3489 Allegra Cir, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3489 Allegra Cir, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,606 sqft · built 2007
Lot Size	0.037 acres (1,611 sqft)
Owner	Individual Name on Record
Last Sale	$284,500 (Mar 2023)
Tax Bill	$4,496 (2025)
Deeds & Mortgages	Sep 2025 Mortgage Mar 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`26-26-30-0613-0001-0770`

Property Details

APN / Parcel Number

Primary APN	`26-26-30-0613-0001-0770`
Alternative APNs	`263026061300010770` `158041`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	1,606 sqft Living Area
Gross Area	1,841 sqft
1st Floor Area	690 sqft
Upper Floors Area	916 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Architectural Style	L-Shape
Exterior Material	Concrete Block
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Concrete
Lot Area	1,611 sqft (0.037 acres)
Garage Type	Attached
Garage Area	235 sqft
Parking Spaces	1 Parking Space
Patio Area	24 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3489 ALLEGRA CIR
City	SAINT CLOUD
State	FL
Zip	34772-6718
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR3
Legal Description	PORTOFINO VISTA PB 20 PGS 43-48 LOT 77
Legal Range	30E
Legal Township	26S
Legal Section	26
Legal Subdivision	PORTOFINO VISTA
Legal Tract	613
Legal Block	770
Legal Lot Number	77
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2009
Census Tract	43207

Owner

Source: Osceola County records, as of May 21, 2026

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	3489 ALLEGRA CIR, SAINT CLOUD, FL 34772-6718
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

Deeds, Mortgages & Sale History

Date	Document
Sep 15, 2025	Deed of Trust, Mortgage · VA Mortgage ZOOM HOME LENDING LLC
Mar 10, 2023	Warranty Deed, Transfer · FHA Mortgage MORTGAGE RESEARCH CENTER LLC
Nov 30, 2018	Warranty Deed, Transfer · Conventional Mortgage MORTGAGE FIRM

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 10, 2023 · Amount on Record
Deed Sale	Mar 10, 2023 · Amount on Record
Prior Sale	Nov 30, 2018 · Amount on Record
Deed Document Number	202328430
Deed Book / Page	6369 / 2245
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3489 ALLEGRA CIR, SAINT CLOUD, FL 34772-6718
Transaction Type	Mortgage
Record Updated	Nov 10, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3489 ALLEGRA CIR, SAINT CLOUD, FL 34772-6718

Mortgage

Document Number	0068481532
Date	Sep 15, 2025
Book Page	6848/1532
Instrument	2025113528

Lender

Name	ZOOM HOME LENDING LLC
Type	Mortgage Company
Address	LIVONIA, MI 48152

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 10, 2023
Property Address	3489 ALLEGRA CIR, SAINT CLOUD, FL 34772-6718
Document Number	0063692245
Book / Page	6369 / 2245
Map Reference	MB 20 PG 43
Instrument Date	Mar 10, 2023
Instrument	2023028430
Transaction Type	Transfer
Record Updated	Mar 27, 2023
Title Company	MAGNOLIA TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,991.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4659 LAWNDALE DR, GREENSBORO, NC 27455-2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3489 ALLEGRA CIR, SAINT CLOUD, FL 34772-6718

Mortgage

Document Number	0063692246
Date	Mar 10, 2023
Instrument	6369/2246

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

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

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Nov 30, 2018
Property Address	3489 ALLEGRA CIR, SAINT CLOUD, FL 34772-6718
Document Number	0054402368
Book / Page	005440 / 002368
Instrument Date	Nov 29, 2018
Instrument	175600
Transaction Type	Transfer
Record Updated	Dec 18, 2018
Title Company	LA ROSA TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,218.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3489 ALLEGRA CIR ST CLOUD FL 347726718, ST CLOUD, FL 34772-6718

Mortgage

Document Number	54402370
Date	Nov 30, 2018
Book Page	005440/002370
Instrument	175601

Lender

Name	MORTGAGE FIRM
Type	Mortgage Company
Address	ALTAMONTE SPRINGS, FL 32714

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 29, 2048

Tax Assessment & Valuation

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	$4,496.00 (-1.75%) Homeowner's exemption	$223,100 (+110.99%) Land $38,000 Building $185,100	$223,100 (-6.02%) Land $38,000 Building $185,100
2024	$4,576.00 (+89.4%)
2023	$2,416.00 (+2.33%) Homeowner's exemption	$105,738 (+3%)	$237,400 (+27.29%) Land $14,900 Building $222,500
2022	$2,361.00 Homeowner's exemption	$102,659	$186,500 Land $14,900 Building $171,600

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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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