3603 Yellow Bird Ct, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3603 Yellow Bird Ct, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,562 sqft · built 2001
Lot Size	0.198 acres (8,625 sqft)
Owner	Individual Name on Record
Last Sale	$263,000 (Jan 2021)
Tax Bill	$4,375 (2025)
Deeds & Mortgages	Jan 2021 Sale & Mortgage Mar 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`85480`

Property Details

APN / Parcel Number

Primary APN	`85480`
Alternative APN	`162630057900013050`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,562 sqft Heated Area
Gross Area	2,098 sqft
1st Floor Area	1,562 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2001
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	116 sqft
Patio Area	200 sqft
Fence	Fence
Shed	1 Shed
Shed Area	96 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	85480
Street Address	3603 YELLOW BIRD CT
City	SAINT CLOUD
State	FL
Zip	34772-7726
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 305
Legal Range	30E
Legal Township	26S
Legal Section	16
Legal Subdivision	CANOE CREEK LAKES
Legal Tract	579
Legal Block	1
Legal Lot Number	305
Legal Unit	FO
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2007
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	3603 YELLOW BIRD CT, SAINT CLOUD, FL 34772-7726
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 19, 2021	Warranty Deed, Transfer · FHA Mortgage AMERICAN FINANCIAL NETWORK INC
Mar 4, 2020	Deed of Trust, Mortgage · FHA Mortgage MR COOPER
May 22, 2019	Deed of Trust, Mortgage · FHA Mortgage MR COOPER

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 19, 2021 · Amount on Record
Deed Sale	Jan 19, 2021 · Amount on Record
Prior Sale	Sep 13, 2001 · Amount on Record
Deed Document Number	2021007713
Deed Book / Page	5872 / 1897
Record Updated	Jun 8, 2026

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 19, 2021
Property Address	3603 YELLOW BIRD CT, SAINT CLOUD, FL 34772-7726
Document Number	0058721897
Book / Page	5872 / 1897
Map Reference	MB 11 PG 140
Instrument Date	Jan 15, 2021
Instrument	2021007713
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	LAND TITLE CORPORATION, LAND TITLE PROFESSIONALS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,841.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3603 YELLOW BIRD CT, 3603, SAINT CLOUD, FL 34772-7726

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3603 YELLOW BIRD CT, SAINT CLOUD, FL 34772-7726

Mortgage

Document Number	0058721899
Date	Jan 19, 2021
Instrument	5872/1899

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3603 YELLOW BIRD CT, SAINT CLOUD, FL 34772-7726
Document Number	0056900991
Instrument Date	Mar 4, 2020
Transaction Type	Mortgage
Record Updated	May 22, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3603 YELLOW BIRD CT ST CLOUD FL 347727726, ST CLOUD, FL 34772-7726

Mortgage

Document Number	0056900991
Date	Mar 11, 2020
Book Page	005690/000991
Instrument	35595

Lender

Name	MR COOPER
Address	DALLAS, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 10, 2050

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3603 YELLOW BIRD CT, SAINT CLOUD, FL 34772-7726
Document Number	0055322973
Instrument Date	May 22, 2019
Transaction Type	Mortgage
Record Updated	Jun 20, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3603 YELLOW BIRD CT ST CLOUD FL 347727726, ST CLOUD, FL 34772-7726

Mortgage

Document Number	0055322973
Date	May 31, 2019
Book Page	005532/002973
Instrument	70001

Lender

Name	MR COOPER
Address	DALLAS, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 30, 2049

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	$4,375.00 (+6.11%) Homeowner's exemption	$287,325 (+5.99%)	$308,100 (-2.38%) Land $75,000 Building $233,100
2023	$4,123.00 (+3.49%) Homeowner's exemption	$271,096 (+3%)	$315,600 (+19.91%) Land $65,000 Building $250,600
2022	$3,984.00 Homeowner's exemption	$263,200 Land $60,000 Building $203,200	$263,200 Land $60,000 Building $203,200

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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

Wildfire Risk	Moderate above 66% of the US · above 44% of Florida
Wildfire Likelihood	0.2% 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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