3509 Sanctuary Dr, Saint Cloud, FL 34769 Property Records

Osceola County property record for 3509 Sanctuary Dr, Saint Cloud, FL 34769

Property Summary

Property Type	Townhouse
Details	3 bd · 3 ba · 1,696 sqft · built 2016
Lot Size	0.037 acres (1,612 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,865 (2025)
Deeds & Mortgages	Oct 2018 Mortgage Mar 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`138508`

Property Details

APN / Parcel Number

Primary APN	`138508`
Alternative APN	`152630005800010490`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,696 sqft Heated Area
Gross Area	1,934 sqft
1st Floor Area	920 sqft
Upper Floors Area	776 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2016
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	1,612 sqft (0.037 acres)
Lot Dimensions	58 ft deep x 28 ft wide
Garage Type	Finished
Garage Area	220 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Open Porch
Porch Area	18 sqft
Patio Area	133 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	138508
Street Address	3509 SANCTUARY DR
City	SAINT CLOUD
State	FL
Zip	34769-7124
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	SR3
Legal Description	SANCTUARY AT SOUTH TOWN PB 18 PG 119 LOT 49
Legal Range	30E
Legal Township	26S
Legal Section	15
Legal Subdivision	SANCTUARY AT SOUTHTOWN TOWNHOMES
Legal Tract	58
Legal Block	1
Legal Lot Number	49
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3028
Census Tract	43208

Owner

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	2 Individual Names on Record
Co-owner	Co-owner on Record
Mailing Address	3509 SANCTUARY DR, SAINT CLOUD, FL 34769-7124
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 17, 2018	Deed of Trust, Mortgage · Commercial Mortgage SUNTRUST BANK
Mar 12, 2020	Warranty Deed, Transfer · FHA Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 8, 2020
Deed Sale	Jul 8, 2020
Prior Sale	Nov 15, 2016 · Amount on Record
Deed Document Number	2020036261
Deed Book / Page	5691 / 282
Prior Transfer Date	Mar 12, 2020
Prior Transfer Doc	2020036261
Record Updated	Jun 8, 2026

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3509 SANCTUARY DR, SAINT CLOUD, FL 34769-7124
Transaction Type	Mortgage
Record Updated	Aug 1, 2022
Title Company	AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0054181908
Date	Oct 17, 2018
Book Page	5418/1908
Instrument	2018155269

Lender

Name	SUNTRUST BANK
Type	Bank
Address	ORLANDO, FL 32809

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 12, 2020
Property Address	3509 SANCTUARY DR, SAINT CLOUD, FL 34769-7124
Document Number	0056910282
Book / Page	5691 / 282
Map Reference	MB 18 PG 119
Instrument Date	Mar 6, 2020
Instrument	2020036261
Transaction Type	Transfer
Record Updated	Aug 1, 2022
Title Company	MORTGAGEE TITLE SERVICES INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,477.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	13253 DANIELS LANDING CIR, 13253, WINTER GARDEN, FL 34787-4393

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3509 SANCTUARY DR, SAINT CLOUD, FL 34769-7124

Mortgage

Document Number	0056910283
Date	Mar 12, 2020
Instrument	5691/0283

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2050

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 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	$2,865.00 (+6.55%) Homeowner's exemption	$202,955 (+5.99%)	$261,300 (+8.97%) Land $40,000 Building $221,300
2023	$2,689.00 (+3.78%) Homeowner's exemption	$191,492 (+3%)	$239,800 (+12.64%) Land $14,900 Building $224,900
2022	$2,591.00 Homeowner's exemption	$185,915	$212,900 Land $14,900 Building $198,000

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

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 25 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	25 in force

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	Low lower than 96% of the US · lower than 96% of Florida
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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 288 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: CenturyLink, Xfinity.

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