3715 Edsel Ave, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3715 Edsel Ave, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,052 sqft · built 2006
Lot Size	2.4 acres (104,805 sqft)
Owner	Individual Name on Record
Last Sale	$360,000 (Jul 2017)
Tax Bill	$712 (2025)
Deeds & Mortgages	Sep 2022 Mortgage Jul 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`88961`

Property Details

APN / Parcel Number

Primary APN	`88961`
Alternative APN	`362630509000010385`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,052 sqft Heated Area
Gross Area	2,880 sqft
1st Floor Area	2,052 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	104,805 sqft (2.4 acres)
Garage Type	Finished
Garage Area	575 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	392 sqft
Porch	Open Porch
Porch Area	253 sqft
Deck Area	588 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	88961
Street Address	3715 EDSEL AVE
City	SAINT CLOUD
State	FL
Zip	34772-8135
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OAR2
Legal Description	ST CLOUD MANOR EST UNIT 3 PB 1 PG 413 N 1/2 OF LOT 38
Legal Range	30E
Legal Township	26S
Legal Section	36
Legal Subdivision	ST CLOUD MANOR EST 3
Legal Tract	5090
Legal Block	1
Legal Lot Number	38
Legal Unit	3P
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1075
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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	3715 EDSEL AVE, SAINT CLOUD, FL 34772-8135
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 12, 2022	Deed of Trust, Mortgage · VA Mortgage NAVY FCU
Jul 7, 2017	Warranty Deed, Transfer · VA Mortgage NEW AMERICAN FUNDING

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 7, 2017 · Amount on Record
Deed Sale	Jul 7, 2017 · Amount on Record
Prior Sale	Sep 25, 2006 · Amount on Record
Deed Document Number	0005176794
Deed Book / Page	5176 / 794
Record Updated	Jun 8, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3715 EDSEL AVE, SAINT CLOUD, FL 34772-8135
Transaction Type	Mortgage
Record Updated	Sep 23, 2022
Title Company	NAVY FEDERAL TITLE SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3715 EDSEL AVE, SAINT CLOUD, FL 34772-8135

Mortgage

Document Number	0062841685
Date	Sep 12, 2022
Book Page	6284/1685
Instrument	2022138720

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2052

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 7, 2017
Property Address	3715 EDSEL AVE, SAINT CLOUD, FL 34772-8135
Document Number	0051760794
Book / Page	5176 / 0794
Map Reference	MB1 PG413
Instrument Date	Jul 7, 2017
Instrument	2017099433
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	A CLEAR CHOICE TITLE & ESCRO

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,520.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	22 LENOX DR NE, 22, CARTERSVILLE, GA 30121-6068

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3715 EDSEL AVE, SAINT CLOUD, FL 34772-8135

Mortgage

Document Number	0051760795
Date	Jul 7, 2017
Instrument	5176/0795

Lender

Name	NEW AMERICAN FUNDING
Type	Lending Institution

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$712.00 (+14.65%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$235,956 (+5.99%)	$522,000 (+4.03%) Land $121,500 Building $400,500
2023	$621.00 (+7.81%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$222,629 (+3%)	$501,800 (+18.29%) Land $120,300 Building $381,500
2022	$576.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$216,145	$424,200 Land $96,200 Building $328,000

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 59 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	59 in force
Nearby Flood Claims	1 (2017)
Most Recent Claim	Sep 2017 · Hurricane Irma

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 59% of the US · lower than 67% of Florida
Wildfire Likelihood	0.2% 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	TOHO WATER AUTHORITY-POINCIANA SYSTEM public/private · serves 69,447 people · EPA ID FL3494429
Water Source	Groundwater
Last State Inspection	Mar 2024
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 48 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

May also be available: CenturyLink.

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