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3602 Bristol Cove Ln, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3602 Bristol Cove Ln, Saint Cloud, FL 34772 · Last verified December 2025

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 2,791 sqft · built 2021
Lot Size0.28 acres (12,197 sqft)
OwnerIndividual Name on File
Last Sale$318,263 (Feb 2021)
Tax Bill$5,622 (2025)
Deeds & MortgagesFeb 2021 Sale & Mortgage
Flood ZoneZone A (high risk)
APN272630009800010920

Property Details

APN / Parcel Number

Primary APN272630009800010920

Interior

Bedrooms4 Beds
Full Baths3 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area2,791 sqft Heated Area
Gross Area3,312 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2021
Exterior MaterialStucco
Construction TypeFrame
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area12,197 sqft (0.28 acres)
Garage TypeFinished

Exterior Amenities

PorchOpen Porch
Patio Area380 sqft
FenceFence
Shed1 Shed
Shed Area80 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHVAC

Location & Zoning

Street Address3602 BRISTOL COVE LN
CitySAINT CLOUD
StateFL
Zip34772-8266
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionBRISTOL COVE AT DEER CREEK PH 3 TRACT B PB 28 PG 184 LOT 92
Legal Range30E
Legal Township26S
Legal Section27
Legal SubdivisionBRISTOL COVE AT DEER CREEK PHASE 1 - 3
Legal Phase3
Legal TractB
Legal Lot Number92
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group2
Census Block2012
Census Tract43207

Owner

Source: Osceola County records · APN 272630009800010920

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 RecordIndividual Name on File
Co-ownerVerified Secondary Owner
Mailing Address3602 BRISTOL COVE LN, SAINT CLOUD, FL 34772-8266
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleFeb 02, 2021 · Amount on Record
Deed SaleFeb 02, 2021 · Amount on Record
Deed Document Number2021014533
Deed Book / Page5882 / 550
Record UpdatedJun 08, 2026

February 2021: Special Warranty Deed, Subdivision Related Transfer

Document TypeSpecial Warranty Deed
JurisdictionOSCEOLA FL
Recording DateFeb 02, 2021
Property Address3602 BRISTOL COVE LN, SAINT CLOUD, FL 34772-8266
Document Number0058820550
Book / Page5882 / 550
Map ReferenceMB 28 PG 184
Instrument DateJan 29, 2021
Instrument2021014533
Transaction TypeSubdivision Related Transfer
Record UpdatedJan 10, 2023
Title CompanyDO NO USE, AMERICAN HOME T&E CO

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,228.10
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address10225 FORTUNE PKWY # 150, 150, JACKSONVILLE, FL 32256-3520

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address3602 BRISTOL COVE LN, SAINT CLOUD, FL 34772-8266

Mortgage

Document Number0005882551
DateFeb 02, 2021
Instrument5882/551
Lender
NameHOME AMERICAN MORTGAGE CORP
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueFeb 01, 2051

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola 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.

YearTax BillAssessed ValueAssessed Market Value
2025$5,622.00 (+5.96%) Homeowner's exemption$356,974 (+5.99%)$392,200 (-3.33%) Land $70,000 Building $322,200
2023$5,306.00 (+3.37%) Homeowner's exemption$336,810 (+3%)$405,700 (+24.07%) Land $65,000 Building $340,700
2022$5,133.00 Homeowner's exemption$327,000 Land $55,000 Building $272,000$327,000 Land $55,000 Building $272,000

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 120970432072, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone A
Special Flood Hazard AreaYes
Flood HazardHigh
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood ElevationNot determined for this zone
Flood Insurance RequirementRequired (federally backed mortgages)
Flood Insurance CostPremium on Record
median of 66 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies66 in force
Nearby Flood Claims2 (2017–2024)
Claims Outside the SFHA1 of 2
Most Recent ClaimOct 2024, other causes, Hurricane Milton

Wildfire

Wildfire RiskHigh
above 73% of the US · above 56% of Florida
Wildfire LikelihoodAbout 1 in 293 per year
ExposureDirect
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 257 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
AT&TFiber5,000 / 5,000
SpectrumCable1,000 / 35

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

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