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3649 Cord Ave, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3649 Cord Ave, Saint Cloud, FL 34772

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,467 sqft · built 1994
Lot Size0.633 acres (27,573 sqft)
Owner2 Individual Names on Record
Last Sale$326,000 (Dec 2021)
Tax Bill$3,575 (2025)
Deeds & MortgagesAug 2026 Line of Credit
Mar 2026 Transfer
+ 1 more
Flood ZoneZone X (minimal risk)
APN36-26-30-2820-000B-0150

Property Details

APN / Parcel Number

Primary APN36-26-30-2820-000B-0150
Alternative APNs
  • 2630362820000B0150
  • 88811

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,467 sqft Living Area
Gross Area2,194 sqft
1st Floor Area1,467 sqft
FlooringCarpet
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1994
Effective Year BuiltEffective 2001
Architectural StyleConventional
Exterior MaterialConcrete Block
Construction TypeMasonry / Concrete Block
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area27,573 sqft (0.633 acres)
Garage TypeAttached
Garage Area441 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

PorchFlorida Room
Porch Area286 sqft
Patio Area96 sqft
Shed1 Shed
Shed Area200 sqft
Pole Barn720 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address3649 CORD AVE
CitySAINT CLOUD
StateFL
Zip34772-8315
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeOA2M
Legal DescriptionCITRO MANOR RESUB PB 1 PG 435 BLK B LOTS 15 & 16 AND VAC JAY DR ABUTTING THE SOUTH SIDE
Legal Range30E
Legal Township26S
Legal Section36
Legal SubdivisionCITRO MANOR
Legal Tract2820
Legal BlockB
Legal Lot Number15
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1045
Census Tract43304

Owner

Source: Osceola County records, as of September 24, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on Record
Mailing Address3649 CORD AVE, SAINT CLOUD, FL 34772-8315
OccupancyOwner Occupied
Owner TypeIndividual
VestingSingle

Deeds, Mortgages & Sale History

DateDocument
Aug 12, 2026Deed of Trust, Mortgage · Line of Credit
FIGURE LENDING LLC
Mar 16, 2026Intrafamily Transfer, Transfer
Dec 13, 2021Warranty Deed, Transfer · Conventional Mortgage
ANGEL OAK MORTGAGE SOLUTIONS LLC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleDec 13, 2021 · Amount on Record
Deed SaleDec 13, 2021 · Amount on Record
Deed Document Number2021191752
Deed Book / Page6106 / 1303
Last Transfer DateMar 13, 2026
Transfer Doc0069371264
Record UpdatedOct 29, 2026

August 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Recording DateAug 12, 2026
Property Address3649 CORD AVE, SAINT CLOUD, FL 34772-8315
Document Number0000105187
Book / Page7018 / 2174
Instrument DateJul 29, 2026
Instrument2026105187
Transaction TypeMortgage
Record UpdatedAug 25, 2026
Title CompanyTITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transferred To (Grantee/Buyer)

NameVerified Name
Address3649 CORD AVE, SAINT CLOUD, FL 34772-8315

Mortgage

Document Number0000105187,
DateAug 12, 2026
Book Page7018/2174
Instrument2026105187
Lender
NameFIGURE LENDING LLC
Agreement
TypeLine of Credit
AmountAmount Recorded
Term360 Months
DueAug 24, 2056
Interest
Max Rate-1%

March 2026: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionOSCEOLA FL
Recording DateMar 16, 2026
Property Address3649 CORD AVE, SAINT CLOUD, FL 34772-8315
Document Number0069371264
Book / Page6937 / 1264
Map ReferenceMB 1 PG 435
Instrument DateMar 13, 2026
Instrument2026033841
Transaction TypeTransfer
Record UpdatedMar 30, 2026

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address3649 CORD AVE, SAINT CLOUD, FL 34772-8315

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address3649 CORD AVE, SAINT CLOUD, FL 34772-8315

December 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateDec 13, 2021
Property Address3649 CORD AVE, SAINT CLOUD, FL 34772-8315
Document Number0061061303
Book / Page6106 / 1303
Map ReferenceMB 1 PG 435
Instrument DateDec 10, 2021
Instrument2021191752
Transaction TypeTransfer
Record UpdatedDec 24, 2021
Title CompanyA CLEAR CHOICE TITLE AND ESCROW, A CLEAR CHOICE T&E OF OSCEOL

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,282.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address275 DATE PALM RD APT 603, 275, VERO BEACH, FL 32963-1558

Transferred To (Grantee/Buyer)

NameVerified Name
Address3469 CORD AVE, SAINT CLOUD, FL 34772-8022

Mortgage

Document Number0061061304
DateDec 13, 2021
Instrument6106/1304
Lender
NameANGEL OAK MORTGAGE SOLUTIONS LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJan 1, 2052

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$3,575.00 (+5.33%) Homeowner's exemption$247,480 (+5.99%)$279,400 (+8.21%) Land $50,000 Building $229,400
2024$3,394.00 (+2.2%)
2023$3,321.00 (+4.34%) Homeowner's exemption$233,501 (+3%)$258,200 (+13.9%) Land $40,000 Building $218,200
2022$3,183.00 Homeowner's exemption$226,700 Land $40,000 Building $186,700$226,700 Land $40,000 Building $186,700

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 59 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies59 in force
Nearby Flood Claims1 (2017)
Most Recent ClaimSep 2017 · Hurricane Irma

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 RiskModerate
above 51% of the US · lower than 78% of Florida
Wildfire Likelihood0.1% annual chance
ExposureDirect
burnable vegetation

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 SystemTOHO WATER AUTHORITY-POINCIANA SYSTEM
public/private · serves 69,447 people · EPA ID FL3494429
Water SourceGroundwater
Last State InspectionMar 2024
LeadUnder 1 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 134 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
CenturyLink
Fiber		2,000 / 1,000
Spectrum
Cable		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20

May also be available: Xfinity.

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