APN	`26-26-30-0613-0001-1880`
Alternative APNs	`263026061300011880` `158152`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	1,670 sqft Living Area
Gross Area	1,938 sqft
1st Floor Area	741 sqft
Upper Floors Area	929 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Architectural Style	Conventional
Exterior Material	Concrete Block
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Concrete
Lot Area	2,090 sqft (0.048 acres)
Garage Type	Attached
Garage Area	235 sqft
Parking Spaces	1 Parking Space
Porch	Finished/Open Porch
Porch Area	33 sqft
Patio Area	24 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3480 ALLEGRA CIR
City	SAINT CLOUD
State	FL
Zip	34772-6721
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR3
Legal Description	PORTOFINO VISTA PB 20 PGS 43-48 LOT 188
Legal Range	30E
Legal Township	26S
Legal Section	26
Legal Subdivision	PORTOFINO VISTA
Legal Tract	613
Legal Block	1880
Legal Lot Number	188
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2011
Census Tract	43207

Owner

3480 Allegra Cir is owned and occupied by an individual who bought it in March 2023.

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

Owner of Record	Individual Name on File
Mailing Address	3480 ALLEGRA CIR, SAINT CLOUD, FL 34772-6721
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Woman

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

Date	Document
Mar 6, 2023	Warranty Deed, Transfer · FHA Mortgage PLANET HOME LENDING LLC
Feb 22, 2021	Warranty Deed, Transfer · Conventional Mortgage THE MORTGAGE FIRM INC
Sep 5, 2019	Warranty Deed, Transfer · FHA Mortgage JMAC LENDING
Mar 15, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY
Aug 15, 2018	Deed of Trust, Mortgage · Conventional Mortgage PROVIDIDED ALWAYS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 6, 2023 · Amount on File
Deed Sale	Mar 6, 2023 · Amount on File
Prior Sale	Feb 22, 2021 · Amount on File
Deed Document Number	202325998
Deed Book / Page	6367 / 856
Prior Transfer Date	Feb 28, 2019
Prior Transfer Doc	0054920174
Record Updated	Jun 8, 2026

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 6, 2023
Property Address	3480 ALLEGRA CIR, SAINT CLOUD, FL 34772-6721
Document Number	0063670856
Book / Page	6367 / 856
Map Reference	MB 20 PG 43
Instrument Date	Mar 2, 2023
Instrument	2023025998
Transaction Type	Transfer
Record Updated	Mar 20, 2023
Title Company	CELEBRATION TITLE GROUP

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,170.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3035 ELLA WAY, SAINT CLOUD, FL 34771-8449

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3480 ALLEGRA CIR, SAINT CLOUD, FL 34772-6721

Mortgage

Document Number	0006367858
Date	Mar 6, 2023
Instrument	6367/858

Lender

Name	PLANET HOME LENDING LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2053

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 22, 2021
Property Address	3480 ALLEGRA CIR, SAINT CLOUD, FL 34772-6721
Document Number	0058951207
Book / Page	5895 / 1207
Map Reference	MB 20 PG 43
Instrument Date	Feb 8, 2021
Instrument	2021024851
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,456.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2401 RANCH HILLS RD, 2401, CHATTANOOGA, TN 37421-2832

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3480 ALLEGRA CIR, SAINT CLOUD, FL 34772-6721

Mortgage

Document Number	0058951209
Date	Feb 22, 2021
Instrument	5895/1209

Lender

Name	THE MORTGAGE FIRM INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 5, 2019
Property Address	3480 ALLEGRA CIR, SAINT CLOUD, FL 34772-6721
Document Number	0055830016
Book / Page	005583 / 000016
Instrument Date	Aug 29, 2019
Instrument	113353
Transaction Type	Transfer
Record Updated	Sep 23, 2019
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE/FL INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,330.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3480 ALLEGRA CIR ST CLOUD FL 347726721, ST CLOUD, FL 34772-6721

Mortgage

Document Number	55830018
Date	Sep 5, 2019
Book Page	005583/000018
Instrument	113354

Lender

Name	JMAC LENDING
Type	Funding / Finance Company
Address	SANTA ANA, CA 92705

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 4, 2049

March 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 15, 2019
Property Address	3480 ALLEGRA CIR, SAINT CLOUD, FL 34772-6721
Document Number	0054920174
Book / Page	005492 / 000174
Instrument Date	Feb 28, 2019
Instrument	33308
Transaction Type	Transfer
Record Updated	Mar 27, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$0.70
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3480 ALLEGRA CIR ST CLOUD FL 347726721, ST CLOUD, FL 34772-6721

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3480 ALLEGRA CIR, SAINT CLOUD, FL 34772-6721
Document Number	0053880493
Instrument Date	Aug 15, 2018
Transaction Type	Mortgage
Record Updated	Sep 13, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3480 ALLEGRA CIR ST CLOUD FL 347726721, ST CLOUD, FL 34772-6721

Mortgage

Document Number	0053880493
Date	Aug 20, 2018
Book Page	005388/000493
Instrument	127061

Lender

Name	PROVIDIDED ALWAYS
Type	Bank
Address	FORT LAUDERDALE, FL 33334

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	36 Months
Due	Aug 19, 2021

Interest

Rate	9.5%

Tax Assessment & Valuation

The 2025 property tax bill for 3480 Allegra Cir was $4,682 with a homeowner's exemption, down 1.7% from the year before.

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

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Municipality	St. Cloud City
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,682.00 (-1.74%) Homeowner's exemption	$233,500 Land $38,000 Building $195,500	$233,500 Land $38,000 Building $195,500
2024	$4,765.00 (+14.79%)
2023	$4,151.00 (+2.57%) Homeowner's exemption	$202,086 (+3%)	$249,900 (+27.37%) Land $14,900 Building $235,000
2022	$4,047.00 Homeowner's exemption	$196,200 Land $14,900 Building $181,300	$196,200 Land $14,900 Building $181,300

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

Flood

FEMA maps place 3480 Allegra Cir in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 66 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	66 in force
Nearby Flood Claims	2 (2017–2024)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Oct 2024 · Hurricane Milton

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 3480 Allegra Cir is moderate, ranking above 42% of the US, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Moderate above 42% of the US · lower than 86% of Florida
Wildfire Likelihood	0.04% 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	ST. CLOUD, CITY OF (3 WPS) serves 82,752 people · EPA ID FL3491373
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	2 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 318 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber · DSL in parts of the area	2,000 / 1,000
Spectrum Cable	1,000 / 50

May also be available: AT&T, Xfinity.

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