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3620 Cape Ct, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3620 Cape Ct, Saint Cloud, FL 34772 · Last verified December 2025

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms4 Beds
Bathrooms2 Baths
Year BuiltBuilt 2014
Square Footage2,518 sqft Heated Area
Lot Size12,197 sqft (0.28 acres)
OccupancyOwner Occupied
Last Sale$222,016 (2014)
Tax Bill$3,573.00 (2025)

Property Details

APN / Parcel Number

Primary APN272630017900014900

Interior

Bedrooms4 Beds
Full Baths2 Baths
Building Area2,518 sqft Heated Area
Gross Area3,115 sqft Gross Area
1st Floor2,518 sqft 1st Floor
Stories1 Stories
Primary FlooringTile Flooring
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 2014
Exterior MaterialConcrete Block Exterior
Foundation TypeFooting Foundation
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area12,197 sqft (0.28 acres)
Parking Spaces2 Parking Spaces
Garage TypeFinished Garage
Garage Area436 sqft Garage
PorchOpen Porch
Porch Area161 sqft Porch

Utilities and HVAC

Cooling SystemA/C Package Cooling
Heating SystemHVAC Heating

Location & Zoning

Street Address3620 CAPE CT
CitySAINT CLOUD
StateFL
Zip34772-7820
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionMALLARD POND PH 4A PB 22 PG 74 LOT 490
Legal Range30E
Legal Township26S
Legal Section27
Legal SubdivisionMALLARD POND PHASE 1 - 3
Legal Phase4A
Legal Tract179
Legal Block1
Legal Lot Number490
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup2
Census Block2000
Census Tract43207

Owner

Source: Osceola County records · APN 272630017900014900

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 Address3620 CAPE CT, SAINT CLOUD, FL 34772-7820
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Oct 29, 2025Deed of Trust, Mortgage · Line of Credit
NAVY FCU
Oct 26, 2020Deed of Trust, Mortgage · Conventional Mortgage
FBC MORTGAGE LLC
May 25, 2018Deed of Trust, Mortgage · Line of Credit
NAVY FCU

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleFeb 06, 2014 · Amount on Record
Deed SaleFeb 06, 2014 · Amount on Record
Prior SaleJun 13, 2013 · Amount on Record
Deed Doc Number2014016964
Deed Book / Page4566 / 1311
Record RefreshedJun 08, 2026

October 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address3620 CAPE CT, SAINT CLOUD, FL 34772-7820
Transaction TypeMortgage
Record UpdatedNov 12, 2025

Transferred To (Grantee/Buyer)

NameVerified Name
Address3620 CAPE CT, SAINT CLOUD, FL 34772-7820

Mortgage

Document Number0068721020
DateOct 29, 2025
Book Page6872/1020
Instrument2025133908
Lender
NameNAVY FCU
TypeCredit Union
AddressVIENNA, VA 22180
Agreement
TypeLine of Credit
AmountAmount Recorded
Term481 Months
DueNov 01, 2065
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly (Revolving credit lines are monthly unless stated otherwise).

October 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address3620 CAPE CT, SAINT CLOUD, FL 34772-7820
Transaction TypeMortgage
Record UpdatedAug 01, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address3620 CAPE CT, SAINT CLOUD, FL 34772-7820

Mortgage

Document Number0058190785
DateOct 26, 2020
Book Page5819/785
Instrument2020144465
Lender
NameFBC MORTGAGE LLC
TypeMortgage Company
AddressORLANDO, FL 32801
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term181 Months
DueNov 01, 2035

May 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address3620 CAPE CT, SAINT CLOUD, FL 34772-7820
Document Number0053600725
Instrument DateMay 25, 2018
Transaction TypeMortgage
Record UpdatedJul 24, 2018
Title CompanyFIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband And Wife
Address3620 CAPE CT ST CLOUD FL 347727820, ST CLOUD, FL 34772-7820

Mortgage

Document Number0053600725
DateJul 02, 2018
Book Page005360/000725
Instrument101382
Lender
NameNAVY FCU
TypeCredit Union
AddressVIENNA, VA 22180
Agreement
TypeLine of Credit
AmountAmount Recorded
Term480 Months
DueJul 01, 2058
Interest
Rate TypeAdjustable Rate

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$3,573.00 (+6.28%) Homeowner's exemption$242,540 (+5.99%)$390,900 (+4.6%) Land $70,000 Building $320,900
2023$3,362.00 (+3.64%) Homeowner's exemption$228,840 (+3%)$373,700 (+15.38%) Land $60,000 Building $313,700
2022$3,244.00 Homeowner's exemption$222,175$323,900 Land $55,000 Building $268,900

Flood & Wildfire

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

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

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