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3656 Cord Ave, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3656 Cord Ave, Saint Cloud, FL 34772

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,522 sqft · built 2024
Lot Size1 acres (43,560 sqft)
OwnerIndividual Name on Record
Last Sale$135,000 (May 2024)
Tax Bill$5,157 (2025)
Deeds & MortgagesMar 2025 Mortgage
May 2024 Sale
+ 1 more
Flood ZoneZone X (minimal risk)
APN88477

Property Details

APN / Parcel Number

Primary APN88477
Alternative APN
  • 262630344500010310

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,522 sqft Heated Area
Gross Area2,170 sqft
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2024
Exterior MaterialConcrete Block
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area43,560 sqft (1 acres)
Garage TypeFinished
PorchOpen Porch
Patio Area500 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Account Number88477
Street Address3656 CORD AVE
CitySAINT CLOUD
StateFL
Zip34772-8033
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeOARM
Legal DescriptionHORIZON MEADOWS PB 8 PG 139 LOT 31
Legal Range30E
Legal Township26S
Legal Section26
Legal SubdivisionAGRICULTURAL
Legal Tract3445
Legal Block1
Legal Lot Number31
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group2
Census Block2027
Census Tract43304

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 RecordIndividual Name on Record
Mailing Address3204 PARKWOOD CT, KISSIMMEE, FL 34744-9231
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Mar 17, 2025Deed of Trust, Mortgage · Conventional Mortgage
UNITED WHOLESALE MORTGAGE
May 21, 2024Warranty Deed, Transfer
STEWART TITLE COMPANY-F, STEWART TITLE COMPANY
Dec 6, 2023Warranty Deed, Transfer
STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Assessor's Deed Record

Deed NamesName on Deed
Last SaleMay 21, 2024 · Amount on Record
Deed SaleMay 21, 2024 · Amount on Record
Prior SaleDec 6, 2023 · Amount on Record
Deed Document Number2024067087
Deed Book / Page6604 / 272
Record UpdatedJun 8, 2026

March 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address3656 CORD AVE, SAINT CLOUD, FL 34772-8033
Transaction TypeMortgage
Record UpdatedDec 12, 2025

Transferred To (Grantee/Buyer)

NameVerified Name
Address3656 CORD AVE, SAINT CLOUD, FL 34772-8033

Mortgage

Document Number0067551029
DateMar 17, 2025
Book Page6755/1029
Instrument2025033055
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
AddressPONTIAC, MI 48341
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueApr 1, 2055

May 2024: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateMay 21, 2024
Property Address3656 CORD AVE, SAINT CLOUD, FL 34772-8033
Document Number0066040272
Book / Page6604 / 272
Map ReferenceMB 8 PG 139
Instrument DateMay 15, 2024
Instrument2024067087
Transaction TypeTransfer
Record UpdatedDec 12, 2025
Title CompanySTEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

AmountAmount Recorded
Tax$945.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1136 NEW YORK AVE, SAINT CLOUD, FL 34769-3782

Transferred To (Grantee/Buyer)

NameVerified Name
Address3204 PARKWOOD CT, KISSIMMEE, FL 34744-9231

December 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateDec 6, 2023
Property Address3656 CORD AVE, SAINT CLOUD, FL 34772-8033
Document Number0065141553
Book / Page6514 / 1553
Map ReferenceMB 8 PG 139
Instrument DateNov 28, 2023
Instrument2023158673
Transaction TypeTransfer
Record UpdatedDec 12, 2025
Title CompanySTEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

AmountAmount Recorded
Tax$4,200.00
Amount AccuracyRounded by County
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name
AddressPO BOX 423081, KISSIMMEE, FL 34742-3081

Transferred To (Grantee/Buyer)

NameVerified Name
Address1136 NEW YORK AVE, SAINT CLOUD, FL 34769-3782
InvestorPossibly a Property Investor

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 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$5,157.00 (+257,75%)$320,800 (+160,3%) Land $50,500 Building $270,300$320,800 (+1,504%) Land $50,500 Building $270,300
2023$2.00$200 (-) Land $200$20,000 (-)
2022$2.00$200 Land $200$20,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 36 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies36 in force

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 53% of the US · lower than 75% of Florida
Wildfire Likelihood0.2% annual chance
ExposureNone
beyond ember reach

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 SystemST. CLOUD, CITY OF (3 WPS)
serves 82,752 people · EPA ID FL3491373
Water SourceGroundwater
Last State InspectionJul 2025
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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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