3713 Mystic Pl, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3713 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	0.2 acres (8,712 sqft)
Owner	Individual Name on Record
Last Sale	$425,000 (Jul 2022)
Tax Bill	$5,137 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Jul 2022 Sale & Mortgage + 2 more
Flood Zone	Zone A (high risk)
APN	`34-26-30-0078-0001-3220`

Property Details

APN / Parcel Number

Primary APN	`34-26-30-0078-0001-3220`
Alternative APNs	`263034007800013220` `156384`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,859 sqft Living Area
Gross Area	2,487 sqft
1st Floor Area	1,859 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2012
Architectural Style	Conventional
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Attached
Garage Area	438 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	190 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3713 MYSTIC PL
City	SAINT CLOUD
State	FL
Zip	34772-8261
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SPUD
Legal Description	ESPRIT PHASE 2 PB 20 PG 79-85 LOT 322
Legal Range	30E
Legal Township	26S
Legal Section	34
Legal Subdivision	ESPRIT PH 2
Legal Phase	2
Legal Tract	78
Legal Block	3220
Legal Lot Number	322
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2027
Census Tract	43207

Owner

Source: Osceola County records, as of April 16, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	3713 MYSTIC PL, SAINT CLOUD, FL 34772-8261
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 6, 2026	Deed of Trust, Mortgage · FHA Mortgage SERVICELINK
Jul 29, 2022	Warranty Deed, Transfer · FHA Mortgage THE FEDERAL SAVINGS BANK
Oct 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC
May 2, 2018	Warranty Deed, Transfer · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 29, 2022 · Amount on Record
Deed Sale	Jul 29, 2022 · Amount on Record
Prior Sale	May 2, 2018 · Amount on Record
Deed Document Number	2022117141
Deed Book / Page	6260 / 2048
Last Transfer Date	Jun 12, 2024
Transfer Doc	0066151541
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Recording Date	Apr 6, 2026
Property Address	3713 MYSTIC PL, SAINT CLOUD, FL 34772-8261
Document Number	0000045938
Book / Page	6951 / 640
Instrument Date	Mar 9, 2026
Instrument	202645938
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3713 MYSTIC PL, SAINT CLOUD, FL 34772-8261

Mortgage

Document Number	0000045938,
Date	Apr 6, 2026
Book Page	6951/640
Instrument	202645938

Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	479 Months
Due	Mar 1, 2066

Interest

Rate	6.11%
Max Rate	-1%

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 29, 2022
Property Address	3713 MYSTIC PL, SAINT CLOUD, FL 34772-8261
Document Number	0062602048
Book / Page	6260 / 2048
Map Reference	MB 20 PG 79-85
Instrument Date	Jul 6, 2022
Instrument	2022117141
Transaction Type	Transfer
Record Updated	Aug 11, 2022
Title Company	FIRST INTERNATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,975.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5339 BEAR CORN RUN, 5339, PORT ORANGE, FL 32128-7559

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3713 MYSTIC PL, SAINT CLOUD, FL 34772-8261

Mortgage

Document Number	0062602050
Date	Jul 29, 2022
Instrument	6260/2050

Lender

Name	THE FEDERAL SAVINGS BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3713 MYSTIC PL, SAINT CLOUD, FL 34772-8261
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3713 MYSTIC PL, SAINT CLOUD, FL 34772-8261

Mortgage

Document Number	0058122034
Date	Oct 14, 2020
Book Page	5812/2034
Instrument	2020139018

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC
Type	Mortgage Company
Address	VIRGINIA BEACH, VA 23452

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Nov 1, 2035

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 2, 2018
Property Address	3713 MYSTIC PL, SAINT CLOUD, FL 34772-8261
Document Number	0053270534
Book / Page	5327 / 0534
Map Reference	MB20 PG79-85
Instrument Date	Apr 27, 2018
Instrument	2018070245
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	STEWART TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,750.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3525 GREEN ACRES RD, 3525, SAINT CLOUD, FL 34772-7200

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3713 MYSTIC PL, SAINT CLOUD, FL 34772-8261

Mortgage

Document Number	2018070246
Date	May 2, 2018
Instrument	2018070246

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2048

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 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	$5,137.00 (+3.17%)	$329,900 (+0.43%) Land $78,800 Building $251,100	$329,900 (+0.43%) Land $78,800 Building $251,100
2024	$4,979.00 (-15.9%)
2023	$5,920.00 (+87.16%)	$328,500 (+50.58%) Land $63,000 Building $265,500	$328,500 (+16.04%) Land $63,000 Building $265,500
2022	$3,163.00 Homeowner's exemption Disabled Person's exemption	$218,154	$283,100 Land $57,800 Building $225,300

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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