Osceola County property record for 3605 Cape Ct, Saint Cloud, FL 34772 · Last verified June 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 2014 |
| Square Footage | 2,547 sqft Living Area |
| Lot Size | 8,276 sqft (0.19 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $440,000 (2022) |
| Tax Bill | $6,297.00 (2025) |
| Primary APN | 27-26-30-0179-0001-5000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 2,547 sqft Living Area |
| Gross Area | 3,321 sqft Gross Area |
| 1st Floor | 2,046 sqft 1st Floor |
| Stories | 2 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2014 |
|---|---|
| Effective Year Built | Effective 2014 |
| Architectural Style | Conventional Style |
| Exterior Material | Concrete Block Exterior |
| Construction Type | Frame Construction |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 8,276 sqft (0.19 acres) |
| Garage Type | Attached Garage |
| Garage Area | 620 sqft Garage |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 3605 CAPE CT |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-7815 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | MALLARD POND PH 4A PB 22 PG 74 LOT 500 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 27 |
| Legal Subdivision | MALLARD POND PH 4A |
| Legal Phase | 4A |
| Legal Block | 1 |
| Legal Lot Number | 500 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 2 |
| Census Block | 2000 |
| Census Tract | 43207 |
Source: Osceola County records · APN 27-26-30-0179-0001-5000
Assessment roll updated November 26, 2025 · Last verified June 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3605 CAPE CT, SAINT CLOUD, FL 34772-7815 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Mar 30, 2022 | Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC |
| Feb 22, 2021 | Deed of Trust, Mortgage · Veterans Administration Mortgage FREEDOM MORTGAGE CORP |
| Apr 20, 2021 | Warranty Deed, Transfer · Conventional Mortgage PENNYMAC LOAN SERVICES LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Mar 30, 2022 · Amount on Record |
| Deed Sale | Mar 30, 2022 · Amount on Record |
| Prior Sale | Apr 20, 2021 · Amount on Record |
| Deed Doc Number | 202250587 |
| Deed Book / Page | 6182 / 2911 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Mar 30, 2022 |
| Property Address | 3605 CAPE CT, SAINT CLOUD, FL 34772-7815 |
| Document Number | 0061822911 |
| Book / Page | 6182 / 2911 |
| Map Reference | MB 22 PG 74 |
| Instrument Date | Mar 28, 2022 |
| Instrument | 2022050587 |
| Transaction Type | Transfer |
| Record Updated | Apr 13, 2022 |
| Title Company | MAGNOLIA CLOSING COMPANY, MAGNOLIA CLOSING CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,080.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5521 POTENZA DR, 5521, SAINT CLOUD, FL 34771-9157 |
| Name | Verified Name |
|---|---|
| Address | 3605 CAPE CT, SAINT CLOUD, FL 34772-7815 |
| Document Number | 0061822913 |
|---|---|
| Date | Mar 30, 2022 |
| Instrument | 6182/2913 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3605 CAPE CT, SAINT CLOUD, FL 34772-7815 |
| Transaction Type | Mortgage |
| Record Updated | Jun 10, 2021 |
| Name | Verified Name |
|---|---|
| Address | 3605 CAPE CT, SAINT CLOUD, FL 34772-7815 |
| Document Number | 0058952769 |
|---|---|
| Date | Feb 22, 2021 |
| Book Page | 5895/2769 |
| Instrument | 2021025252 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Apr 20, 2021 |
| Property Address | 3605 CAPE CT, SAINT CLOUD, FL 34772-7815 |
| Document Number | 0059391280 |
| Book / Page | 5939 / 1280 |
| Map Reference | MB 22 PG 74 |
| Instrument Date | Apr 16, 2021 |
| Instrument | 2021059509 |
| Transaction Type | Transfer |
| Record Updated | Jun 10, 2021 |
| Title Company | UNIK TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,170.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3935 RAMBLER AVE, 3935, SAINT CLOUD, FL 34772-7926 |
| Name | Verified Name |
|---|---|
| Address | 5521 PONTEZA DR, SAINT CLOUD, FL 34771 |
| Document Number | 59391282 |
|---|---|
| Date | Apr 20, 2021 |
| Instrument | 5939/1282 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2051 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified June 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,297.00 (+4.2%) Homeowner's exemption | $394,700 (+4.5%) Land $70,000 Building $324,700 | $394,700 (+4.5%) Land $70,000 Building $324,700 |
| 2023 | $6,043.00 (+2.16%) Homeowner's exemption | $377,700 (+15.15%) Land $60,000 Building $317,700 | $377,700 (+15.15%) Land $60,000 Building $317,700 |
| 2022 | $5,915.00 | $328,000 Land $55,000 Building $273,000 | $328,000 Land $55,000 Building $273,000 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Low above 34% of the US · above 9% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 2,381 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values are read at the parcel center point; lenders make the official flood determination.
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