3704 Mystic Pl, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3704 Mystic Pl, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,859 sqft · built 2012
Lot Size	0.173 acres (7,579 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,041 (2025)
Deeds & Mortgages	Mar 2023 Line of Credit Jan 2020 Mortgage + 2 more
Flood Zone	Zone A (high risk)
APN	`156303`

Property Details

APN / Parcel Number

Primary APN	`156303`
Alternative APN	`342630007800012410`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,859 sqft Heated Area
Gross Area	2,767 sqft
1st Floor Area	1,859 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2012
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,579 sqft (0.173 acres)
Lot Dimensions	121 ft deep x 62.5 ft wide
Garage Type	Finished
Garage Area	438 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Screened Porch
Porch Area	470 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	156303
Street Address	3704 MYSTIC PL
City	SAINT CLOUD
State	FL
Zip	34772-8260
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SPUD
Legal Description	ESPRIT PHASE 2 PB 20 PG 79-85 LOT 241
Legal Range	30E
Legal Township	26S
Legal Section	34
Legal Subdivision	ESPRIT
Legal Phase	2
Legal Tract	78
Legal Block	1
Legal Lot Number	241
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2012
Census Tract	43207

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	3704 MYSTIC PL, SAINT CLOUD, FL 34772-8260
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 22, 2023	Deed of Trust, Mortgage · Line of Credit SOUTH STATE BANK NA
Jan 7, 2020	Deed of Trust, Mortgage · Conventional with PMI CFBANK NA
May 2, 2017	Warranty Deed, Transfer · Conventional Mortgage PREMIER HOME FUNDING CORPORATION
May 9, 2017	Grant Deed, Transfer FIRST INT'L TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 9, 2017
Deed Sale	May 9, 2017
Prior Sale	May 2, 2017 · Amount on Record
Deed Document Number	2017067726
Deed Book / Page	5144 / 2208
Record Updated	Jun 8, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3704 MYSTIC PL, SAINT CLOUD, FL 34772-8260
Transaction Type	Mortgage
Record Updated	Apr 4, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3704 MYSTIC PL, SAINT CLOUD, FL 34772-8260

Mortgage

Document Number	0063740965
Date	Mar 22, 2023
Book Page	6374/965
Instrument	2023032389

Lender

Name	SOUTH STATE BANK NA
Type	Bank
Address	SAINT CLOUD, FL 34769

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Mar 20, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3704 MYSTIC PL, SAINT CLOUD, FL 34772-8260
Document Number	0056601904
Instrument Date	Jan 7, 2020
Transaction Type	Mortgage
Record Updated	Feb 13, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3704 MYSTIC PL ST CLOUD FL 347728260, ST CLOUD, FL 34772-8260

Mortgage

Document Number	0056601904
Date	Jan 21, 2020
Book Page	005660/001904
Instrument	9628

Lender

Name	CFBANK NA
Address	WORTHINGTON, OH 43085

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jan 20, 2050

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 2, 2017
Property Address	3704 MYSTIC PL, SAINT CLOUD, FL 34772-8260
Document Number	0051411122
Book / Page	5141 / 1122
Map Reference	MB20 PG79-85
Instrument Date	May 2, 2017
Instrument	2017064883
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	FIRST INTL TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,592.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3704 MYSTIC PL, 3704, SAINT CLOUD, FL 34772-8260

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1000 LAKE CHARLES DR, DAVENPORT, FL 33837-3623

Mortgage

Document Number	0051411124
Date	May 2, 2017
Book Page	5141/1124
Instrument	2017064884

Lender

Name	PREMIER HOME FUNDING CORPORATION
Address	LONGWOOD, FL 32750

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2047

May 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 9, 2017
Property Address	3704 MYSTIC PL, SAINT CLOUD, FL 34772-8260
Document Number	0051442208
Book / Page	005144 / 002208
Instrument Date	May 2, 2017
Instrument	67726
Transaction Type	Transfer
Record Updated	Nov 16, 2018
Title Company	FIRST INT'L TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3704 MYSTIC PL ST CLOUD FL 347728260, ST CLOUD, FL 34772-8260

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	$2,041.00 (+7.03%) Homeowner's exemption	$156,942 (+5.99%)	$337,500 (-0.09%) Land $75,000 Building $262,500
2023	$1,907.00 (+4.15%) Homeowner's exemption	$148,077 (+3%)	$337,800 (+15.96%) Land $60,000 Building $277,800
2022	$1,831.00 Homeowner's exemption	$143,765	$291,300 Land $55,000 Building $236,300

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 A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 66 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	66 in force
Nearby Flood Claims	2 (2017–2024)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Oct 2024 · Hurricane Milton

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	Moderate above 65% of the US · above 41% of Florida
Wildfire Likelihood	0.3% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 376 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20

May also be available: CenturyLink.

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