3717 Mystic Pl, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3717 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	0.176 acres (7,667 sqft)
Owner	Individual Name on File
Last Sale	$260,000 (May 2020)
Tax Bill	$5,694 (2025)
Deeds & Mortgages	Feb 2021 Mortgage May 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`156382`

Property Details

APN / Parcel Number

Primary APN	`156382`
Alternative APN	`342630007800013200`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,859 sqft Heated Area
Gross Area	2,487 sqft
1st Floor Area	1,859 sqft
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	7,667 sqft (0.176 acres)
Garage Type	Finished
Garage Area	438 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	190 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	156382
Street Address	3717 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 320
Legal Range	30E
Legal Township	26S
Legal Section	34
Legal Subdivision	ESPRIT
Legal Phase	2
Legal Tract	78
Legal Block	1
Legal Lot Number	320
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2027
Census Tract	43207

Owner

3717 Mystic Pl is owned and occupied by an individual who bought it in May 2020.

Source: Osceola County records, as of December 11, 2025

Owner of Record	Individual Name on File
Mailing Address	3717 MYSTIC PL, SAINT CLOUD, FL 34772-8261
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Feb 9, 2021	Deed of Trust, Mortgage · VA Mortgage BESTWAY MORTGAGE CORP
May 15, 2020	Deed of Trust, Mortgage · Conventional with PMI MORTGAGE FIRM
May 21, 2020	Warranty Deed, Transfer · VA Mortgage BESTWAY MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 21, 2020 · Amount on File
Deed Sale	May 21, 2020 · Amount on File
Prior Sale	Apr 28, 2016 · Amount on File
Deed Document Number	2020066714
Deed Book / Page	5725 / 1593
Record Updated	Jun 8, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3717 MYSTIC PL, SAINT CLOUD, FL 34772-8261
Transaction Type	Mortgage
Record Updated	Feb 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3717 MYSTIC PL, SAINT CLOUD, FL 34772-8261

Mortgage

Document Number	0058871812
Date	Feb 9, 2021
Book Page	5887/1812
Instrument	2021018617

Lender

Name	BESTWAY MORTGAGE CORP
Type	Mortgage Company
Address	WOLCOTT, CT 06716

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3717 MYSTIC PL, SAINT CLOUD, FL 34772-8261
Document Number	0057240894
Instrument Date	May 15, 2020
Transaction Type	Mortgage
Record Updated	Jul 21, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3717 MYSTIC PL ST CLOUD FL 347728261, ST CLOUD, FL 34772-8261

Mortgage

Document Number	0057240894
Date	May 19, 2020
Book Page	005724/000894
Instrument	65669

Lender

Name	MORTGAGE FIRM
Type	Mortgage Company
Address	ALTAMONTE SPRINGS, FL 32714

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	480 Months
Due	May 18, 2060

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 21, 2020
Property Address	3717 MYSTIC PL, SAINT CLOUD, FL 34772-8261
Document Number	0057251593
Book / Page	5725 / 1593
Map Reference	MB 20 PG 79-85
Instrument Date	May 15, 2020
Instrument	2020066714
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	CORE TITLE SERVICES LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,820.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6341 OAK SHORE DR, 6341, SAINT CLOUD, FL 34771-8642

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3717 MYSTIC PL, SAINT CLOUD, FL 34772-8261

Mortgage

Document Number	0057251595
Date	May 21, 2020
Instrument	5725/1595

Lender

Name	BESTWAY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 3717 Mystic Pl was $5,694.

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	$5,694.00	$331,200 Land $78,800 Building $252,400	$331,200 Land $78,800 Building $252,400
2023	$5,047.00 (+12.03%)	$329,900 (+16.08%) Land $63,000 Building $266,900	$329,900 (+16.08%) Land $63,000 Building $266,900
2022	$4,505.00	$284,200 Land $57,800 Building $226,400	$284,200 Land $57,800 Building $226,400

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 3717 Mystic Pl in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

Wildfire risk around 3717 Mystic Pl is moderate, ranking above 65% of the US, with a 0.3% annual chance of 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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