3582 Cord Ave, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3582 Cord Ave, Saint Cloud, FL 34772

Property Summary

Property Type	Mobile Home
Details	4 bd · 2 ba · 2,052 sqft · built 1997
Lot Size	1.38 acres (60,113 sqft)
Owner	Individual Name on File
Last Sale	$350,000 (Nov 2022)
Tax Bill	$3,549 (2025)
Deeds & Mortgages	Nov 2022 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`88472`

Property Details

APN / Parcel Number

Primary APN	`88472`
Alternative APN	`262630344500010260`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,052 sqft Heated Area
Gross Area	2,842 sqft
1st Floor Area	2,052 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 2010
Architectural Style	Mobile/Manufactured
Exterior Material	Vinyl
Foundation Type	Pier/Post & Beam
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	60,113 sqft (1.38 acres)
Garage Type	Unfinished
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	390 sqft
Fence	Fence
Shed	1 Shed
Shed Area	100 sqft
Pole Barn	1,200 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	88472
Street Address	3582 CORD AVE
City	SAINT CLOUD
State	FL
Zip	34772-8046
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Local Zoning Code	OARM
Legal Description	HORIZON MEADOWS PB 8 PG 139 LOT 26
Legal Range	30E
Legal Township	26S
Legal Section	26
Legal Subdivision	TIMBER WINDS
Legal Tract	3445
Legal Block	1
Legal Lot Number	26
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2027
Census Tract	43304

Owner

Source: Osceola County records · APN 88472

Assessment roll updated July 1, 2025 · Last verified December 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
Co-owner	Verified Secondary Owner
Mailing Address	3582 CORD AVE, SAINT CLOUD, FL 34772-8046
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 23, 2022 · Amount on Record
Deed Sale	Nov 23, 2022 · Amount on Record
Prior Sale	Aug 14, 1997 · Amount on Record
Deed Document Number	0063192225
Deed Book / Page	6319 / 2225
Record Updated	Jun 08, 2026

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Nov 23, 2022
Property Address	3582 CORD AVE, SAINT CLOUD, FL 34772-8046
Document Number	0063192225
Book / Page	6319 / 2225
Map Reference	MB 8 PG 139
Instrument Date	Nov 23, 2022
Instrument	2022169875
Transaction Type	Transfer
Record Updated	Dec 13, 2022
Title Company	TITLE ONE FLORIDA LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,450.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3582 CORD AVE, SAINT CLOUD, FL 34772-8046

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3582 CORD AVE, SAINT CLOUD, FL 34772-8046

Mortgage

Document Number	0063192227
Date	Nov 23, 2022
Instrument	6319/2227

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Dec 01, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,549.00 (-2.31%) Homeowner's exemption	$245,600 (-3.99%) Land $49,400 Building $196,200	$245,600 (-3.99%) Land $49,400 Building $196,200
2023	$3,633.00 (+78.7%) Homeowner's exemption	$255,800 (+77.15%) Land $49,400 Building $206,400	$255,800 (+77.15%) Land $49,400 Building $206,400
2022	$2,033.00 Homeowner's exemption	$144,400 Land $42,300 Building $102,100	$144,400 Land $42,300 Building $102,100

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 36 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	36 in force

Wildfire

Wildfire Risk	Moderate above 51% of the US · lower than 78% of Florida
Wildfire Likelihood	0.1% annual chance
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 as of December 31, 2025 · Last verified October 2026

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

May also be available: Xfinity.

Based on FCC filings for 134 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	ST. CLOUD, CITY OF (3 WPS) serves 82,752 people
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	2 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.