Osceola County property record for 3681 Cabo Ln, Saint Cloud, FL 34772 · Last verified December 2025
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,972 sqft · built 2016 |
| Lot Size | 0.189 acres (8,276 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $241,000 (Apr 2017) |
| Tax Bill | $3,516 (2025) |
| Deeds & Mortgages | Oct 2025 Mortgage Feb 2024 Mortgage + 6 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 352630096400014170 |
| Primary APN | 352630096400014170 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,972 sqft Heated Area |
| Gross Area | 2,588 sqft |
| 1st Floor Area | 1,972 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2016 |
|---|---|
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 8,276 sqft (0.189 acres) |
| Garage Type | Finished |
| Garage Area | 438 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 178 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 3681 CABO LN |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-8157 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WHALEYS CREEK PH 1 PB 24 PGS 161-167 LOT 417 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 35 |
| Legal Subdivision | WHALEYS CREEK PH 1 2 & 3 |
| Legal Phase | 1 |
| Legal Tract | 964 |
| Legal Lot Number | 417 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 43304 |
Source: Osceola County records · APN 352630096400014170
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 Record | 2 Individual Names on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 3681 CABO LN, SAINT CLOUD, FL 34772-8157 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 24, 2025 | Deed of Trust, Mortgage · FHA Mortgage OUTAMATION INC |
| Feb 29, 2024 | Deed of Trust, Mortgage · FHA Mortgage LOANCARE LLC |
| Feb 09, 2023 | Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Feb 09, 2023 | Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Aug 16, 2018 | Deed of Trust, Mortgage · FHA Mortgage RP FUNDING INC |
| Aug 13, 2018 | Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV |
| May 17, 2017 | Correction Deed PGP TITLE |
| Nov 22, 2016 | Deed of Trust, Mortgage · FHA Mortgage RP FNDG |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 19, 2017 · Amount on Record |
| Deed Sale | Apr 19, 2017 · Amount on Record |
| Deed Document Number | 0005150151 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3681 CABO LN, SAINT CLOUD, FL 34772-8157 |
| Transaction Type | Mortgage |
| Record Updated | Nov 05, 2025 |
| Name | Verified Name |
|---|---|
| Address | 3681 CABO LN, SAINT CLOUD, FL 34772-8157 |
| Document Number | 0068700279 |
|---|---|
| Date | Oct 24, 2025 |
| Book Page | 6870/279 |
| Instrument | 2025132117 |
| Name | OUTAMATION INC |
|---|---|
| Type | Non-Lending Institution |
| Address | SOUTHLAKE, TX 76092 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 310 Months |
| Due | Aug 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3681 CABO LN, SAINT CLOUD, FL 34772-8157 |
| Transaction Type | Mortgage |
| Record Updated | Mar 22, 2024 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 3681 CABO LN, SAINT CLOUD, FL 34772-8157 |
| Document Number | 0065570625 |
|---|---|
| Date | Feb 29, 2024 |
| Book Page | 6557/625 |
| Instrument | 2024026499 |
| Name | LOANCARE LLC |
|---|---|
| Type | Mortgage Company |
| Address | 3637 SENTARA WAY, VIRGINIA BEACH, VA 23452 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 330 Months |
| Due | Aug 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3681 CABO LN, SAINT CLOUD, FL 34772-8157 |
| Transaction Type | Mortgage |
| Record Updated | Mar 01, 2023 |
| Name | Verified Name |
|---|---|
| Address | 2451 BITTLE WAY, SAINT CLOUD, FL 34769-6541 |
| Document Number | 0063561205 |
|---|---|
| Date | Feb 09, 2023 |
| Book Page | 6356/1205 |
| Instrument | 2023016259 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 350 Months |
| Due | Apr 01, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3681 CABO LN, SAINT CLOUD, FL 34772-8157 |
| Transaction Type | Mortgage |
| Record Updated | Mar 01, 2023 |
| Name | Verified Name |
|---|---|
| Address | 3681 CABO LN, SAINT CLOUD, FL 34772-8157 |
| Document Number | 0063561036 |
|---|---|
| Date | Feb 09, 2023 |
| Book Page | 6356/1036 |
| Instrument | 2023016214 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 342 Months |
| Due | Aug 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3681 CABO LN, SAINT CLOUD, FL 34772-8157 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0053852056 |
|---|---|
| Date | Aug 16, 2018 |
| Book Page | 5385/2056 |
| Instrument | 2018124851 |
| Name | RP FUNDING INC |
|---|---|
| Type | Mortgage Company |
| Address | MAITLAND, FL 32751 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 340 Months |
| Due | Dec 01, 2046 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3681 CABO LN, SAINT CLOUD, FL 34772-8157 |
| Document Number | 0053952683 |
| Instrument Date | Aug 13, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Nov 22, 2018 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Address | 3681 CABO LN ST CLOUD FL 347728157, ST CLOUD, FL 34772-8157 |
| Document Number | 0053952683 |
|---|---|
| Date | Sep 05, 2018 |
| Book Page | 005395/002683 |
| Instrument | 133690 |
| Name | HUD-HOUSING/URBAN DEV |
|---|---|
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 336 Months |
| Due | Sep 04, 2046 |
| Document Type | Correction Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | May 17, 2017 |
| Property Address | 3681 CABO LN, SAINT CLOUD, FL 34772-8157 |
| Document Number | 0051500151 |
| Book / Page | 005150 / 000151 |
| Instrument Date | Apr 19, 2017 |
| Instrument | 73097 |
| Record Updated | Feb 04, 2019 |
| Title Company | PGP TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,687.00 |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3681 CABO LN ST CLOUD FL 347728157, ST CLOUD, FL 34772-8157 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3681 CABO LN, SAINT CLOUD, FL 34772-8157 |
| Document Number | 0051500153 |
| Instrument Date | Nov 22, 2016 |
| Transaction Type | Mortgage |
| Record Updated | Nov 16, 2018 |
| Title Company | PGP TITLE/FL INC |
| Name | Verified Name |
|---|---|
| Address | 3681 CABO LN ST CLOUD FL 347728157, ST CLOUD, FL 34772-8157 |
| Document Number | 0051500153 |
|---|---|
| Date | May 17, 2017 |
| Book Page | 005150/000153 |
| Instrument | 73098 |
| Name | RP FNDG |
|---|---|
| Type | Funding / Finance Company |
| Address | MAITLAND, FL 32751 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 16, 2047 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| 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 | $3,516.00 (+6.29%) Homeowner's exemption | $239,338 (+5.99%) | $338,000 (+3.55%) Land $70,000 Building $268,000 |
| 2023 | $3,308.00 (+3.67%) Homeowner's exemption | $225,819 (+3%) | $326,400 (+10.16%) Land $65,000 Building $261,400 |
| 2022 | $3,191.00 Homeowner's exemption | $219,242 | $296,300 Land $60,000 Building $236,300 |
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 |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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; lenders make the official flood determination.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures