Osceola County property record for 3520 Edsel Ave, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,350 sqft · built 2021 |
| Lot Size | 2.34 acres (102,191 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $135,000 (Dec 2020) |
| Tax Bill | $712 (2025) |
| Deeds & Mortgages | Dec 2020 Sale & Mortgage Mar 2019 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 25-26-30-5080-0001-1030 |
| Primary APN | 25-26-30-5080-0001-1030 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 2,350 sqft Living Area |
| Gross Area | 3,281 sqft |
| 1st Floor Area | 2,025 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2021 |
|---|---|
| Effective Year Built | Effective 2021 |
| Architectural Style | Conventional |
| Exterior Material | Concrete Block |
| Construction Type | Frame |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 102,191 sqft (2.34 acres) |
| Garage Type | Attached |
| Garage Area | 495 sqft |
| Porch | Slab |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 3520 EDSEL AVE |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-7345 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | OA2M |
| Legal Description | ST CLOUD MANOR EST 2 PB 1 PG 365 S1/2 LOT 103 LESS E 5 FT |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 25 |
| Legal Subdivision | ST CLOUD MANOR ESTATES UNIT 2 |
| Legal Tract | 5080 |
| Legal Block | 1030 |
| Legal Lot Number | 103 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1043 |
| Census Tract | 43304 |
Source: Osceola County records, as of July 20, 2026
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 |
|---|---|
| Mailing Address | 3520 EDSEL AVE, SAINT CLOUD, FL 34772-7345 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 22, 2020 | Warranty Deed, Transfer · Conventional Mortgage WATERSTONE MORTGAGE CORP |
| Mar 11, 2019 | Warranty Deed, Transfer STEWART TITLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 22, 2020 · Amount on Record |
| Deed Sale | Dec 22, 2020 · Amount on Record |
| Prior Sale | Mar 11, 2019 · Amount on Record |
| Deed Document Number | 2020173866 |
| Deed Book / Page | 5856 / 1174 |
| Prior Transfer Date | May 18, 2016 |
| Prior Transfer Doc | 0049620505 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Dec 22, 2020 |
| Property Address | 3520 EDSEL AVE, SAINT CLOUD, FL 34772-7345 |
| Document Number | 0058561174 |
| Book / Page | 5856 / 1174 |
| Map Reference | MB 1 PG 365 |
| Instrument Date | Dec 14, 2020 |
| Instrument | 2020173865 |
| Transaction Type | Transfer |
| Record Updated | Aug 1, 2022 |
| Title Company | STEWART TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Tax | $945.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 15971 SWALLOWTAIL LN, 15971, FORT MYERS, FL 33912-2331 |
| Name | Verified Name |
|---|---|
| Address | PO BOX 702417, SAINT CLOUD, FL 34770-2417 |
| Document Number | 0058561175 |
|---|---|
| Date | Dec 22, 2020 |
| Instrument | 5856/1175 |
| Name | WATERSTONE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 373 Months |
| Due | Jan 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Mar 11, 2019 |
| Property Address | 3520 EDSEL AVE, SAINT CLOUD, FL 34772-7345 |
| Document Number | 0054891695 |
| Book / Page | 005489 / 001695 |
| Instrument Date | Mar 8, 2019 |
| Instrument | 30895 |
| Transaction Type | Transfer |
| Record Updated | Mar 25, 2019 |
| Title Company | STEWART TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $749.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | PO BOX 1193 SNOHOMISH WA 982911193, SNOHOMISH, WA 98291-1193 |
Source: Osceola County assessment roll, as of November 26, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $712.00 (+12.84%) Homeowner's exemption Veteran's exemption | $289,967 (+5.99%) | $452,900 (+4.48%) Land $118,700 Building $334,200 |
| 2024 | $631.00 (+1.61%) | ||
| 2023 | $621.00 (+7.81%) Homeowner's exemption | $273,588 (+3%) | $433,500 (+19.55%) Land $117,500 Building $316,000 |
| 2022 | $576.00 Homeowner's exemption | $265,620 | $362,600 Land $94,000 Building $268,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 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 |
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: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 56% of the US · lower than 72% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 47 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CenturyLink Fiber | 2,000 / 1,000 |
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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