3689 Vega Creek Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3689 Vega Creek Dr, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,662 sqft · built 2019
Lot Size	0.169 acres (7,405 sqft)
Owner	2 Individual Names on Record
Last Sale	$310,400 (May 2019)
Tax Bill	$3,934 (2025)
Deeds & Mortgages	Mar 2023 Line of Credit Jan 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`352630096500012500`

Property Details

APN / Parcel Number

Primary APN	`352630096500012500`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,662 sqft Heated Area
Gross Area	3,461 sqft
1st Floor Area	2,662 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,405 sqft (0.169 acres)
Garage Type	Finished
Garage Area	447 sqft

Exterior Amenities

Pool Area	288 sqft
Porch	Open Porch
Porch Area	202 sqft
Deck Area	811 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3689 VEGA CREEK DR
City	SAINT CLOUD
State	FL
Zip	34772-8383
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WHALEYS CREEK PH 2 PB 25 PGS 95-101 LOT 250
Legal Range	30E
Legal Township	26S
Legal Section	35
Legal Subdivision	WHALEYS CREEK PH 1 2 & 3
Legal Phase	2
Legal Tract	965
Legal Lot Number	250
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2011
Census Tract	43304

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 Record	2 Individual Names on Record
Mailing Address	3689 VEGA CREEK DR, SAINT CLOUD, FL 34772-8383
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 29, 2023	Deed of Trust, Mortgage · Line of Credit USF FCU
Jan 3, 2022	Deed of Trust, Mortgage · FHA Mortgage ZILLOW HOME LOANS LLC
Jul 31, 2020	Deed of Trust, Mortgage · Line of Credit USF FCU
Apr 7, 2022	Deed of Trust, Mortgage · Line of Credit USF FCU
May 29, 2019	Grant Deed, Transfer · Conventional Mortgage FAIRWINDS CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 29, 2019 · Amount on Record
Deed Sale	May 29, 2019 · Amount on Record
Deed Document Number	2019068646
Deed Book / Page	5531 / 0752
Record Updated	Jun 8, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3689 VEGA CREEK DR, SAINT CLOUD, FL 34772-8383
Transaction Type	Mortgage
Record Updated	Apr 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3689 VEGA CREEK DR, SAINT CLOUD, FL 34772-8383
Investor	Possibly a Property Investor

Mortgage

Document Number	0063772190
Date	Mar 29, 2023
Book Page	6377/2190
Instrument	2023035001

Lender

Name	USF FCU
Type	Credit Union
Address	TAMPA, FL 33646

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Mar 20, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3689 VEGA CREEK DR, SAINT CLOUD, FL 34772-8383
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3689 VEGA CREEK DR, SAINT CLOUD, FL 34772-8383

Mortgage

Document Number	0061201583
Date	Jan 3, 2022
Book Page	6120/1583
Instrument	2022000278

Lender

Name	ZILLOW HOME LOANS LLC
Type	Mortgage Company
Address	LEAWOOD, KS 66211

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Dec 1, 2051

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3689 VEGA CREEK DR, SAINT CLOUD, FL 34772-8383
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0057661013
Date	Jul 31, 2020
Book Page	5766/1013
Instrument	2020100485

Lender

Name	USF FCU
Type	Credit Union
Address	MANITOWISH WATERS, WI 54545

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jul 14, 2045

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3689 VEGA CREEK DR, SAINT CLOUD, FL 34772-8383
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3689 VEGA CREEK DR, SAINT CLOUD, FL 34772-8383

Mortgage

Document Number	0061892639
Date	Apr 7, 2022
Book Page	6189/2639
Instrument	2022055865

Lender

Name	USF FCU
Type	Credit Union
Address	TAMPA, FL 33612

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	Mar 7, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 29, 2019
Property Address	3689 VEGA CREEK DR, SAINT CLOUD, FL 34772-8383
Document Number	0055310752
Book / Page	005531 / 000752
Instrument Date	May 23, 2019
Instrument	68646
Transaction Type	Transfer
Record Updated	Jun 21, 2019
Title Company	CALATLANTIC TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,172.80
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3689 VEGA CREEK DR ST CLOUD FL 347728383, ST CLOUD, FL 34772-8383

Mortgage

Document Number	55310756
Date	May 29, 2019
Book Page	005531/000756
Instrument	68647

Lender

Name	FAIRWINDS CU
Address	ORLANDO, FL 32826

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 28, 2049

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Municipality	St. Cloud City
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,934.00 (+6.21%) Homeowner's exemption	$262,677 (+5.99%)	$434,400 (+3.5%) Land $70,000 Building $364,400
2023	$3,704.00 (+3.55%) Homeowner's exemption	$247,840 (+3%)	$419,700 (+9.5%) Land $65,000 Building $354,700
2022	$3,577.00 Homeowner's exemption	$240,622	$383,300 Land $60,000 Building $323,300

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 Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 36 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	36 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 Risk	Low lower than 65% of the US · lower than 91% of Florida
Wildfire Likelihood	0.06% annual chance
Exposure	Direct 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 System	ST. CLOUD, CITY OF (3 WPS) serves 82,752 people · EPA ID FL3491373
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	2 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 322 locations within half a mile, as of December 31, 2025

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

May also be available: AT&T, Xfinity.

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