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3555 Studebaker Ave, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3555 Studebaker Ave, Saint Cloud, FL 34772 · Last verified April 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms3 Baths
Year BuiltBuilt 2016
Square Footage1,856 sqft Living Area
Lot Size13,852 sqft (0.318 acres)
OccupancyOwner Occupied
Last Sale$250,000 (2017)
Tax Bill$3,248.00 (2024)

Property Details

APN / Parcel Number

Primary APN30-26-31-5130-000F-0120
Alternative APNs
  • 2631305130000F0120
  • 139396

Interior

Bedrooms3 Beds
Full Baths3 Baths
Building Area1,856 sqft Living Area
Gross Area2,578 sqft Gross Area
1st Floor1,856 sqft 1st Floor
Stories1 Stories
Primary FlooringTile Flooring
Interior StructureWallboard/Drywall Interior Structure
FireplaceFireplace
Fireplaces1 Fireplaces

Exterior

Year BuiltBuilt 2007
Effective Year BuiltEffective 2016
Architectural StyleConventional Style
Exterior MaterialConcrete Block Exterior
Construction TypeFrame Construction
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area13,852 sqft (0.318 acres)

Exterior Amenities

Shed1 Shed
Shed Area160 sqft Shed
Deck Area168 sqft Deck
Patio Area552 sqft Patio
Porch Area701 sqft Porch

Utilities and HVAC

Cooling SystemA/C Package Cooling
Heating SystemHVAC Heating

Location & Zoning

Street Address3555 STUDEBAKER AVE
CitySAINT CLOUD
StateFL
Zip34772-8311
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionST CLOUD MANOR VILLAGE PB 1 PG 395 BLK F LOT 12
Legal Range31E
Legal Township26S
Legal Section30
Legal SubdivisionST CLOUD MANOR VLG
Legal Tract5130
Legal BlockF
Legal Lot Number12
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup1
Census Block1039
Census Tract43304

Owner

Source: Osceola County records · APN 30-26-31-5130-000F-0120

Assessment roll updated November 26, 2025 · Last verified April 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address3555 STUDEBAKER AVE, SAINT CLOUD, FL 34772-8311
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
May 11, 2017Deed of Trust, Mortgage · Line of Credit
PNC BANK NA
Oct 19, 2021Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage
FLAGSTAR BANK FSB
Oct 10, 2019Loan Modification, Mortgage · Federal Housing Administration (FHA) Mortgage
PINGORA LOAN SVCNG
Oct 10, 2019Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage
HUD-HOUSING/URBAN DEV
Dec 18, 2017Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage
RESIDENTIAL ACCPTNC
Mar 07, 2017Quit Claim Deed, Transfer
Quitclaim Document

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleDec 18, 2017 · Amount on Record
Deed SaleDec 18, 2017 · Amount on Record
Prior SaleMar 07, 2017 · Amount on Record
Deed Doc Number2017179789
Deed Book / Page5255 / 2686
Record RefreshedJun 08, 2026

May 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address3555 STUDEBAKER AVE, SAINT CLOUD, FL 34772-8311
Transaction TypeMortgage
Record UpdatedFeb 08, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0051460919
DateMay 11, 2017
Book Page5146/0919
Instrument2017069183
Lender
NamePNC BANK NA
TypeBank
AddressSAINT CLOUD, FL 34769
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly (Revolving credit lines are monthly unless stated otherwise).

October 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address3555 STUDEBAKER AVE, SAINT CLOUD, FL 34772-8311
Transaction TypeMortgage
Record UpdatedFeb 08, 2022
Title CompanyFIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address3555 STUDEBAKER AVE, SAINT CLOUD, FL 34772-8311

Mortgage

Document Number0060672694
DateOct 19, 2021
Book Page6067/2694
Instrument2021162299
Lender
NameFLAGSTAR BANK FSB
TypeBank
AddressJACKSONVILLE, FL 32202
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term337 Months
DueNov 01, 2049

October 2019: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionOSCEOLA FL
Property Address3555 STUDEBAKER AVE, SAINT CLOUD, FL 34772-8311
Document Number0056231070
Instrument DateOct 10, 2019
Transaction TypeMortgage
Record UpdatedDec 05, 2019
Title CompanyATTORNEY ONLY

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband And Wife
Address3555 STUDEBAKER AVE ST CLOUD FL 347728311, ST CLOUD, FL 34772-8311

Mortgage

Document Number0056231070
DateNov 14, 2019
Book Page005623/001070
Instrument148156
Lender
NamePINGORA LOAN SVCNG
TypeFunding / Finance Company
AddressDENVER, CO 80202
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term360 Months
DueNov 13, 2049
Interest
Rate TypeFixed Rate
Rate4.37%

October 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address3555 STUDEBAKER AVE, SAINT CLOUD, FL 34772-8311
Document Number0056231077
Instrument DateOct 10, 2019
Transaction TypeMortgage
Record UpdatedDec 04, 2019
Title CompanyATTORNEY ONLY

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband And Wife
Address3555 STUDEBAKER AVE ST CLOUD FL 347728311, ST CLOUD, FL 34772-8311

Mortgage

Document Number0056231077
DateNov 14, 2019
Book Page005623/001077
Instrument148157
Lender
NameHUD-HOUSING/URBAN DEV
Address451 7TH ST SW, WASHINGTON, DC 20410-0001
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term360 Months
DueNov 13, 2049

December 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateDec 18, 2017
Property Address3555 STUDEBAKER AVE, SAINT CLOUD, FL 34772-8311
Document Number0052552686
Book / Page005255 / 002686
Instrument DateDec 15, 2017
Instrument179789
Transaction TypeTransfer
Record UpdatedDec 05, 2019
Title CompanySTEWART TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,750.00
Amount AccuracyConfirmed
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband And Wife
Address3555 STUDEBAKER AVE ST CLOUD FL 347728311, ST CLOUD, FL 34772-8311

Mortgage

Document Number52552687
DateDec 18, 2017
Book Page005255/002687
Instrument179790
Lender
NameRESIDENTIAL ACCPTNC
AddressTAMPA, FL 33607
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term360 Months
DueDec 17, 2047

March 2017: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionOSCEOLA FL
Recording DateMar 07, 2017
Property Address3555 STUDEBAKER AVE, SAINT CLOUD, FL 34772-8311
Document Number0051130835
Book / Page005113 / 000835
Instrument DateMar 07, 2017
Instrument36072
Transaction TypeTransfer
Record UpdatedApr 11, 2017

Transaction

AmountAmount Recorded
Tax$322.00
Additional
  • Quitclaim Document
  • Interfamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband And Wife
AddressPO BOX 701463 ST CLOUD FL 347701463, ST CLOUD, FL 34770-1463

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 2026

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$3,425.00 (+5.45%) Homeowner's exemption$236,635 (+5.99%)$369,200 (+6.43%) Land $60,000 Building $309,200
2024$3,248.00 (+2.2%)
2023$3,178.00 (+4.4%) Homeowner's exemption$223,268 (+3%)$346,900 (+21.25%) Land $45,000 Building $301,900
2022$3,044.00 Homeowner's exemption$216,766$286,100 Land $40,000 Building $246,100

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo

Wildfire

Wildfire RiskModerate
above 45% of the US · above 15% of Florida
Wildfire LikelihoodAbout 1 in 1,064 per year
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

Values are read at the parcel center point; lenders make the official flood determination.

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