3600 Sanctuary Dr, Saint Cloud, FL 34769 Property Records

Osceola County property record for 3600 Sanctuary Dr, Saint Cloud, FL 34769

Property Summary

Property Type	Townhouse
Details	3 bd · 3 ba · 1,696 sqft · built 2017
Lot Size	0.037 acres (1,612 sqft)
Owner	Individual Name on File
Last Sale	$324,000 (Sep 2022)
Tax Bill	$3,827 (2025)
Deeds & Mortgages	Sep 2022 Sale & Mortgage May 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`138520`

Property Details

APN / Parcel Number

Primary APN	`138520`
Alternative APN	`152630005800010650`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,696 sqft Heated Area
Gross Area	1,934 sqft
1st Floor Area	920 sqft
Upper Floors Area	776 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	220 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Open Porch
Porch Area	18 sqft
Patio Area	133 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	138520
Street Address	3600 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 65
Legal Range	30E
Legal Township	26S
Legal Section	15
Legal Subdivision	SANCTUARY AT SOUTHTOWN TOWNHOMES
Legal Tract	58
Legal Block	1
Legal Lot Number	65
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3033
Census Tract	43208

Owner

3600 Sanctuary Dr, a townhouse, is owned and occupied by an individual who bought it in September 2022.

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

Owner of Record	Individual Name on File
Mailing Address	3600 SANCTUARY DR, SAINT CLOUD, FL 34769-7122
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Sep 15, 2022	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
May 7, 2021	Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Sep 26, 2017	Warranty Deed, Transfer · VA Mortgage NORTHPOINT MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 15, 2022 · Amount on File
Deed Sale	Sep 15, 2022 · Amount on File
Prior Sale	Sep 26, 2017 · Amount on File
Deed Document Number	2022140434
Deed Book / Page	6286 / 2057
Record Updated	Jun 8, 2026

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 15, 2022
Property Address	3600 SANCTUARY DR, SAINT CLOUD, FL 34769-7122
Document Number	0062862057
Book / Page	6286 / 2057
Map Reference	MB 18 PG 119
Instrument Date	Aug 30, 2022
Instrument	2022140434
Transaction Type	Transfer
Record Updated	Sep 29, 2022
Title Company	SIMPLY TITLE LLC, SIMPLY TITLE LLC KISSIMMEE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,268.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3600 SANCTUARY DR, 3600, SAINT CLOUD, FL 34769-7122

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3600 SANCTUARY DR, SAINT CLOUD, FL 34769-7122

Mortgage

Document Number	0062862059
Date	Sep 15, 2022
Instrument	6286/2059

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2052

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3600 SANCTUARY DR, SAINT CLOUD, FL 34769-7122
Transaction Type	Mortgage
Record Updated	May 26, 2021
Title Company	FIDELITY NATIONAL TITLE-OR, FIDELITY NATIONAL TTL OF OR

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3600 SANCTUARY DR, SAINT CLOUD, FL 34769-7122

Mortgage

Document Number	0059531938
Date	May 7, 2021
Book Page	5953/1938
Instrument	2021070865

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2051

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 26, 2017
Property Address	3600 SANCTUARY DR, SAINT CLOUD, FL 34769-7122
Document Number	0052121864
Book / Page	5212 / 1864
Map Reference	MB18 PG119
Instrument Date	Sep 22, 2017
Instrument	2017135685
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	OSCEOLA TITLE INS AGENCY INC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,393.00
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	3600 SANCTUARY DR, SAINT CLOUD, FL 34769-7122

Mortgage

Document Number	0052121866
Date	Sep 26, 2017
Instrument	5212/1866

Lender

Name	NORTHPOINT MORTGAGE INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 3600 Sanctuary Dr was $3,827 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	$3,827.00 Homeowner's exemption	$256,700	$263,700 Land $40,000 Building $223,700
2023	$3,603.00 (+58.3%) Homeowner's exemption	$242,200 (+43.77%) Land $14,900 Building $227,300	$242,200 (+12.65%) Land $14,900 Building $227,300
2022	$2,276.00 Homeowner's exemption	$168,459	$215,000 Land $14,900 Building $200,100

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

Flood

FEMA maps place 3600 Sanctuary Dr in Zone X, an area of minimal flood risk.

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 File 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

Wildfire risk around 3600 Sanctuary Dr is low, with a 0.01% annual chance of 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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