Osceola County property record for 3541 Cord Ave, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,170 sqft · built 2002 |
| Lot Size | 2.31 acres (100,623 sqft) |
| Owner | Individual Name on File |
| Last Sale | $198,500 (May 2009) |
| Tax Bill | $3,126 (2025) |
| Deeds & Mortgages | Mar 2023 Transfer Oct 2017 Line of Credit + 1 more |
| Flood Zone | Zone A (high risk) |
| APN | 25-26-30-5080-0001-1055 |
| Primary APN | 25-26-30-5080-0001-1055 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,170 sqft Living Area |
| Gross Area | 3,164 sqft |
| 1st Floor Area | 2,170 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2002 |
| Architectural Style | Conventional |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 100,623 sqft (2.31 acres) |
| Garage Type | Attached |
| Garage Area | 506 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | In-Ground Pool |
|---|---|
| Pool Area | 50 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 488 sqft |
| Deck Area | 1,936 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 3541 CORD AVE |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-8047 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | OA2M |
| Legal Description | ST CLOUD MANOR EST 2 PB 1 PG 365 N 1/2 OF LOT 105 LESS W 5 FT |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 25 |
| Legal Subdivision | ST CLOUD MANOR ESTATES UNIT 2 |
| Legal Tract | 5080 |
| Legal Block | 1055 |
| Legal Lot Number | 105 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1043 |
| Census Tract | 43304 |
Source: Osceola County assessment roll, as of November 26, 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 | 3541 CORD AVE, SAINT CLOUD, FL 34772-8047 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 22, 2023 | Intrafamily Transfer, Transfer |
| Oct 10, 2017 | Deed of Trust, Mortgage · Line of Credit SUNTRUST BANK |
| Mar 22, 2021 | Deed of Trust, Mortgage · FHA Mortgage WELLS FARGO BANK NA |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | May 15, 2009 · Amount on Record |
| Deed Sale | May 15, 2009 · Amount on Record |
| Prior Sale | Mar 18, 2009 |
| Deed Document Number | 200977365 |
| Deed Book / Page | 3836 / 1413 |
| Last Transfer Date | Mar 19, 2023 |
| Transfer Doc | 0063741196 |
| Record Updated | Jun 8, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Mar 22, 2023 |
| Property Address | 3541 CORD AVE, SAINT CLOUD, FL 34772-8047 |
| Document Number | 0063741196 |
| Book / Page | 6374 / 1196 |
| Map Reference | MB 1 PG 365 |
| Instrument Date | Mar 19, 2023 |
| Instrument | 2023032444 |
| Transaction Type | Transfer |
| Record Updated | Apr 4, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4735 MALLARD DR, SAINT CLOUD, FL 34772-9318 |
| Name | Verified Name |
|---|---|
| Address | 3541 CORD AVE, SAINT CLOUD, FL 34772-8047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3541 CORD AVE, SAINT CLOUD, FL 34772-8047 |
| Transaction Type | Mortgage |
| Record Updated | Jun 24, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0052211969 |
|---|---|
| Date | Oct 10, 2017 |
| Book Page | 5221/1969 |
| Instrument | 2017145035 |
| Name | SUNTRUST BANK |
|---|---|
| Type | Bank |
| Address | ORLANDO, FL 32809 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 9, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3541 CORD AVE, SAINT CLOUD, FL 34772-8047 |
| Transaction Type | Mortgage |
| Record Updated | Jun 24, 2022 |
| Title Company | FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO |
| Name | Verified Name |
|---|---|
| Address | 3541 CORD AVE, SAINT CLOUD, FL 34772-8047 |
| Document Number | 0059162313 |
|---|---|
| Date | Mar 22, 2021 |
| Book Page | 5916/2313 |
| Instrument | 2021041711 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | DES MOINES, IA 50328 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 288 Months |
| Due | Mar 1, 2045 |
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 | $3,126.00 (+5.61%) Homeowner's exemption | $215,104 (+5.99%) | $437,500 (+4.02%) Land $116,700 Building $320,800 |
| 2024 | $2,960.00 (+2.25%) | ||
| 2023 | $2,895.00 (+4.55%) Homeowner's exemption | $202,954 (+3%) | $420,600 (+18.28%) Land $115,500 Building $305,100 |
| 2022 | $2,769.00 Homeowner's exemption | $197,043 | $355,600 Land $92,400 Building $263,200 |
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 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 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 at the parcel |
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) |
|---|---|
| Lumen Technologies Fiber | 2,000 / 1,000 |
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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