Osceola County property record for 3678 Cabo Ln, Saint Cloud, FL 34772 · Last verified April 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,972 sqft · built 2016 |
| Lot Size | 0.14 acres (6,098 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $310,000 (May 2021) |
| Tax Bill | $5,379 (2025) |
| Deeds & Mortgages | May 2021 Sale & Mortgage Mar 2018 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 35-26-30-0964-0001-4120 |
| Primary APN | 35-26-30-0964-0001-4120 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,972 sqft Living Area |
| Gross Area | 2,468 sqft |
| 1st Floor Area | 1,972 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2016 |
|---|---|
| Effective Year Built | Effective 2016 |
| Architectural Style | Conventional |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 6,098 sqft (0.14 acres) |
| Garage Type | Attached |
| Garage Area | 438 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 58 sqft |
| Patio Area | 120 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 3678 CABO LN |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-8156 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WHALEYS CREEK PH 1 PB 24 PGS 161-167 LOT 412 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 35 |
| Legal Subdivision | WHALEYS CREEK PH 1 |
| Legal Phase | 1 |
| Legal Tract | 964 |
| Legal Block | 4120 |
| Legal Lot Number | 412 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2013 |
| Census Tract | 43304 |
Source: Osceola County records · APN 35-26-30-0964-0001-4120
Assessment roll updated November 26, 2025 · Last verified April 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 | 3678 CABO LN, SAINT CLOUD, FL 34772-8156 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 07, 2021 | Warranty Deed, Transfer · FHA Mortgage PRIMARY RESIDENTIAL MORTGAGE INC |
| Mar 16, 2018 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 07, 2021 · Amount on Record |
| Deed Sale | May 07, 2021 · Amount on Record |
| Prior Sale | Nov 29, 2016 · Amount on Record |
| Deed Document Number | 202170616 |
| Deed Book / Page | 5953 / 1207 |
| Prior Transfer Date | Mar 12, 2018 |
| Prior Transfer Doc | 0053021605 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | May 07, 2021 |
| Property Address | 3678 CABO LN, SAINT CLOUD, FL 34772-8156 |
| Document Number | 0059531207 |
| Book / Page | 5953 / 1207 |
| Map Reference | MB 24 PG 161-167 |
| Instrument Date | Apr 23, 2021 |
| Instrument | 2021070616 |
| Transaction Type | Transfer |
| Record Updated | May 26, 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 | 5313 JUBILOSO DR, 5313, SAINT CLOUD, FL 34771-8745 |
| Name | Verified Name |
|---|---|
| Address | 3678 CABO LN, SAINT CLOUD, FL 34772-8156 |
| Document Number | 59531209 |
|---|---|
| Date | May 07, 2021 |
| Instrument | 5953/1209 |
| Name | PRIMARY RESIDENTIAL MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 01, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Mar 16, 2018 |
| Property Address | 3678 CABO LN, SAINT CLOUD, FL 34772-8156 |
| Document Number | 0053021605 |
| Book / Page | 005302 / 001605 |
| Instrument Date | Mar 12, 2018 |
| Instrument | 43484 |
| Transaction Type | Transfer |
| Record Updated | Apr 16, 2018 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3678 CABO LN ST CLOUD FL 347728156, ST CLOUD, FL 34772-8156 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 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 | $5,379.00 (+0.65%) Homeowner's exemption | $343,400 (+3.5%) Land $70,000 Building $273,400 | $343,400 (+3.5%) Land $70,000 Building $273,400 |
| 2024 | $5,344.00 (+2.45%) | ||
| 2023 | $5,216.00 (-4.06%) Homeowner's exemption | $331,800 (+10.05%) Land $65,000 Building $266,800 | $331,800 (+10.05%) Land $65,000 Building $266,800 |
| 2022 | $5,437.00 | $301,500 Land $60,000 Building $241,500 | $301,500 Land $60,000 Building $241,500 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970433042, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Cost | Premium on Record median of 36 individual NFIP policies nearby |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 36 in force |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 322 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Lumen Technologies | Fiber | 2,000 / 1,000 |
| Spectrum | Cable | 1,000 / 1,000 |
| Verizon | Fixed Wireless | 300 / 20 |
May also be available at this address: AT&T, Xfinity. Availability varies by address; speeds are provider-advertised maximums, not measured.
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