3598 Sanctuary Dr, Saint Cloud, FL 34769 Property Records

Osceola County property record for 3598 Sanctuary Dr, Saint Cloud, FL 34769

Property Summary

Property Type	Townhouse
Details	3 bd · 3 ba · 1,832 sqft · built 2017
Lot Size	0.037 acres (1,612 sqft)
Owner	Individual Name on Record
Last Sale	$299,000 (Mar 2022)
Tax Bill	$4,142 (2025)
Deeds & Mortgages	Mar 2022 Sale & Mortgage Sep 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`138519`

Property Details

APN / Parcel Number

Primary APN	`138519`
Alternative APN	`152630005800010640`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,832 sqft Heated Area
Gross Area	2,310 sqft
1st Floor Area	824 sqft
Upper Floors Area	1,008 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Exterior Material	Aluminum Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	1,612 sqft (0.037 acres)
Lot Dimensions	58 ft deep x 28 ft wide
Garage Type	Finished
Garage Area	280 sqft
Porch	Finished/Screened Porch
Porch Area	198 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	138519
Street Address	3598 SANCTUARY DR
City	SAINT CLOUD
State	FL
Zip	34769-7122
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	SR3
Legal Description	SANCTUARY AT SOUTH TOWN PB 18 PG 119 LOT 64
Legal Range	30E
Legal Township	26S
Legal Section	15
Legal Subdivision	SANCTUARY AT SOUTHTOWN TOWNHOMES
Legal Tract	58
Legal Block	1
Legal Lot Number	64
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3033
Census Tract	43208

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
Co-owner	Co-owner on Record
Mailing Address	3598 SANCTUARY DR, SAINT CLOUD, FL 34769-7122
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 7, 2022	Warranty Deed, Transfer · Conventional Mortgage TROPICAL FINANCIAL CU
Sep 20, 2017	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 7, 2022 · Amount on Record
Deed Sale	Mar 7, 2022 · Amount on Record
Prior Sale	Sep 20, 2017 · Amount on Record
Deed Document Number	2022036444
Deed Book / Page	6165 / 1765
Record Updated	Jun 8, 2026

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 7, 2022
Property Address	3598 SANCTUARY DR, SAINT CLOUD, FL 34769-7122
Document Number	0061651765
Book / Page	6165 / 1765
Map Reference	MB 18 PG 119
Instrument Date	Mar 4, 2022
Instrument	2022036444
Transaction Type	Transfer
Record Updated	Jan 10, 2023
Title Company	A CLEAR CHOICE TITLE AND ESCROW, A CLEAR CHOICE T&E OF OSCEOL

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,093.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3624 E GRANT ST, ORLANDO, FL 32812-5190

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7737 N KENDALL DR APT 312, 312, KENDALL, FL 33156-7579

Mortgage

Document Number	0061651766
Date	Mar 7, 2022
Instrument	6165/1766

Lender

Name	TROPICAL FINANCIAL CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 20, 2017
Property Address	3598 SANCTUARY DR, SAINT CLOUD, FL 34769-7122
Document Number	0052100102
Book / Page	5210 / 0102
Map Reference	MB18 PG119
Instrument Date	Sep 18, 2017
Instrument	2017132853
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	OSCEOLA TITLE INS AGENCY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,330.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1136 NEW YORK AVE, 1136, SAINT CLOUD, FL 34769-3782

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3598 SANCTUARY DR, SAINT CLOUD, FL 34769-7122

Mortgage

Document Number	0052100104
Date	Sep 20, 2017
Instrument	5210/0104

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2047

Tax Assessment & Valuation

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	$4,142.00 (+6.18%) Homeowner's exemption	$274,294 (+5.99%)	$280,000 (+8.19%) Land $40,000 Building $240,000
2023	$3,901.00 (+49.58%) Homeowner's exemption	$258,800 (+38.51%) Land $14,900 Building $243,900	$258,800 (+12.77%) Land $14,900 Building $243,900
2022	$2,608.00 Homeowner's exemption	$186,846	$229,500 Land $14,900 Building $214,600

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

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	Low lower than 96% of the US · lower than 96% of Florida
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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 288 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: CenturyLink, Xfinity.

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