3590 Yellow Bird Ct, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3590 Yellow Bird Ct, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,850 sqft · built 2001
Lot Size	0.198 acres (8,625 sqft)
Owner	Individual Name on File
Last Sale	$230,000 (Mar 2018)
Tax Bill	$3,200 (2025)
Deeds & Mortgages	Jul 2020 Mortgage Jan 2019 Loan Modification + 2 more
Flood Zone	Zone X (minimal risk)
APN	`85506`

Property Details

APN / Parcel Number

Primary APN	`85506`
Alternative APN	`162630057900013310`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,850 sqft Heated Area
Gross Area	2,294 sqft
1st Floor Area	1,850 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2006
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,625 sqft (0.198 acres)
Lot Dimensions	115 ft deep x 75 ft wide
Garage Type	Finished
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	24 sqft
Patio Area	160 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	85506
Street Address	3590 YELLOW BIRD CT
City	SAINT CLOUD
State	FL
Zip	34772-8897
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR1B
Legal Description	CANOE CREEK LAKES UNIT FOUR PB 11 PG 140 LOT 331
Legal Range	30E
Legal Township	26S
Legal Section	16
Legal Subdivision	CANOE CREEK LAKES
Legal Tract	579
Legal Block	1
Legal Lot Number	331
Legal Unit	FO
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2001
Census Tract	43208

Owner

3590 Yellow Bird Ct is owned and occupied by an individual who bought it in March 2018.

Source: Osceola County records, as of December 11, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	3590 YELLOW BIRD CT, SAINT CLOUD, FL 34772-8897
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 20, 2020	Deed of Trust, Mortgage · Conventional Mortgage LOWER
Jan 23, 2019	Loan Modification, Mortgage · Conventional Mortgage WELLS FARGO BK
Dec 27, 2018	Loan Modification, Mortgage · Conventional Mortgage WELLS FARGO BK
Mar 23, 2018	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 23, 2018 · Amount on File
Deed Sale	Mar 23, 2018 · Amount on File
Prior Sale	Jan 14, 2011 · Amount on File
Deed Document Number	2018047012
Deed Book / Page	5305 / 2615
Record Updated	Jun 8, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3590 YELLOW BIRD CT, SAINT CLOUD, FL 34772-8897
Document Number	0057641617
Instrument Date	Jul 20, 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	3590 YELLOW BIRD CT ST CLOUD FL 347728897, ST CLOUD, FL 34772-8897

Mortgage

Document Number	0057641617
Date	Jul 29, 2020
Book Page	005764/001617
Instrument	99341

Lender

Name	LOWER
Address	COLUMBIA, MD 21044

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 28, 2050

January 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OSCEOLA FL
Property Address	3590 YELLOW BIRD CT, SAINT CLOUD, FL 34772-8897
Document Number	0054892316
Instrument Date	Jan 23, 2019
Transaction Type	Mortgage
Record Updated	Mar 25, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3590 YELLOW BIRD CT ST CLOUD FL 347728897, ST CLOUD, FL 34772-8897

Mortgage

Document Number	0054892316
Date	Mar 11, 2019
Book Page	005489/002316
Instrument	31112

Lender

Name	WELLS FARGO BK
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

December 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OSCEOLA FL
Property Address	3590 YELLOW BIRD CT, SAINT CLOUD, FL 34772-8897
Document Number	0055022973
Instrument Date	Dec 27, 2018
Transaction Type	Mortgage
Record Updated	Apr 18, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3590 YELLOW BIRD CT ST CLOUD FL 347728897, ST CLOUD, FL 34772-8897

Mortgage

Document Number	0055022973
Date	Apr 4, 2019
Book Page	005502/002973
Instrument	42934

Lender

Name	WELLS FARGO BK
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 23, 2018
Property Address	3590 YELLOW BIRD CT, SAINT CLOUD, FL 34772-8897
Document Number	0053052615
Book / Page	5305 / 2615
Map Reference	MB11 PG140
Instrument Date	Mar 15, 2018
Instrument	2018047012
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	THE ORLANDO TITLE GOUP LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,610.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	445 ROCK CREEK DR # DR668, 445, GUNNISON, UT 84634-7700

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3590 YELLOW BIRD CT, SAINT CLOUD, FL 34772-8897

Mortgage

Document Number	2018047013
Date	Mar 23, 2018
Instrument	2018047013

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 3590 Yellow Bird Ct was $3,200 with a homeowner's exemption.

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

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Municipality	St. Cloud City
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,200.00 Homeowner's exemption	$221,687	$331,600 Land $75,000 Building $256,600
2023	$3,008.00 (+3.72%) Homeowner's exemption	$209,166 (+3%)	$341,100 (+20.83%) Land $65,000 Building $276,100
2022	$2,900.00 Homeowner's exemption	$203,074	$282,300 Land $60,000 Building $222,300

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

Flood

FEMA maps place 3590 Yellow Bird Ct in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 41 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	41 in force
Nearby Flood Claims	2 (2015–2020)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Jan 2020 · other causes

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

Wildfire risk around 3590 Yellow Bird Ct is high, ranking above 72% of the US, with a 0.3% annual chance of wildfire.

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

Wildfire Risk	High above 72% of the US · above 56% of Florida
Wildfire Likelihood	0.3% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	ST. CLOUD, CITY OF (3 WPS) serves 82,752 people · EPA ID FL3491373
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, 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 199 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 50

May also be available: CenturyLink, Verizon, Xfinity.

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