3565 Cord Ave, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3565 Cord Ave, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,850 sqft · built 1997
Lot Size	2.31 acres (100,754 sqft)
Owner	Individual Name on Record
Last Sale	$360,000 (Oct 2020)
Tax Bill	$4,575 (2025)
Deeds & Mortgages	Dec 2023 Mortgage Sep 2022 Mortgage + 1 more
Flood Zone	Zone A (high risk)
APN	`87868`

Property Details

APN / Parcel Number

Primary APN	`87868`
Alternative APN	`252630508000011205`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,850 sqft Heated Area
Gross Area	1,910 sqft
1st Floor Area	1,850 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1997
Effective Year Built	Effective 2007
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	100,754 sqft (2.31 acres)

Exterior Amenities

Porch	Open Porch
Porch Area	60 sqft
Patio Area	170 sqft
Shed	1 Shed
Shed Area	392 sqft
Utility Building	280 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	87868
Street Address	3565 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	SAINT CLOUD MANOR EST UNIT 2 PB 1 PG 365, S 1/2 LOT 120, LESS W 5 FT FOR R/W.
Legal Range	30E
Legal Township	26S
Legal Section	25
Legal Subdivision	ST CLOUD MANOR EST 2
Legal Tract	5080
Legal Block	1
Legal Lot Number	120
Legal Unit	2P
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1044
Census Tract	43304

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	Individual Name on Record
Mailing Address	3565 CORD AVE, SAINT CLOUD, FL 34772-8047
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 26, 2023	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Sep 8, 2022	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Oct 16, 2020	Warranty Deed, Transfer · FHA Mortgage AMERICAN FINANCIAL NETWORK INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 16, 2020 · Amount on Record
Deed Sale	Oct 16, 2020 · Amount on Record
Deed Document Number	2020139969
Deed Book / Page	5814 / 115
Record Updated	Jun 8, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3565 CORD AVE, SAINT CLOUD, FL 34772-8047
Transaction Type	Mortgage
Record Updated	Jan 16, 2024
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3565 CORD AVE, SAINT CLOUD, FL 34772-8047
Investor	Possibly a Property Investor

Mortgage

Document Number	0065241294
Date	Dec 26, 2023
Book Page	6524/1294
Instrument	2023167231

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	MOORPARK, CA 93021

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	323 Months
Due	Nov 1, 2050

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3565 CORD AVE, SAINT CLOUD, FL 34772-8047
Transaction Type	Mortgage
Record Updated	Sep 23, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3565 CORD AVE, SAINT CLOUD, FL 34772-8047

Mortgage

Document Number	0062822816
Date	Sep 8, 2022
Book Page	6282/2816
Instrument	2022137152

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	MOORPARK, CA 93021

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	338 Months
Due	Nov 1, 2050

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 16, 2020
Property Address	3565 CORD AVE, SAINT CLOUD, FL 34772-8047
Document Number	0058140115
Book / Page	5814 / 115
Map Reference	MB 1 PG 365
Instrument Date	Oct 14, 2020
Instrument	2020139969
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,520.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1453 SUGARBERRY LN, 1453, SAINT CLOUD, FL 34772-7425

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3565 CORD AVE, SAINT CLOUD, FL 34772-8047
Investor	Possibly a Property Investor

Mortgage

Document Number	0005814116
Date	Oct 16, 2020
Instrument	5814/116

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company

Agreement

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

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,575.00 (+7.09%) Homeowner's exemption	$319,639 (+5.99%)	$364,900 (+4.08%) Land $116,800 Building $248,100
2023	$4,272.00 (+4.02%) Homeowner's exemption	$301,584 (+3%)	$350,600 (+19.74%) Land $115,600 Building $235,000
2022	$4,107.00 Homeowner's exemption	$292,800 Land $92,500 Building $200,300	$292,800 Land $92,500 Building $200,300

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 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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 51% of the US · lower than 78% of Florida
Wildfire Likelihood	0.1% 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 134 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	2,000 / 1,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Xfinity.

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