3565 Edsel Ave, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3565 Edsel Ave, Saint Cloud, FL 34772 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,662 sqft · built 2020
Lot Size	4.5 acres (196,063 sqft)
Owner	Individual Name on File
Last Sale	$80,000 (Feb 2019)
Tax Bill	$4,288 (2025)
Deeds & Mortgages	Oct 2019 Construction Loan Jul 2020 Loan Modification + 1 more
Flood Zone	Zone A (high risk)
APN	`25-26-30-4950-0001-1230`

Property Details

APN / Parcel Number

Primary APN	`25-26-30-4950-0001-1230`
Alternative APNs	`263025495000011230` `87706`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,662 sqft Living Area
Gross Area	2,382 sqft
1st Floor Area	1,662 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Conventional
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	196,063 sqft (4.5 acres)
Garage Type	Attached
Garage Area	480 sqft
Porch	Florida Room

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	3565 EDSEL AVE
City	SAINT CLOUD
State	FL
Zip	34772-7365
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S L & I C PB B PG 12 LOT 123
Legal Range	30E
Legal Township	26S
Legal Section	25
Legal Subdivision	S L & I C
Legal Tract	4950
Legal Block	1230
Legal Lot Number	123
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1044
Census Tract	43304

Owner

Source: Osceola County records · APN 25-26-30-4950-0001-1230

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

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	3565 EDSEL AVE, SAINT CLOUD, FL 34772-7365
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 23, 2019	Deed of Trust, Mortgage · Construction Mortgage CENTERSTATE BANK OF FLORIDA NA
Jul 09, 2020	Loan Modification, Mortgage · Conventional with PMI SOUTH ST BK
Apr 02, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Feb 01, 2019 · Amount on Record
Deed Sale	Feb 01, 2019 · Amount on Record
Prior Sale	Apr 02, 2018 · Amount on Record
Deed Document Number	201913590
Deed Book / Page	5471 / 1029
Prior Transfer Date	Jul 06, 2004
Prior Transfer Doc	0000183294
Record Updated	Sep 20, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3565 EDSEL AVE, SAINT CLOUD, FL 34772-7365
Transaction Type	Mortgage
Record Updated	Feb 08, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0056102272
Date	Oct 23, 2019
Book Page	5610/2272
Instrument	2019137235

Lender

Name	CENTERSTATE BANK OF FLORIDA NA
Type	Bank
Address	WINTER HAVEN, FL 33881

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	373 Months
Due	Nov 01, 2050

July 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OSCEOLA FL
Property Address	3565 EDSEL AVE, SAINT CLOUD, FL 34772-7365
Document Number	0057612168
Instrument Date	Jul 09, 2020
Transaction Type	Mortgage
Record Updated	Aug 31, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3565 EDSEL AVE ST CLOUD FL 347727365, ST CLOUD, FL 34772-7365

Mortgage

Document Number	0057612168
Date	Jul 24, 2020
Book Page	005761/002168
Instrument	97155

Lender

Name	SOUTH ST BK
Type	Bank
Address	WINTER HAVEN, FL 33881

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jul 23, 2050

Interest

Rate Type	Fixed Rate
Rate	3%

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 02, 2018
Property Address	3565 EDSEL AVE, SAINT CLOUD, FL 34772-7365
Document Number	0053092169
Book / Page	005309 / 002169
Instrument Date	Apr 02, 2018
Instrument	50969
Transaction Type	Transfer
Record Updated	Apr 19, 2018

Transaction

Amount	Amount Recorded
Tax	$266.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	121 E 13TH ST ST CLOUD FL 347694749, ST CLOUD, FL 34769-4749

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Unified School District	Osceola 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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,288.00 (+4.97%) Homeowner's exemption	$298,981 (+5.99%)	$403,900 (+3.35%) Land $108,000 Building $295,900
2024	$4,085.00 (+2.13%)
2023	$4,000.00 (+4.09%) Homeowner's exemption	$282,093 (+3%)	$390,800 (+25.62%) Land $108,000 Building $282,800
2022	$3,843.00 Homeowner's exemption	$273,877	$311,100 Land $64,800 Building $246,300

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970433041, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone A
Special Flood Hazard Area	Yes
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required (federally backed mortgages)
Flood Insurance Cost	Premium on Record median of 59 individual NFIP policies nearby
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

Wildfire

Wildfire Risk	Moderate above 61% of the US · above 35% of Florida
Wildfire Likelihood	About 1 in 552 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 47 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Lumen Technologies	Fiber	2,000 / 1,000
Xfinity	Cable	1,200 / 35
Verizon	Fixed Wireless	300 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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